Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Written by Chelsey Tucker
Insurance Expert Chelsey Tucker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
President: Alberto Schiavon
Address: 9950 Maryland Drive
City: Henrico
State: Virginia
ZIP Code: 23233
Phone Number: 1-877-321-2096
Toll Free: No Toll Free Number Known
Year Founded: 2009
AM Best Rating: A+

Elephant auto insurance company sells low-cost auto insurance primarily online.

Currently only available in eight states, Elephant is positively rated by real customers and offers a variety of optional policy add-ons for you to choose from.

In this Elephant auto insurance review, learn how to request a quote, deep dive into the claims process, and more to help you determine if this company is a good match for you.

Below you’ll learn how to buy Elephant auto insurance, but don’t forget to enter your ZIP code into our free tool above to compare real quotes from the top companies near you.

What is Elephant auto insurance?

A subsidiary of the Admiral Group, Elephant sells auto insurance policies primarily online.

Currently, the company only operates in Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.

Despite being regionally limited, this company offers many different auto insurance coverages to drivers.

You can purchase traditional liability, collision, and comprehensive insurance from Elephant.

Plus, in select states, uninsured or underinsured motorist coverage, medical payments (MedPay) coverage, and personal injury protection (PIP) insurance are also available.

However, you can also add loan or lease coverage, rental reimbursement, non-owner auto insurance, and custom parts and equipment coverage to your policy.

As optional services, you can also request roadside assistance, pet injury coverage, and diminishing deductibles.

There’s also legal coverage, upgraded accident forgiveness, and a repair contract with YourMechanic.

Elephant also provides customers with a mobile app compatible with most Android and Apple devices.

You can create an Elephant auto insurance login through the app or the company website, which brings you to the customer portal.

In the customer portal and mobile app, you can pay your bill, make policy changes, access your ID cards, file and track claims, and more.

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How do you request Elephant auto insurance quotes?

To request Elephant auto insurance quotes, visit the company website and use the online quote tool. This company primarily operates online, which is the easiest way to secure coverage.

You can either go straight to the quote tool itself or use the coverage wizard for help setting up a policy without fully requesting a quote.

If you use the coverage wizard tool, it will ask you a few simple questions to help determine the right policy and coverage levels for you.

You may also call the customer service department for assistance with quotes. However, the company prefers potential customers go through the online channels if possible.

What are the average Elephant auto insurance rates?

Elephant auto insurance rates are not publicly available at this time.

However, if you request a quote, compare it to the average cost of coverage in the state where you live.

The table below shows the average annual auto insurance expenditures in the eight states where Elephant operates, as recorded by the Insurance Information Institute (III).

Average Annual Auto Insurance expenditures by State
StateAverage Annual Auto Insurance Expenditure
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Know that many different factors impact your auto insurance rates.

Your ZIP code, coverage requirements, driving record, age, and even the type of car your drive affect what you pay for coverage.

So to find the best policy for you, compare auto insurance quotes online from multiple companies and choose the policy most compatible with your unique situation.

How do you file Elephant auto insurance claims?

Even without a customer account, you can file auto insurance claims directly through the Elephant website. However, creating an account and logging in speeds up the process.

Once you submit your claim form, a claim specialist contacts you within one business day.

If you want to speak directly with a person, you can also call the Elephant auto insurance phone number at 844-937-5353.

However, the phone number is only available during daily business hours, which are not available on the company website.

Elephant states that claims typically take a few days or up to one week to process and close.

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Does Elephant offer any auto insurance discounts?

According to the website, drivers have the opportunity to save up to 40% on their auto policy by earning discounts available through Elephant insurance.

Check out the table below for details about all available Elephant insurance auto insurance discounts.

Elephant Auto Insurance Discounts
DiscountHow to Qualify
Good student discountMaintain a B average for a discount.
Early bird discountBuy your policy early for a discount.
Electronic signature discountSign electronically instead of in-person.
Homeowner discountIf you own a home, bundle homeowners insurance with your auto policy.
Multi-car discountInsure more than one vehicle in a single policy.
Multi-policy discountBundle multiple insurance lines.
Online discountSet up your plan online.
Paperless account discountSelect paperless billing to qualify.
Pay-in-full discountPay in one lump sum for savings.
Referral discountRefer a friend to save money.
Responsible driver discountRemaining accident-free earns you this deal.
Work from home discountDrive fewer miles to qualify.
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The savings opportunities available to you and how much it reduces your policy by changes based on where you live.

So for information about exactly what discounts you may qualify for through Elephant, contact a customer service representative during operational business hours.

What are the Elephant ratings and reviews?

Cheap insurance is great, but looking at an insurance company’s customer experiences and financial scores allows you to determine how reliable a company is before purchasing a policy.

Fortunately, Elephant earned an A+ score from A.M. Best, one of America’s leading credit rating agencies.

This means the company can follow through on financial obligations to policyholders.

Plus, Elephant is accredited by the Better Business Bureau (BBB) and holds an A+ rating. This means the BBB believes this company interacts positively with its clients.

However, customers rank it only 1.2 stars out of a possible 5. But in other parts of the internet, the online Elephant auto insurance reviews remain more optimistic.

Elephant also earned a complaint index of 3.45, according to the National Association of Insurance Commissioners (NAIC). The median is always set to 1.00, and lower scores are better.

So a 3.45 implies that Elephant received almost four times as many customer complaints than the median.

While this number is not awful, it is still essential to keep these customer experiences in mind while shopping around for your best auto insurance coverage.

Does Elephant sell other insurance products?

Elephant sells a variety of other insurance products besides auto policies. You can also purchase homeowners insurance or renters insurance from this company.

Plus, motorcycle insurance, personal umbrella insurance, and life insurance options are also available in select states.

Elephant also provides you with bundling discounts if you purchase multiple insurance lines.

For more information about what specific products are available where you live, speak with an Elephant customer service representative.

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What is the history of Elephant auto insurance?

Elephant, a subsidiary of the Admiral Group, was founded in 2009 and is headquartered in Richmond, Virginia.

The name of the company was carefully chosen. Just like the values of this insurance company, elephants are big, strong, and built to last.

Elephant was built around the customer, and it promises to adapt and change as rapidly as the needs of its drivers.

Today, the company sells auto insurance in eight states but offers a variety of additional insurance products as well.

Elephant Auto Insurance: The Bottom Line

Overall, Elephant offers reasonably priced auto insurance policies and appears to be highly rated by its customers.

While it may not provide the cheapest rates compared to some of the other best insurance companies, Elephant does offer stackable discounts and a convenient mobile app.

However, higher-risk individuals may struggle to secure affordable rates from this company.

No matter what, before choosing your insurer, it’s worth comparing quotes from multiple insurance companies to verify that you’re getting your best prices without sacrificing coverage levels.

Now that you’ve learned about affordable Elephant auto insurance, secure your best coverage by entering your ZIP code into our free quote comparison tool below.