Elephant Auto Insurance: A complete Guide and FAQs

Elephant Auto Insurance

As a subsidiary of Admiral Group Plc, Elephant Insurance was established in 2009 as one of the foremost insurers in the United Kingdom. Today, it can boast of its service operation in eight (8) States in the U.S.

Being customer-service-oriented, Elephant insurance policies are sold directly to consumers.

Other insurance services provided by Elephant include homeowners’ and renters’ insurance. This is to help further protect your home.

Elephants are also partners with other third-party providers to sell other lines of insurance. You can enjoy a bundling discount only when you combine Elephant insurance with the insurance from any of the partners.

Good for

  • Affordable rates
  • Pet owners
  • Safe drivers who want to protect their good rates in the event of an accident

Bad for

  • Customer service
  • Shoppers outside the eight states Elephant covers

Elephant Insurance: Our Thoughts

The attractive rates that come with Elephant Insurance made them see-off competition from other main national insurers. Elephant insurance services are spread across eight (8) states.

A review conducted shows that Elephant car insurance quotes were 14% inexpensive than average. Though, you can shop for other quotes within the following states the services covered: Maryland, Ohio, Georgia, Texas, Virginia, Indiana, Tennessee, Illinois.

The most notable offers Elephant customers are enjoying are collision and comprehensive coverages in addition to standard offering of liability.

Drivers who wish to protect their low rates are at liberty to use this medium to benefit from accident forgiveness and declining deductibles.

There is a traceable record of poor customer service with a high level of complaints received looking at its existence over a decade. Therefore, be mindful of the choice of policy you are buying to avoid being wasteful.

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Elephant Auto Insurance Quote Comparisons

Our records reveal that Elephant car insurance quotes in a month are put at 14% cheaper than the average of other insurance service providers. This could bring great savings with a high level of competition but with a better rate to serve them more.

You can always get a comparative quote with other auto insurers to be able to make the best policy choice.

Elephant Insurance Discounts

Multi-car and multi-policy are some of the additional discounts put together by Elephant insurance. Other salient discounts offer that is uncommon from many other insurers include a work-from-home discount and a referral discount.

Read also: Collision insurance and what it covers: Full Guide and Review

Elephant’s Discounts include:

  • Multi-policy: This is where multiple cars are insured using the same policy.
  • Responsible driver: Absence of accident for a long period of time.
  • Pay in full: Your entire premium is purchased up front.
  • Referral: when you refer others or being referred.
  • Work from home: Discount on working from home.
  • Homeowner: possessing a home.
  • Early bird: when your policy is purchased early.
  • E-signature: use of via e-signature in signing your policy.
  • Online quote: Obtaining quote via online.
  • Multi-policy: Using multiple policies.
  • Good student: having better scores.
  • Paperless account: Chosen paperless payment.

Seek further to know the workability of these discounts when you get a quote from Elephant. It is the policy of the company that, policyholders can save over 40% off on their premium.

Elephant Auto Insurance Coverages

Elephant insurance offers uncommon coverages to drivers. As a tender insurer, Elephant display some exceptional attributes in terms of pet injury protection as well as its diminishing deductible add-on. With this gesture, drivers are favored when they reduce their collision deductible to $0 with safe driving.

Diminishing Deductible

Diminishing deductible with Elephant allows drivers with safe driving (accident-free) records to be able to achieve a high premium. For instance, when you have a payment of $60 in a year, there is a great chance of achieving ($30 for a six-month policy).

With this, your collision deductible will go down by $100 ($50 for a six-month policy). This also has a multiplier effect to the maximum of $500 in case the driver maintains the record of accident-free.

The good thing with Elephant insurance is that your deductible can’t be reset to its original amount. The company can only tire down your account for a period of one policy term after which your account will be untired to continue running to reduce it by avoiding accidents.

Roadside Assistance

This insurance offer is to help rescue drivers urgently in emergencies. This is where users can call Elephant roadside assistance numbers and get connected via a local service provider with real-time updates and a pointer towards the user’s direction.

The following are the roadside emergency helps that is provided:

  • Towing
  • Flat tire replacement
  • Battery jump
  • Lockout services
  • Fuel delivery

Pet Injury Coverage

With Elephant insurance, collision coverage includes an automatic $1,000 protection on a pet injury in case you often travel with your pet. While this choice inclusion is indeed a great one, other insurers compelled customers to put in additional fees to protect the pet.

