Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 24, 2020

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Relatively new to the US, Elephant Auto Insurance is a tech-savvy, online-based company that offers competitive rates.

They have a focus on the millennial generation, though they offer cheap coverage for all types of drivers. 

A subsidiary of one of the UK’s leading insurers, Elephant claims to have the backing of a large company while still being small enough to care about each customer.

Despite this, they have very mixed reviews and complaints online compared to other companies.

Elephant quotes compared to Farmers, Progressive, Travelers, and State Farm for 25 y/o male driver.Note: Illustrated above are quotes from top carriers for a 25 year old driver with full coverage. Progressive ($1,754) and State Farm ($1,852) both offered quotes cheaper than Elephant at $1,920. While Travelers and Farmers are more expensive with quotes at $2,123 and $2,022 respectfully.

History of Elephant Insurance Company

Virginia-based and founded in 2009, Elephant auto insurance is a subsidiary of Admiral Group PLC, one of the largest insurance companies in the UK.

Admiral Group is an FTSE (Financial Times Stock Exchange) 100 company that insures in eight different countries and has 6 million clients.

Coverage in Six States

Despite Admiral’s global reach and size, Elephant only insures drivers in six states in the US: Texas, Tennessee, Virginia, Maryland, Illinois, and Indiana.

Below is a table showing all states where they offer coverage.

In all but two, they offer lower than average premiums.

Their rates hikes are nominal if you keep you a good driving history.

Overall, they are extremely competitive across the board in each of the six states they offer coverage. 

StatePercentage Rate Hike 2017State Average QuoteElephant QuoteDifference
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Tech Savvy Company with Room for Growth

As an online company, Elephant’s website is great.

Everything from getting a quote to filing a claim is easily done online.

They even have YouTube videos and Infographics which explain policies and options.

This can be a major selling point if you’re looking for a company that has ease of use in mind and you don’t want to have to deal with claim agents over long phone calls.

Elephant still provides services beyond their website for those who prefer a more personal touch.

Their model is to cut out the middleman, or agent, and sell directly to the consumer.

Elephant auto insurance quotes compared by price against Progressive, Farmers, Travelers, and State Farm for 25 y/o female driver. Note: Illustrated above, Elephant is able to offer quotes at $1,610 per year for a 25 year old female driver with full coverage. Which is cheaper than Farmers and Travelers which are over $100 more expensive. While State Farm and Progressive offer lower quotes at $1,465 and $1,522 respectfully.

You can read more about their business model here

Their staff members are still reachable by phone if you prefer to handle claims or issues that way.

Comparison of Competitive Premiums

As a direct insurer, Elephant car insurance does not hire independent agents to sell their coverage or handle claims.

They claim this lowers their operating costs, allowing them to pass savings on to their customers.

Drivers, in some instances, can pass on an independent agent and save money with a lot insurers. Agents make most of their money from renewals. So, it is in their best interest to sell you more coverage. 

Former Agent

The company also states on their website that the average person saves $594 per year when they switch to Elephant and their rates are 40% lower than their competitors.

Using their home state of Virginia as a sample, I received a quote for a 2016 Honda Civic with male driver age 25 at $85 per month for the minimum coverage required by the state.

The average cost of coverage in Virginia (Richmond, specifically) is actually $82 per month so, despite their claims of savings, their quote to me was actually just above average.

Driver ProfileElephantProgressiveLiberty MutualFarmersTravelersState Farm
25 y/o female$1,610$1,522$1,631$1,680$1,732$1,465
25 y/o male$1,920$1,754$1,943$2,022$2,123$1,852
30 y/o female$1,365$1,273$1,311$1,420$1,489$1,347
30 y/o male$1,508$1,455$1,499$1,632$1,663$1,521
25 y/o male (1 driving violation)$2,387$2,222$2,342$2,507$2,421$2,352
30 y/o female (1 driving violation)$1,827$1,743$1,877$1,832$1,953$1,743
40 y/o male$955$892$943$970$988$911
40 y/o female$830$742$865$870$899$823
55 y/o male$766$698$755$780$800$745
55 y/o female$698$612$643$700$712$687
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Keep in mind, this is only one example that I ran for minimum coverage.

The other samples are for full coverage. 

Other review sites have found similar findings with Elephant’s pricing as well.

Your actual savings will vary depending on where you live and what you drive.

Assortment of Discounts

My quote from their website included 5 discounts.

Elephant’s full list of discounts is actually fairly short, not helping them stand out from competitors.

You can get check out their list of discounts here. 

They include home and auto bundling, multi-car, good driver and good student, online quote, electronic signature, paperless, and payment in full discounts.

