Elephant Auto Insurance Review: Costs and Coverage (2022)

*Ratings are determined by the Home Media Review Team. See below for more information on how the scoring is done.

Elephant Auto Insurance is known for offering affordable rates with a one-year policy term. Many drivers accept Elephant coverage and costs, but the provider isn’t the right choice for everyone.

Our Home Media Review team researched the best auto insurance companies to find the ones that do a great job of combining quality coverage with affordability. Here we take a careful look at Elephant auto insurance, examining its average cost, policy policy, and customer reviews.

Elephant Insurance has been in business since 2009 and is headquartered outside Richmond in Henrico, Virginia. The company typically offers policyholders cost-effective rates and a wide range of discount opportunities.

In addition to Elephant auto insurance, customers can include homeowners insurance, renter insurance, motorcycle coverage, life insurance, and umbrella coverage in their policies. People who purchase multiple coverages from Elephant are eligible for a multi-insurance discount on their premiums.

Elephant insurance availability is relatively low and only drivers living in these states are eligible for coverage.

• Georgia
• Illinois
• Indiana
• Maryland
• Ohio
• Tennessee
• texas
• Virginia

However, in light of Elephant’s A+ rating from the Better Business Bureau (BBB), drivers in these states are encouraged to consider this insurer’s options.

Drivers often opt for Elephant coverage when trying to find cheap auto insurance. Depending on the driver, the company’s rates are generally lower than those of its competitors.

We contacted Elephant Insurance for a quote for a 35-year-old driver with a clean driving record outside of Chicago. The following price estimates are for full coverage car insurance.

These rates are slightly below the Illinois auto insurance average, but they may not be the cheapest rates possible. The easiest way to find the most competitive rates for auto insurance is to compare auto insurance quotes from multiple providers.

Factors That Affect Auto Insurance Prices

Like nearly all auto insurance companies, Elephant uses personal information and information about your vehicle in determining your premium. Here are some of the factors that can affect the cost of Elephant Auto Insurance:

• position: Rates vary by state line, but rates are generally lower in rural areas than in urban areas of the same state.
• Driving history: Drivers with a clean driving record get the lowest fares. Someone with an accident at fault, a ticket, or a moving violation can have higher auto insurance rates.
• coverage: Prices vary depending on the type and amount of car insurance you want. A minimum coverage policy is typically significantly less expensive than a policy with broader protection.
• vehicle type: Insurance companies charge different rates for different types of cars, with luxury and sports cars usually having the highest premiums.
• Year: Younger drivers are statistically more likely to be involved in an accident, so they almost always have higher car insurance premiums.
• credit history: If your credit history shows that you pay your bills on time and are in good financial standing, you’ll get a lower auto insurance premium.

Drivers who avoid speeding tickets, DUIs, and accidents at fault will find Elephant Auto Insurance the most competitive pricing. You can also find a lower rate if you have one.

elephant car insurance discounts

Young drivers and those with accidents or tickets on their record often struggle to find affordable car insurance premiums. I have. Below are some of the most common ones.

Elephant auto insurance is known for its affordable rates and wide range of discounts, so it’s worth checking with the company for additional savings. The easiest way to find out if you qualify for a discount is to get a free auto insurance quote online.

Elephant car insurance comes with standard types of car insurance offered by almost all providers. Below are the six most basic compensation types.

Additional compensation options

You can also find some less common coverage types through Elephant Auto Insurance. Not all add-ons are required for each Elephant car insurance policy, so examine these coverage options carefully before adding them.

Elephant Insurance has an average of 4.2 stars out of 5.0 from over 2,800 reviews on Google, but also an average of 1.2 stars from reviewers on the BBB site. Meanwhile, BBB gave Elephant an A+ rating, accredited since 2015.

Drivers generally appreciate Elephant Auto Insurance’s highly competitive rates, though some drivers say rates have skyrocketed over time. It’s wise to compare auto insurance rates regularly so that you can easily determine the best insurance rate for your vehicle.

There’s also a checkered review of the claims process from Elephant Insurance. Common criticisms include the company’s refusal to cover certain car repairs and some issues with inefficient and hard-to-reach insurance agents.

According to Elephant Insurance review, motorists experience hit and miss when working with providers. Some think Elephant is worth the discount, but many prefer the peace of mind they get from a more established insurer.

Our team reached out to Elephant Insurance for comment on their customer service and claims satisfaction scores, but did not receive a response.

Join Elephant Automobile Insurance 7.6 out of 10.0 Because of its excellent price and extensive coverage options. However, the company doesn’t have the highest scores from Elephant customers and is only available in eight states.

It is a good idea to compare auto insurance company quotes before choosing an insurance company to cover your vehicle. That way, you’ll know if Elephant car insurance is the best fit for your needs, or if you’d be better off with a different provider.

Different types of insurance are offered

Multiple insurance options can be bundled with your vehicle coverage if you want to get a lower rate with Elephant. A company can offer the following types of insurance:

• homeowners insurance
• Lessee insurance
• apartment insurance
• Off-road vehicle coverage
• bike insurance
• Life insurance
• umbrella insurance

Insurance customers pay more for additional coverage types, but these options are usually cheaper when bundled together. Regardless of which insurance company a driver chooses, we recommend that he purchases most insurance products from one company.

Elephant Auto Insurance may be a good choice for drivers looking for cheap coverage, but it is not the only option. We recommend considering multiple auto insurance options before deciding on one, as they may lead to more competitive rates.

Geico: Editor’s Choice

For those looking for cheap rates from established auto insurance providers, check out Geico coverage. The company scored above average in JD Power’s 2021 U.S. Auto Claim Satisfaction Survey.^SM It has an A++ financial strength rating from AM Best.

keep reading: Geico insurance review

USAA: Low Rates for Military

USAA provides affordable rates and superior service to active duty and retired military personnel and their families, earning low rates for military personnel.Insurer scores highest in all US regions in JD Power’s 2021 U.S. Auto Insurance Survey^SM.

keep reading: USAA Insurance Review

Consumers trust us to provide objective and accurate information, which is why we have created a comprehensive rating system to create a ranking of the best auto insurance companies. We collected data from dozens of auto insurance companies and rated the companies on various ranking factors. The final result is an overall rating for each provider, with the insurer with the most points at the top of the list.

The factors that our rating takes into account are:

• Cost (30% of total score): Both auto insurance rate estimates and discount opportunities generated by Quadrant Information Services were considered.
• Coverage (30% of total score): Companies that offer a variety of options for insurance coverage are more likely to meet consumer needs.
• Reputation (15% of total score): Our research team considered market share, ratings from industry experts, and years in business in giving this score.
• Availability (10% of total score): Auto insurance companies with more availability in the state and few eligibility requirements scored the highest in this category.
• Customer Experience (15% of total score): This score is based on the volume of complaints reported by the NAIC and customer satisfaction ratings reported by JD Power. We also looked at the responsiveness, friendliness, and helpfulness of each insurer’s customer service team, based on our own shopper analysis.

*Data is as of the time of publication.