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Jerry Data & Research
Elephant Auto Car Insurance Review(Apr 2024)
Elephant Auto Car Insurance Review
(Apr 2024)
In a study of real insurance policyholders’ experiences, the Jerry research team ranked Elephant Auto 10th overall compared to companies of a similar size.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Comprehensive Elephant Auto Car Insurance Review
- So, is Elephant Auto a good insurance company?
- Elephant Auto car insurance reviews
- Elephant Auto pros and cons
- Is Elephant Auto the right insurance company for you?
- Is Elephant Auto car insurance expensive?
- Will Elephant Auto raise your rates?
- Does Elephant Auto resolve claims fast?
- Does Elephant Auto have good customer service?
- Elephant Auto car insurance discounts
- Elephant Auto coverage options
- Elephant Auto’s additional tools and services
- FAQs
- Read all Elephant Auto Car Insurance Reviews
- Methodology
- Meet Our Experts
Load full table of contents
Comprehensive Elephant Auto Car Insurance Review
Elephant is popular among non-standard drivers with violations on record. It is a subsidiary of Admiral Group Plc, which is based in the United Kingdom. Insurance coverage is available in eight states and the company earns average ratings for satisfaction, according to Jerry’s 2023 survey.
We found that Elephant ranked 10th when compared to companies of a similar size. It sits in the middle of the group for satisfaction but it ranked highly for the renewal process.
Take a look at this breakdown showing how our verified Elephant policyholders rated the company:
4.5
55 Reviews
5 Stars
65.45%
4 Stars
18.18%
3 Stars
12.73%
2 Stars
3.64%
1 Star
0%
Our team at
Jerry
conducted a thorough study on car insurance, with information from 18,000 policyholders across all 50 states over 18 months. We asked drivers about their feelings toward their insurance companies, including their thoughts on claims processing, policy expenses, overall contentment, renewals, and more.So, is Elephant Auto a good insurance company?
Yes, the majority of Elephant customers ranked the company highly overall.
With an overall satisfaction rating of 4.4/5, Elephant seems to be delivering results to its policyholders. In the customer reviews we received, 83% were positive and 8% were negative—and 60% of customers renewed their policies.
Note that Elephant car insurance coverage is only available to drivers in Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.
The good: Elephant offers great customer service and easy renewals. Customers also appreciate:
- Variety of insurance products (not just cars)
- Unique legal coverage benefit
- Great free perks
The other side: With low rankings for cost satisfaction and more complaints than the average insurance company (according to the NAIC, or National Association of Insurance Commissioners), Elephant may not be the right fit for every driver.
Elephant’s parent company Admiral Insurance Group has an A+ rating from the Better Business Bureau (BBB).
We asked our survey recipients to rate this insurance provider on affordability, claims handling, customer service, and renewal. Take a look at how Elephant's ratings stacked up against the national average:
| Criteria | Elephant Auto Insurance's Rating | Industry Average |
|---|---|---|
Overall | 4.4 | 4.1 |
Cost / Price | 4.3 | 3.8 |
Claim Experience | 3.5 | 3.5 |
Customer Service | 4.4 | 4 |
Renewal Experience | 5 | 4 |
To size up Elephant, we looked beyond our own survey of Elephant drivers. We also reviewed the ratings of other industry figures. Here’s a look at how Elephant stacks up against the national average for other insurance companies in the US:
Criteria | Elephant Auto | Score Out Of |
|---|---|---|
BBB Rating | A+ | A+ |
NAIC Rating | 1.04 | 6 |
Clearsurance | 3.76 | 5 |
A.M. Best Rating | A+ | A++ |
IOS App Store Rating | 4.9 | 5 |
Google Play Store Rating | 4.8 | 5 |
Please note* that a greater NAIC score indicates increased risk.
Elephant Auto car insurance reviews
Don’t just take our word for how well Elephant is doing—here are some company reviews from real Elephant drivers:
Elephant Auto pros and cons
We’ve thoroughly reviewed the survey results as well as other experts’ statements on Elephant. From all that, we've come up with a brief summary of the bright spots and areas of improvement for Elephant auto insurance.
