Elephant Insurance

Why choose Elephant Insurance?

  • They’re transparent with customers and develop tools around their needs.
  • Elephant offers discounts where it makes sense — and when their customers deserve them.
  • With 24/7 online policy access and digital support, Elephant aims to be as accessible as possible

Did you know...?

  • Elephant Insurance’s Diminishing Deductible feature enables customers to earn $50-$100 off their collision deductible each year they go without getting into an accident.
  • Customers can save up to 20% for multi-vehicle, paperless bills just by getting a quote online.
  • Elephant is part of Admiral Group plc, one of the largest insurers in the U.K. with a presence in eight countries.
  • Customer Service: 877-218-7865
  • Claims: 866-535-8768
  • Roadside Assistance: 877-321-9910

What is Elephant Auto Insurance?

Elephant is a little different than other auto insurance companies. They make insurance affordable and strive to empower their customers to make choices with confidence. This means removing complications and providing guidance, so customers understand their options. But it also means developing tools and technology around customer needs. With flexible payment options, easy online account access, and a supportive team of insurance experts, Elephant is committed to helping their customers feel in control of their coverages.

Policyholders can benefit from a range of customer-centric coverage options. For example, their Coverage Counselor tool helps customers better understand their choices. And their simple, straightforward Guided Quote process evolves around customer feedback. With policies available in eight states — GA, IL, IN, OH, MD, TN, TX, and VA — they’re working to grow their footprint. Plus, Elephant is accredited by the Better Business Bureau with an A+ rating.

Elephant Insurance is big enough to matter but small enough to care. Headquartered in Richmond, Virginia, they have been voted a Richmond Times-Dispatch Top Workplace for 8 years.

Founded in 2009, Elephant is part of Admiral Group plc, a FTSE 100 company and one of the largest insurers in the UK. With more than 20 years of experience in the auto insurance industry, Admiral boasts 11 brands and more than 6 million customers worldwide.

How Does Elephant Auto Insurance Work?

Elephant Auto Insurance Payments

Elephant makes the process of paying your premiums as simple as possible. Customers can make payments online with the click of a button, and Elephant allows payment options to be edited online, so there is no need to make a phone call or go to a physical office to make or change payments. Simply log in your account and take care of your auto insurance payment with ease. 

Elephant Auto Insurance Rate Increases

Sometimes, you, unfortunately, experience an auto insurance rate increase. Elephant auto insurance premium increases can occur if you submit claims or have an at-fault accident while your policy is active because these things can make you riskier to insure. 

The good news is when you submit a claim for an accident, your rate will not go up during the 12-month period that your policy is in effect. Instead, your rate could increase when your policy renews. 

The team at Elephant will review your claims history and accident history, as well as the extent of the damages for which you were responsible when determining your new insurance rate when your policy is up for renewal. If you’ve had numerous claims or an at-fault accident, you can expect a premium increase, especially if the damages were costly. 

On the other hand, maintaining a safe, accident-free driving record helps you to avoid insurance rate increases, and you may even see your rates go down with good driving. 

Elephant Auto Insurance Claims

If you need to submit a claim, Elephant makes the process quick and simple. Customers have the option of logging on and submitting a claim online or calling a customer service representative at 844-937-5353. When you call customer service to file a claim, you can expect the representative to gather information from you about the nature of the claim, which should result in a 15-20 minute phone call. 

After you file a claim with Elephant, a claims specialist who is best suited to handle your specific claim will investigate the incident. They will gather information about the incident, speak to those involved, and obtain a police report, if applicable, to ensure they have the correct information. The claims specialist from Elephant will also review your insurance coverage to determine what damages will be covered. 

Someone from Elephant will keep you updated as your claim is being processed. Simple claims can typically be processed within a few days, but every situation is different, and more complicated claims will understandably take longer to process.

