In 2023,
conducted one of the largest insurance surveys in the nation to help you better understand your
car insurance
provider options. We found that drivers rated Elephant Insurance about a 4.4/5 overall, with special appreciation for their excellent customer service and easy renewal process.

So, is Elephant a good car insurance company?

Overall, yes.
We sorted through several reviews of Elephant Insurance from our survey and found that 80% were positive, whereas just 10% were neutral and 10% were negative. 
iconPositive reviews:
  • Tons of discount options
  • Legal assistance coverage
  • A simple, pleasant renewal process
iconNegative reviews:
  • Elephant is currently only available in eight states
  • Costs may be higher compared to similar providers
Our survey didn’t end with overall ratings and reviews, though.
also asked policyholders to review Elephant’s costs, claims process, customer service, and policy renewal. Here’s how Elephant fared at a glance:
Elephant’s Rating
Industry Average
Cost / Price
Claim Experience
Customer Service
Renewal Experience
For an even more thorough analysis, we also turned to industry leaders, like the National Association of Insurance Commissioners (NAIC) and Better Business Bureau (BBB), for their ratings and reviews. Here’s what we found.
Best Score Possible
BBB Rating
NAIC Rating*
A.M. Best Rating
A+ (Superior)
IOS App Store Rating
Google Play Store Rating
*Please note that a greater NAIC score indicates increased risk.

Elephant pros and cons

In the data from our survey, policyholders identified the following pros and cons for using Elephant insurance:
Lots of opportunities to save with discounts
Several coverage options, both standard and unique
Great customer service ratings
Limited to just eight states
Drivers may pay more for their policy

Is Elephant the right insurance company for you?

Elephant might be the right insurance company for you if:
  • You’re looking for unique coverage options, like legal coverage or pet coverage
  • You qualify for multiple discounts on their extensive list
  • You hope to renew your policy for multiple years
Elephant insurance is only available in:

Is Elephant car insurance expensive?

Elephant insurance costs $126 per month on average, making it 4% cheaper than the national average and earning them a ranking of 12 for customer satisfaction with cost compared with similarly sized providers.
However, remember that
insurance companies calculate their rates
based on many highly individualized factors, including but not limited to:
You’ll need to call your local insurance agent or use
’s online tool to get a quote if you want an accurate idea of your Elephant insurance rates.

How to find real Elephant insurance quotes

You can visit
Elephant's website
to get a quote, or get a quote over the phone by calling 1-877-218-7865. You’ll need to provide information about:
  • Your driver’s license
  • The VIN for all vehicles on the policy
  • Your home address, where all vehicles must be stored
Once you get a quote, you can choose to accept this price and purchase your policy. Elephant users rated the ease of this process a 4.3/5, meaning it was relatively quick and easy to complete.
Are you overpaying for your car insurance?
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icon4.717k Ratings
5M+Drivers Joined
7M+Cars Garaged

Will Elephant raise your rates?

Most insurance providers—including Elephant—will reevaluate your insurance premiums when you
renew your policy
If you notice that your rates have increased upon renewal, this may be due to:
  • New tickets, violations, or accidents on your record
  • Your new home address, if you moved
  • A new vehicle added to the policy
  • A new driver added to the policy 
  • Inflation, which can average insurance rates
Overall, Elephant received a score of 5/5 from Jerry users for their insurance renewal process, earning them a first place ranking for this aspect of their service. This means drivers felt it was easy and satisfying to renew their contracts with Elephant.
Insurance rates will increase over time, even without any changes to your driving record or other important factors.

Does Elephant resolve claims fast?

Elephant allows drivers to file any
insurance claims
online, after which point you can track the status of your claim via Elephant’s website. According to our data, 60% of Elephant Insurance customers have filed a claim with an overall satisfaction rating of 3.5/5, meaning Elephant is fairly average in this category. 

Does Elephant have good customer service?

Based on the data we gathered via our extensive insurance survey, drivers rated their customer service experience with Elephant at a 4.4/5, meaning Elephant scores very well in this category. Elephant agents are available via a phone call or online chat services, and drivers have reported positive experiences with both.

Elephant car insurance discounts

Elephant currently offers several discounts, and drivers who take advantage of these savings opportunities can save up to 40% on their insurance rates. Available discounts include the following.
How to get it
A safe driver discount will be automatically applied to your policy if you avoid traffic violations and stay accident-free for three consecutive years or more.
If you choose to insure multiple vehicles on the same policy, you’ll qualify for a discounted insurance rate.
If you’re financially capable of paying for your entire insurance policy at once, you’ll receive an automatic discount from Elephant.
If you choose to bundle your auto insurance with another policy (such as homeowners insurance or renters insurance), Elephant will offer you a discounted rate on all your policies.
Homeowners discount
Drivers who also own their own home (a house or a condo) will automatically earn a discounted rate on their policy with Elephant.
Work-from-home discount
If you don’t need to commute to the office, you can save on your Elephant policy.
Paperless account discount
Opting out of paper statements and paying your bills online instead can earn you a discounted rate on your policy.
In select states, you can submit documentation of your grades. Drivers under 25 may earn a discount for maintaining a B-average or better. Savings vary by state, so contact your agent for more information
Many of these discounts are applied to your policy automatically based on the personal information you provide, but some (like the good student discount, for example) will require you to provide additional information each time you renew to continue receiving a lower rate.

