Elephant

The Car Insurance Guide

Overall Personalized Rating: 4.2/5 (Very Good)

Summary

Elephant makes getting insured straightforward for all driver types, though their service is notably exceptional when it comes to drivers that are considered higher risk. While other providers might refuse to give young drivers and drivers with tickets or incidents on record a quote, Elephant makes it easy to work with them. With plenty of discounts and a simple claims-filing process as well, they're definitely a carrier to consider.

Key Benefits

Significant discounts available
Direct-to-consumer model means more competitive pricing
Easy sign up & quick claims filing

Ratings Summary

Ratings Highlights

Overall Rating

With competitive pricing and ample discount opportunities, Elephant is a particularly good option for drivers in the high-risk category -- drivers under 26 and drivers with accidents, tickets, or DUIs on their record typically have an easy time getting a reasonable quote with this carrier.

Pricing

How competitive Elephant's pricing is will vary depending on what type of driver you are and what discounts you're eligible for. If you take advantage of multiple discounts, they can make a significant dent on your rates. Getting a quote is the easiest way to see how much you could potentially save.

Handling Claims

With their Claims Photo App, Elephant has one of the more streamlined claims filing processes that we've seen. Drivers can report claims in a matter of minutes by simply uploading a photo. As far as how they handle claims once they receive them, customer reviews indicate that this is more of a mixed bag -- though that is the case with many insurers.

Uninsured Drivers

As uninsured drivers often struggle to get quotes from insurance companies, Elephant could be a good choice for this group simply due to the ease of getting a quote with them.

Young Drivers

They offer a quick quoting process and fairly competitive rates that could benefit drivers under 26, who might otherwise struggle to get insured.

Bundling Auto with Other Insurance Types

Elephant does offer auto and home insurance bundling, which can be a helpful discount option for homeowners. Consider looking into this if you want to save more on insurance costs in the long run.

Drivers with Tickets/Accidents

They rank particularly high when it comes to higher risk drivers. While other carriers might refuse to serve drivers in this category, Elephant's services are actually geared towards this group. If you have accidents, tickets, or incidents such as a DUI on your record, we recommend getting a quote from them to see where you stand.

Premium Driver

While Elephant does have helpful discounts and an easy-to-use website that could benefit any driver, drivers with a clean record might find better pricing elsewhere.

Company Background

Founded in 2009, Elephant is a customer-focused insurance provider headquartered in Richmond, Virginia. A subsidiary of the Admiral Group plc, which boasts 6 million customers worldwide, Elephant offers drivers a happy medium between the personalized feel of a smaller company and the resource-backed stability of a larger, more established brand. They currently insure in eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2025 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.