Elephant Auto Insurance Discounts

These days, everyone needs to save money. This is why Elephant offers a number of car insurance discounts, including:

Multi-Car Discount

 

Helps you save on your monthly premium when you insure more than one vehicle under one policy.
Safe Car Discount Receive discounts if your car has safety features like hands-free calling.
Responsible Driver Discount If you haven’t had an accident in a while, this option could save you even more.
Multi-Policy (Bundled) Discount Add property insurance, and you’ll receive an additional discount on your auto policy.
Good Student Discount If you’re in school or have someone on your plan who is, good grades could mean lower premiums.
Online Quote Discount Get rewarded by simply setting up your insurance plan online.
Electronic Signature Discount Why sign in person when you can sign online and save money?
Paperless Account Discount Select paperless billing, and you’ll be rewarded for saving trees.
Pay in Full Discount Save money when you pay your total yearly premium in one lump sum.

The above discounts are what you can expect from Elephant Auto Insurance. If you’re an Elephant customer, it’s never a bad idea to call your agent or contact the company to determine if there are any discounts for which you are eligible but not receiving. Sometimes, you may have to ask in order to receive discounts. When you renew your Elephant insurance at the end of the year, it’s important to have a conversation about discounts and see if there are any new ones for which you qualify. 

Elephant Auto Insurance Coverage Options

If you’re looking to buy Elephant auto insurance, you have several coverage options available to you:

  • Liability Insurance: If you choose liability insurance through Elephant, it will cover damage to other people’s property, as well as injury to others, in case of an accident. It won’t provide any compensation to you in the case of an accident, but it protects you financially if you cause damage or injury that impacts other people. Liability is the minimum amount of coverage that is typically required by most state laws. 
  • Comp & Collision: Comprehensive coverage protects you if you suffer loss or damage to your vehicle that isn’t caused by an accident. For example, if your vehicle is stolen or vandalized, comprehension coverage backs you up financially. Furthermore, comprehensive coverage protects you from incidents such as a tree falling on your vehicle and damaging it. Elephant allows you to choose comprehensive coverage options that range from no deductible all the way to a $1,000 deductible. Collision insurance, on the other hand, protects damage to your vehicle if you are involved in an accident. Elephant offers collision coverage with deductibles as low as $50.
  • Uninsured/Underinsured: This type of coverage protects you if you’re involved in an accident in which another party is at fault, and they do not have enough liability coverage to cover damages to your vehicle, or they do not carry insurance at all. 
  • MedPay and PIP: Regardless of who is at fault in an accident. MedPay and Personal Injury Protection (PIP) insurance through Elephant will cover medical bills that you and your passengers receive after being treated for injuries related to an accident. PIP will offer compensation for lost wages or the inability to perform household tasks. 


Beyond these broad categories of auto insurance, Elephant offers additional coverage options that you may want to consider. For instance, Elephant offers lease/loan protection, which will pay the difference between the value of your car if it’s totaled, and the amount you owe on any loans.

Some additional coverages are as follows:

  • Rental Reimbursement: This coverage option will help you to pay for a rental vehicle if your car is damaged and undrivable. 
  • Non-owner Insurance: This type of coverage is offered to people who regularly drive a car that they don’t actually own. 
  • Legal Coverage: For just $6 a month, Elephant auto insurance customers can add legal coverage, which provides assistance with legal fees related to one minor traffic incident per year. This coverage option also provides customers with a 25 percent discount on other legal services they may need. 

Where is Elephant Auto Insurance Available?

Elephant currently offers car insurance in eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.

Elephant Auto Insurance Customer Reviews

Review Platform Rating
WalletHub 4.2/5 – 2,570 reviews
BBB A+
Glassdoor 3.1/5
Clearsurance 3.1/5 – 141 reviews

With an A+ rating from the Better Business Bureau, Elephant Insurance scores at the very top, right beside other much larger and more well-known carriers such as Allstate, Progressive, and GEICO. WalletHub also gives high marks to Elephant, with a 4.2/5 score among its 2,570 customer reviews.

Employees also give Elephant above-average ratings, boasting a 3.1 out of 5 on Glassdoor and an 81% approval rating for its CEO, Alberto Schiavon. Many employees praise Elephant’s fun, casual environment and open communications policy.

Clearsurance – a top site for insurance-related user reviews – gives Elephant an above-average 3.1/5 rating, with 141 customer reviews.

Because Elephant Insurance is smaller than many other car insurance providers, they may not have the same number of reviews as some of the larger companies. But overall, their reviews are largely positive, especially for their quick quotes process, low rates, and easy-to-navigate website. 

