Elephant Auto Insurance Review 2022

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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.

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Elephant Auto Insurance - QS
Elephant Insurance
NAIC complaints
Far more than expected
Ease of use
Above average
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 eight states only.
  • Far more complaints to state regulators than similar-sized companies.

Full Review

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.

Elephant is best for drivers who:

  • Appreciate a user-friendly app and the ability to file a claim online.

  • Want to bundle their insurance with other types of coverage like home or renters.

  • Want to insure multiple cars at once.

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: Helps pay for a rental car if you can’t drive your vehicle due to a covered loss.

  • Non-owner car insurance: 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: 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. 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 insurance coverage, which provides up to $1,000 of coverage if your pet is injured during a covered accident.

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

  • Accident forgiveness: If you 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: Covers permanent enhancements to your car such as window tinting and custom paint jobs. Elephant automatically includes up to $1,000 of coverage. 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.

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Auto insurance discounts

Discounts from Elephant vary by location and coverage type but may include:

  • Multi-car discount.

  • Online quote discount.

  • Multi-policy (bundling) discount.

  • Responsible driver discount.

  • Paid-in-full discount.

  • Good student discount.

  • Discount for buying your auto policy before a previous one expires.

  • Referral discount.

  • Discount if you work from home.

  • Paperless discount.

  • E-signature discount.

🤓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 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.

  • Life insurance.

  • Renters insurance.


Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. 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. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Frequently asked questions