Enjoy Elephant insurances that cover pet injury provided the pet is a dog or cat and is inside the car during the covered accident.

You may also like: Nationwide Gap Insurance: Complete Guide and Review

Accident Forgiveness: Standard and Upgraded

Drivers can earn accident forgiveness only if they managed to enjoy accident-free driving for over three (3) years. If happened that, an accident occurs after three (3) years, your premium is maintained and you won’t be surcharged. 

As a careful driver with a clean record of accident-free, be assured that your accident forgiveness can be upgraded in case you choose to protect your current rate.

Your Mechanic

Customers who patronize Elephant insurance can enjoy one of the Elephant offers known as YourMechanic. YourMechanic allows a customer to book a repair service either at home or at the office at a considerable price thereby reducing the stress of taking your vehicle to a service centre. Note that YourMechanic service covers a 12,000-mile warranty.

Legal Resources Plan

As a policyholder with an intent to make $6 monthly, note that you are entitled to receive in the end a full coverage of attorney fee for insignificant traffic violation every year including a 25% discount off other attorney services like family law and real estate transactions.

Other add-on coverages from Elephant Insurance

Despite the offers of standard coverage received from some of the major auto insurers, Elephant insurance services provide some add-on coverages to enable your cars to be well protected on the road:

  • Loan/lease: 25% of the real cash value of the cost of your car, if involved in an accident or is stolen and you are still owing, then it will be used to cover that.
  • Rental reimbursement: The cost of a rental car is covered while your own car receives a full covered repairs.
  • Non-owner car insurance: This covers liability claims on those who often drive cars they don’t own.
  • Custom parts and equipment: This has to do with enhancements cover on your car, such as custom rims, tires or a wheelchair lift.
Elephant Auto Insurance for cars and homes

Is Elephant a good car insurance company?

You can consider other insurance companies as an option if only strong customer service is of top importance for you. For Elephant’s auto insurance division receives about 62% more complaints than expected for an insurer of its size.

At Elephant, you can experience a combination of a mobile app. You can be able to access your policy and make changes on your insurance card using this auto insurance mobile app while also reaching out to Elephant for assistance during an emergency.

It is sad to note that, Elephant mobile app is limited in its features whereas other insurers could boast of more advanced mobile apps that could avail you the opportunity to file claims and make submission of photos.

It is worth knowing that, Elephant insurance users with iPhones tend to enjoy the services of this mobile app than Android users.

This app comes with a telematics feature that drivers can take advantage of by sharing their driving data with Elephant while in turn may receive an auto insurance discount when their location service is turned on.

Rating systemMaximum pointsElephant rating
NAIC Complaint Index1.0 (average rating)1.62
Apple App Store rating5.04.5
Google Play rating5.03.6

However, there are setbacks while using telematics which is why you can decide to take advantage of other insurers with high tech in telematics features hence Elephant telematics features are limited and can’t serve users better. 

Insurance from Elephant partners are:

  • Condo insurance, the use of Homesite
  • Motorcycle insurance, using Dairyland
  • Life insurance, using LifeDirect
  • Umbrella insurance, using RLI
  • Renter’s insurance
  • Motorcycle insurance

Frequently Asked Questions

What states does Elephant Insurance covers?

Eight states in the US can have access to Elephant auto insurance policies which include: Texas, Maryland, Virginia, Ohio, Indiana, Georgia, Tennessee, and Illinois.

Where is Elephant Insurance Located:

The headquarter of Elephant Insurance is Henrico-Virginia.

Who is Elephant Insurance Owned by?

Admiral Group Plc is the main insurer of Elephant insurance in the United Kingdom. This came into being in 1993 in the United Kingdom.


The online quotes and valuable discounts offered by Elephant are great though, it has persistently received more complaints from customers looking at its size.

Drivers with personalized attention and assistance may prefer another insurance company with a durable reputation for customer service and insurance agents with an opportunity to meet in person with offers that convenient online quotes and valuable discounts.


Unbiased and comprehensive reviews on cars insurance providers are provided to customers by Investopedia. Keenly, each insurance provider’s coverage options, available discounts, customer services, and satisfaction ratings are reviewed to ensure that our content helps users make the right insurance decision for their needs.

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