Elephant quotes compared by price for 30 y/o male driver. Note: In this example, Elephant offers low quotes for a 30 year old male driver with full coverage at $1,508 per year. Which is less expensive than State Farm and Travelers offering quotes at $1,521 and $1,663. While Progressive and Liberty Mutual offer cheaper quotes at $1,455 and $1,499 respectfully.

Diminishing Deductible

One special pricing feature is the “Diminishing Deductible”.

If you have Elephant’s comprehensive and collision insurance, this program allows you to reduce your deductible by $100 each year, as long as your deductible remains at least $500 per vehicle you have insured.

Depending on your policy, this could be one way Elephant saves you more money than competitors.

Quotes compared by price for 30 y/o female driver from Liberty Mutual, Progressive, Elephant, Travelers, and State Farm. Note: For a 30 year old female driver, Elephant wasn’t nearly as competitive offering quotes at $1,365 per year for full coverage. It is cheaper than Travelers at $1,489. While more expensive than Progressive, Liberty Mutual, and State Farm. Each offering quotes at $1,273, $1,311, and $1,347 respectfully compared to $1,365.

Additional Coverage Offered

While coverage options are fairly standard, they do have a few perks that make them stand out such as roadside assistance, accident forgiveness, and others.

Accident Forgiveness

Elephant provides accident forgiveness for every policy, which means they won’t raise your deductible after only one accident.

Accident forgiveness also applies to the diminishing deductible program.

One accident will not disqualify you from being able to lower your deductible by $100 each year as long as you don’t get in more than one accident.

There have been stories to the contrary, however.

A few online customer complaints have stated their rates have in fact risen after one accident.

So, its best to make sure to read the fine print and clarify what the requirements are for accident forgiveness if you decide to insure with them.

Elephant quotes compared for 40 y/o male driver against Liberty Mutual, Farmers, Travelers, and State Farm. Note: For a 40 year old driver, Elephant is extremely competitive offering quotes at $955 per year for full coverage. Which is cheaper than Farmers at $970 and Travelers offering quotes at $988. They are more expensive than State Farm or Liberty Mutual. Both companies offer lower quotes at $911 and $943 respectfully.

Underwater Automobile Loans

Lastly, Elephant provides protection for cars that are considered “underwater”.

These are cars whose value is less than what the customer owes in loan payments.

This can happen when you get in an accident that lowers the value of your car but you are still making full payments to the bank.

It was hard to find specific details on the protection offered but it’s a nice addition offered by Elephant.

Elephant's quotes compared by price for 40 y/o female driver against Liberty Mutual, Farmers, Travelers, and Progressive. Note: In this instance, Elephant can offer quotes at $830 per year with full coverage for a 40 year old female driver. Which is cheaper than all carriers, except Progressive, which offered low quotes at $742. Liberty Mutual, Farmers, and Travelers all offered slightly higher quotes.

Official Reviews

They are accredited by the Better Business Bureau in 2015 with an A+ rating.

On the flip side, the BBB also lists a fairly long list of customer complaints.

This is significantly more than most other auto insurance companies.

The BBB also gave them a customer review rating of 3 stars out of 5.

Elephant car insurance quotes compared against Farmers, Travelers, and Liberty Mutual for 55 y/o female driver.Note: A 55 year old female driver can find quotes clustering from $612 to $712 per year. Elephant offers quotes at $698 which is cheaper than Farmer or Travelers offering quotes at $700 and $712 respectfully. And more expensive than Progressive and Liberty Mutual. Which offers quotes at $612 and $643 per year for full coverage.

Customer Complaints

As of October of 2018, there were 184 complaints from customers to the BBB.

Below is a snapshot of Admiral Group PLC, the parent company, AM Best’s rating.

While other rating data is for Elephant. 

AM Best (Admiral Group)A+
JD Power & AssociatesN/A
Better Business BureauA+
Complaint Index.65 (Average)
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Many of these were predominantly focused on billing/collections and problems with products and services.

Issues with both of these categories can be a red flag.

Elephant appears to keep up fairly well with these reviews, though, and most of them have been closed.

Wallet Hub and other review sites, however, had many positive reviews focusing both on the ease of getting coverage and good service when it comes to filing a claim and getting a fair settlement.

With such mixed reviews it’s difficult to assess their quality of service.

But, with the significant amount of complaints by customers to the BBB and it’s relatively recent accreditation, you should tread carefully.

Final Verdict

While Elephant likes to pride themselves on being backed by a global insurer, as their own company they are relatively new and only offer coverage in six states.

On the plus side, since they are a newer company, they are very tech savvy and can operate with their customers entirely online.

Their rates, while not the most amazing, are still competitive with other companies and they offer a couple of special programs that might make them a better fit for you than other insurers.

Despite the mixed customer reviews, it would certainly be worth it for you to put Elephant auto insurance on your bucket list to get quotes. 



Elephant Car Insurance Website


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