ProsGood variety of policy add-ons
Optional coverage for aftermarket parts
Perks like access to YourMechanic
Rideshare coverage
ConsMore complaints compared to other companies
Only available in eight states (GA, IL, IN, MD, OH, TN, TX, VA)
SR-22 only available in Illinois, Indiana, Tennessee, Texas, and Virginia
Is Elephant Auto the right insurance company for you?
If you’re a high-risk driver located in one of the eight states covered by Elephant, you may wish to get a quote from this company.
Elephant may be a good option for:
- Drivers in GA, IL, IN, MD, OH, TN, TX, VA
- Drivers with violations on record
- Drivers who need rideshare coverage
- Drivers who need special coverage (like loan/lease payoff or gap coverage)
Note that Elephant does not currently offer usage-based policies or new car replacement.
There’s no guarantee you will get the lowest possible rate with Elephant, even if you’re a driver in one of the above categories. But you might save money by going with Elephant, depending on your driver profile.
Explore a more detailed analysis of Elephant's car insurance services below.
Is Elephant Auto car insurance expensive?
The majority of Elephant policyholders in our survey were pleased with the cost of their auto insurance policies.
Drivers rated Elephant 4.3/5 on cost, which is better than the national average of 3.8/5.
Furthermore, 20% of the reviews mentioned cost directly—75% of these were positive and 25% were neutral. There was not a single negative review of the cost!
Best of all, Elephant offers an impressive suite of discounts that could lower your overall rate.
The cost of Elephant car insurance might be budget-friendly for some driver profiles in the eight states it’s available, especially when compared with other companies. Take a look at how Elephant compared to other companies in our study:
| Elephant Auto Insurance Policy Cost Rating | Ranking | Industry Average |
|---|---|---|
4.3 | 12 | 3.8 |
The company’s formulas for calculating rates are private, but we can see some common patterns by reviewing the data. Based on what we know from our survey, here's how Elephant's prices usually look:
Elephant Auto cost reviews
Check out how real Jerry users rated Elephant Auto based on cost.
Will Elephant Auto raise your rates?
Like all insurance companies, it’s possible that Elephant will raise your rates—but they can only do it
upon renewal of your policy
. Here are a few factors that could lead to an increase in your rate with Elephant:
- Recent violations or tickets
- Recent accidents
- Changing your address
- Adding a new vehicle to your policy
- Adding a new driver to your policy
- General rise in prices due to inflation
Elephant’s customers rated the renewal process with an impressive 5/5, and 60% of them chose to renew their coverage.
Remember that companies can change their formula at any time. Your rate might change, even if your driving record has stayed the same.
Does Elephant Auto resolve claims fast?
We don’t have a ton of data on this, but the Elephant customers in our survey rated the company’s claims process 3.5/5.
Buying a policy is easy, but filing a claim and working with an adjuster can be stressful. Elephant earns the exact same rating as the national average in this category.
| Elephant Auto Insurance Claims Resolution Rating | Ranking | Industry Average |
|---|---|---|
3.5 | 8 | 3.5 |
Does Elephant Auto have good customer service?
Yes, Elephant’s customer service rating is 4.4/5—much higher than the national average score of 3.9/5.
Policyholders generally report that the customer service representatives are courteous and helpful. Plus, there’s bilingual service available, for those who need or prefer Spanish-speaking agents.
| Elephant Auto Insurance Customer Service Rating | Ranking | Industry Average |
|---|---|---|
4.4 | 10 | 4 |
Elephant Auto Customer Service Reviews
On average, here’s how our survey respondents rated Elephant’s customer service:
Elephant Auto car insurance discounts
One major perk that Elephant offers over its competitors is bundling. Because it offers multiple types of insurance, Elephant is able to offer discounts for bundling.
- Multi-car discount: You could save up to 46% off if you insure multiple vehicles in one household with Elephant.
- Multi-policy discount: The discount is up to 12% for bundling auto with home or renters insurance.
