Elephant Auto Insurance Review 2024

Isabel Contreras
By Isabel Contreras 
Edited by Ben Moore

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Our Take

The bottom line:

Elephant offers auto insurance in eight states, but it has far more complaints than other companies of similar size.

Elephant Auto Insurance - QS
NAIC complaints
Far more than expected
Ease of use
Great set of discounts

Pros & Cons


  • Offers a wide variety of discounts.

  • Legal assistance coverage available.

  • Can bundle auto insurance with non-Elephant policies.


  • Available in only eight states.

  • Far more complaints to state regulators than similar-sized companies.

Full Review

NerdWallet was not able to rate Elephant for overall performance because there is no financial strength rating information available for the company. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Founded in 2009, Elephant is a subsidiary of Admiral Group, a large insurer in the U.K. Elephant Insurance is a small company that writes auto insurance policies in eight states only: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas and Virginia.

However, it sells other types of insurance, such as homeowners and renters, from other companies and offers a bundling discount in some states. Elephant sells policies directly to consumers, both online and over the phone.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B. 

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.

Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.

Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.

Compare to other insurers

Current Product

Elephant Auto Insurance - QS
Clearcover Auto Insurance
American Family Auto Insurance
NerdWallet rating 



Complaints to NAIC 

Far more than expected

Complaints to NAIC 

Far more than expected

Complaints to NAIC 

Far fewer than expected

Ease of use 


Ease of use 


Ease of use 

Above average


Great set of discounts


Very few discounts


Great set of discounts

Bottom line 

Elephant offers auto insurance in eight states, but it has far more complaints than other companies of similar size.

Bottom line 

Clearcover offers a digital-first user experience in 19 states, but sells only auto policies.

Bottom line 

American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.

Elephant auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

Elephant offers typical car insurance coverage options, including comprehensive, collision and roadside assistance. It also offers:

  • Rental reimbursement, which helps pay for a rental car if you can’t drive your vehicle due to a covered loss.

  • Non-owner car insurance, which provides car insurance coverage if you regularly drive a vehicle you don’t own. You may also want this policy if you are trying to avoid a gap in insurance coverage or need an SR-22 after a DUI or other serious traffic violation.

  • Loan/lease insurance. This add-on helps pay the difference (up to 25%) between your car’s value at the time it’s totaled and your loan amount.

  • Legal assistance coverage. Starting at $6 per month, policyholders can add this coverage, which pays for legal fees associated with one minor traffic violation annually. You also receive a 25% discount off other legal services needed for estate planning, family law and more.

  • Diminishing deductible. An extra option available only if you have collision coverage, it must be purchased with the initial policy or at renewal — not mid-contract. When you sign up, Elephant takes $100 off your collision deductible immediately for yearly policies or $50 for six-month policies, with a maximum of $500 off your deductible. Going forward, you’ll get the same amount reduced each time you renew your policy, as long as you remain accident-free. Should you have a wreck, the collision deductible won’t reset — it’ll stay the same for a year and then continue to decrease as you stay accident-free.

Customers who purchase collision insurance automatically receive pet injury coverage, which provides up to $1,000 of coverage if your pet is injured during a covered accident.

In addition, Elephant customers may receive free perks, including:

  • Accident forgiveness. If all drivers on your policy remain accident-free for three years, you’ll automatically earn accident forgiveness. This means that your next at-fault accident won’t increase your premium. For an extra cost, you can get accident forgiveness immediately.

  • Custom parts and equipment coverage. Which covers permanent enhancements to your car, such as window tinting and custom paint jobs. Elephant automatically includes up to $1,000 in coverage, but you can raise that limit for a fee if you have collision and comprehensive insurance.

  • YourMechanic. Elephant offers customers discounted rates for certain repair and maintenance services that can be done at your home or office, including an oil change, battery replacement and alternator repairs.

  • Repairs guaranteed for life. If you take your car to certain repair shops recommended by Elephant.

Auto insurance discounts

Depending on your location and coverage type, you may be able to save on your auto policy by:

  • Insuring more than one vehicle with Elephant.

  • Getting a quote online.

  • Buying multiple insurance products from Elephant.

  • Owning a home.

  • Not having any recent claims.

  • Paying for your policy in full.

  • Being a good student or having one on your policy.

  • Having a student on your policy who is away at school and keeps their car at home. 

  • Buying an auto policy before your previous one expires.

  • Taking a defensive driving course, if you’re 55 or older.

  • Referring someone to Elephant.

  • Working from home.

  • Receiving your documents electronically.

  • Using e-signature to sign your paperwork.

  • Signing up for automatic payments

  • Owning a car with safety equipment.

🤓Nerdy Tip

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.


Elephant had far more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about Elephant auto insurance

Elephant’s website lets you pay bills, print ID cards, get a quote, file a claim and more.

Other insurance from Elephant

Elephant offers motorcycle and all-terrain insurance through a partnership with Dairyland. Other types of insurance from Elephant’s partners and third-party insurers include:

  • Homeowners insurance.

  • Condo insurance.

  • Umbrella insurance.

  • Renters insurance.


Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.

Frequently asked questions