Most negative reviews and customer complaints surround hassles when submitting claims. For instance, some customers complain about Elephant denying their claims and refusing to pay, and others report not receiving return phone calls from a representative. While there are some negative reviews of the company, it is important to remember that there are also plenty of positive reviews of Elephant auto insurance. 

Pros and Cons of Elephant Auto Insurance

Pros of Elephant

Now that you have an idea of how much you’d pay with Elephant and how much you can save, it’s time to ask the important question, “Is Elephant right for me?”

If Elephant seems like it may be a good fit for you, there are multiple advantages associated with this insurance company. 

Discount Options

Consider, for example, the fact that Elephant offers multiple discounts for safe drivers, which means it can be an affordable option for the right customer. 

Accident Forgiveness

In addition, Elephant offers an accident forgiveness program, which means if you’re accident free for three years then have one, it won’t increase your insurance premium. Customers also have the option of paying a fee for accident forgiveness, so it applies immediately instead of being eligible only after three years of being accident-free. 

Enhancement Coverage

For those who put a lot of time and work into their cars, Elephant also automatically offers $1,000 in coverage for enhancements, including window tinting and custom paint jobs. For Elephant customers with collision and comprehensive insurance, additional enhancement coverage can be purchased for a fee. Elephant customers also enjoy discounts on certain mechanic services, such as battery replacements and oil changes. 

Reasons Elephant Insurance Might be a Good Fit

  • You have a great driving record and want to be rewarded with lower monthly premiums.
  • You or someone on your policy is a student with great grades.
  • You’re insuring many cars and would like a discount for insuring them all with one policy.
  • You’re looking for an all-in-one insurance company that can provide you with home, life, rental or other insurance policies on top of your auto insurance.
  • You want a substantial discount by paying your total yearly premium in one lump sum.

If you don’t fit any of these categories and are looking for a car insurance policy that is better suited to your individual wants and needs, compare quotes from more than 60 of the country’s top providers by simply entering your ZIP code!

Cons of Elephant

Elephant can be a great insurance company if you have a clean driving record and can take advantage of Elephant’s low rates and insurance discounts. However, there are some cons associated with this company.

Limited Availability

Perhaps the biggest drawback with Elephant auto insurance is the fact that not everyone can take advantage of the low rates and discounts that this company offers. This is because Elephant only offers insurance in certain states. If you’re outside of their coverage area, you will not be able to use Elephant auto insurance. 

Complaints

Another drawback of Elephant insurance to consider is that while many of their reviews are positive, they do have more complaints to state regulators when compared to other small insurance companies. This means that negative experiences with Elephant may be especially severe when compared to what people experience with similar companies. 

FAQs About Elephant Auto Insurance

Can I add or remove coverage in the middle of my policy? 

Yes! Just log into your online account at any time to add or remove vehicles or drivers, change your address, pay your monthly premium, change your coverage, and more. Some changes, like adding an additional car, will affect your rate and your premium.

How do I file a claim with Elephant? 

If you need to file a claim with Elephant, there are two easy ways to do it. You can either call them at 844-937-5353 or file online 24/7 using their dedicated online form.

Will filing a claim affect my premium? 

Not immediately. In fact, your rate will not increase due to any claims filed during the 12-month period that your policy is enforced. When your policy is up for renewal, Elephant will assess your current rating factors and will let you know what your new rate will be before your renewal date.

Does Elephant offer SR-22 insurance? 

Yes. Meaning if you’re found guilty of certain traffic offenses, such as a DUI or multiple traffic violations, you may have to file an SR-22 form to either maintain or reinstate your driving privileges. Based on the severity of your offenses, you will probably see an increase in your monthly premium.

Can I get roadside assistance from Elephant? 

Absolutely. Elephant makes it easy to protect yourself when you have a breakdown, flat tire or another unforeseen incident with your car. Towing, battery jumps, flat tire replacement, emergency fuel delivery, and lock-out services are all covered with Elephant’s Roadside Assistance Coverage.

Does Elephant insurance have a mobile app? 

Yes, but only for customers with an Android-enabled device. You can find the free Elephant Insurance app in the Google Play store.

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