- Homeowner: You can save money just by being a homeowner or condo owner, even if your home is not insured through Elephant.
- Claim-free: If you have been accident-free for five years, you’ll earn this automatic discount.
- Older driver: If you’re over 55 in IL, TN, and VA or over 60 in Ohio, you can claim this discount.
- Good student discount: If you’re a full-time student with at least a B average and under the age of 25, you could score a discount. You can also earn this discount if the student on the policy is more than 100 miles from home and doesn’t have a vehicle.
- Work from home: If you drive less, you’ll be charged less. Neat!
- Go digital: Paperless billing saves about 3% and eSignatures can unlock a lot more savings.
Discounts can change frequently, so make sure to check with your Elephant agent about what’s currently available.
Elephant Auto coverage options
- Liability insurance: Drivers can buybodily injury liabilityandproperty damage liability coverageas required by their state to cover claims for other parties in at-fault car accidents.
- Uninsured motorist/underinsured motorist coverage:If the other driver's insurance can't pay enough to help you after a car crash, UM/UIM steps in to quickly help with paying for your medical bills and fixing your car.
- Comprehensive coverage:If your car gets stolen or damaged by things like fire, bad weather, or people, comprehensive coverage kicks in after you’ve paid the deductible.
- Collision coverage:Collision insurance helps pay to fix your car when it's been damaged in a crash, such as a multi-car accident, a guardrail scrape, or a rollover. Combine collision and comprehensive for what’s known as “full coverage.”
- Personal injury protection (PIP):(Required in no-fault states) This coverage helps pay for things like doctor bills, money you didn't earn because you couldn't work, and other costs related to your health and the health of the people in your car if you're in a car accident.MedPayis also available, and medical payments covers slightly different things.
Elephant Auto’s additional tools and services
Beyond the basics, Elephant also offers:
- Ridesharecar insurance policy
- Loan/lease payoff, similar to gap coverage
- Rental reimbursement(gives you a rental car if yours is in the shop after an accident)
- Custom equipment coverage (great for modifications)
- Roadside assistance through Agero (for flat tires, lockouts, towing, and more)
- Diminishing deductible
But here’s the really impressive part—Elephant offers all its customers this suite of completely free perks:
- Pet injury coverage: That’s $1,000 for vet bills if your dog or cat is injured in a covered accident. This includes two pets.
- YourMechanic access: Elephant customers can book repair and diagnostic services at a reduced rate, with the option for contact-free repairs at your home or office.
- Upgraded accident forgiveness: Go without an accident for three years and your next at-fault accident will be brushed under the rug. This upgrade means you get the benefits immediately, so long as you don’t have an accident on your recent record.
Car, homeowners insurance, and renters insurance are Elephant's primary products, but it also offers life insurance, condo, motorcycle insurance, umbrella, and off-road vehicle coverage.
FAQs
Is Elephant owned by Allstate?
No, Elephant’s parent group is a UK-based company called the Admiral Group. Its US headquarters are based in Richmond, Virginia.
How do I file a claim with Elephant car insurance?
Elephant offers a 24/7 online claims processing tool on their website, and you can follow the progress of your claim inside your personal portal. Alternatively, you can call (877) 218-7965 between M-F between 8:00 a.m. and 8:00 p.m. EST to file a claim. Otherwise, use claims@elephant.com.
What is Elephant’s AM Best score?
Elephant’s parent company has an A+ rating from AM Best. This is a credit rating that assesses the company’s financial strength and ability to pay back claims. A++ is the highest possible ranking.
Did Elephant Insurance have a security breach?
Yes. In spring 2022, Elephant’s database was hacked and nearly 3 million people were impacted. There was a class action lawsuit, but a judge dismissed it in June 2023.
Does Elephant auto insurance go up after 6 months?
Like all car insurance companies, Elephant sometimes raises car insurance rates at renewal. If you have a 6-month policy with Elephant, your rates could go up at your renewal date.
Read all Elephant Auto Car Insurance Reviews
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet Our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