Elephant insurance coverage and add-on options

All auto insurance companies are required by law to provide at least the
minimum car insurance coverage
required in your state, and most drivers need a
full coverage insurance policy
to meet all their insurance needs. However, Elephant Insurance is known for their extensive coverage options and highly customizable insurance plans.
Elephant auto insurance customers can obtain the following types of insurance coverage:
  • Liability insurance
    : Liability coverage pays for damage you cause to other people in an accident where you are found to be at fault, and it’s required in most states. Almost all of the time, your policy will need to meet state minimum limits for both
    bodily injury liability
    property damage liability
  • Collision insurance
    : Included in most definitions of a full coverage car insurance policy, collision coverage pays for repairs to your car after an accident or collision, minus a deductible.
  • Comprehensive insurance
    : Comprehensive coverage is also typically included in a full coverage policy. This type of insurance pays for damages to your vehicle sustained by things other than a collision, such as car theft, vandalism, and damage from floods or fires, just to name a few things. Your coverage will pay up to the actual cash value of your car, minus a deductible. 
  • Personal injury protection (PIP)
    : Drivers in no-fault states must carry this coverage, which pays for medical expenses for you and your passengers after an accident, along with rehabilitation costs and lost wages. 
  • Medical payments (MedPay) coverage
    : This add-on is optional outside of Maine and New Hampshire, but if you get it, it will help pay for the medical or funeral expenses of you, other covered drivers, or your passengers after an accident. 
  • Rental reimbursement coverage
    : If your vehicle is totaled or severely damaged in an accident, rental reimbursement coverage can help you pay for a temporary replacement via a rental car.
  • Under/uninsured motorist coverage (UM/UIM)
    : This type of coverage pays bills associated with injuries you or your passengers sustain in an accident where the other driver is uninsured or underinsured. This coverage only applies if you were not at fault.
  • Loan/Lease payoff coverage (gap insurance)
    : Drivers with a car loan can purchase gap insurance to pay the difference between the actual cash value (ACV) of their vehicle and the amount they owe on their loan. If you total your vehicle, this coverage can be a huge asset.
  • Non-owner insurance
    : If you regularly use another person’s car but don;t have a vehicle of your own, non-owner insurance keeps you legally compliant and financially safe in the event of an accident.
  • Custom parts and equipment coverage: If you like to add modifications to your vehicle, this type of insurance will pay to repair or replace them after an accident.
Elephant Insurance also offers several unique and standard add-on insurance options, including:
  • Roadside assistance
    : With this add-on, you’ll get help paying for the cost of towing or roadside service following a mechanical or electrical breakdown. This coverage can help you pay for services following battery failure, a flat tire, being locked out, or running out of gas.
  • At home mechanic service: Stuck in your driveway? Elephant partners with YourMechanic to offer several repair, maintenance, and diagnostic services at the address of your choice.
  • Legal coverage: This unique coverage helps you pay for 100% of all legal fees for one moving violation per year, plus 25% discounts on other attorney services in other areas of your life (such as real estate transactions, family law, will preparation, and more).
  • Diminishing deductible coverage: This coverage can be added to your collision coverage to reduce your out-of-pocket costs after an accident.
  • Upgraded accident forgiveness: Rather than waiting three years for an accident to be waived (as you would on a standard policy), Elephant’s upgraded version of accident forgiveness allows this to happen right away.
  • Pet injury coverage: Do you bring your pets along in the car? If so, this pet injury coverage add-on will pay up to $1,000 towards your pet’s injuries following a covered accident claim.
Are you overpaying for your car insurance?
Compare quotes and find out in 45 seconds.
No spam or unwanted phone calls · No long forms
No spam or unwanted phone calls · No long forms · No fees
icon4.717k Ratings
5M+Drivers Joined
7M+Cars Garaged


Does Elephant have good customer reviews?

Based on the Elephant auto insurance reviews we collected in our national insurance survey, over 80% of drivers gave Elephant a positive review.

Does Elephant have more than just auto insurance?

Elephant offers more than car insurance, including home insurance, renters insurance, and life insurance. Elephant also partners with Dairyland Insurance, through which you can purchase motorcycle insurance and other types of coverage.

Can you get an online quote with Elephant?

Elephant offers online auto insurance policy quotes via their website, You can also get several quotes at once by using Jerry.

Where is Elephant Insurance based?

Elephant is based in Richmond, Virginia.

Meet out experts

Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

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