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Elephant Auto Insurance Review

Thursday, 12 December 2013 13:51

Elephant Insurance offers auto insurance in four states at the moment and is a new insurance product that primarily sells its products online directly to its customers. It is a subsidiary of Admiral Group and has received some media attention for its fast growth and positive work environment. It is one of several new insurance companies that have focused their efforts primarily on the rapidly growing online sector of the insurance industry. Elephant offers several discounts for its customers and also offers many types of insurance products but the few customer experiences that have been posted online so far have been negative.

Company Background Information

Elephant Insurance was founded as a subsidiary of the UK giant Admiral Group, PLC as a primarily online auto insurance provider. Admiral Group has over 2 million policies throughout the world and over 20 years of experience in the auto insurance business. Both Elephant and Admiral operate on a direct to customer business model, selling their insurance directly through the phone and internet, with the intention of passing the savings onto customers. The company is headquartered in Richmond, Virginia and was founded in 2009 so it is relatively new to the American auto insurance industry. It has not yet been rated by A.M. Best or J.D. Power.

Pros of Elephant Auto Insurance

  • Backed by a large financially secure company
  • Offers a wide range of discounts

Cons of Elephant Auto Insurance

  • Only offers insurance in four states presently
  • Relatively new to the auto insurance industry
  • Reviews are not positive thus far


Elephant Insurance offers a wide range of discounts including the following:

  • Multiple vehicle discount – for insuring more than one vehicle with the company
  • Online quote discount – a discount of up to 5% for online quotes
  • Pay in full discount – a discount for purchasing a year of auto insurance at once
  • Paperless discount – discount for using paperless billing
  • Good student discount – a discount for students between the age of 16 and 25 with a “B” average or better
  • Responsible driver discount – a discount for drivers who have been accident free for a minimum of 5 years

The website mentions that discounts may vary based on the state.

Types of Insurance Offered

Elephant offers homeowners, renters, condo, auto, motorcycle, RV, and collector car insurance. The basic types of insurance are offered including liability, bodily injury, property damage, uninsured motorist, medical payments, and comprehensive coverage. In addition to these standard insurance options, Elephant also offers supplementary collision coverage, GAP insurance, rental vehicle reimbursement, custom parts and equipment, income loss coverage, medical payment coverage, and emergency roadside assistance.


The company website is very well designed and modern and allows customers to get a quote easily. There are also many details about the different auto insurance products offered by Elephant on the website. Customers can file a claim directly from the website and check on the status of their claims as well.

Customer Reviews

Customer reviews of Elephant are mixed thus far, and there are not many reviews of the company yet. The reviews that have been posted cited some negative experiences with claims processing and other customer support issues.



Due to the fact that Elephant Insurance is a relatively new provider, it is difficult to offer a strong recommendation for their insurance services. They offer a decent range of discounts but similar discounts can be found at other insurance providers. Elephant may be worth a look for some auto insurance seekers who live in one of its four state markets, but the rates for their insurance should be compared with other providers. If you happen to be looking for auto insurance now, you can get quotes from multiple providers by entering your zip code on this page.

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