Elephant auto insurance review: Ability to get an immediate discount on your collision deductible

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In a Nutshell

Elephant Insurance is an online company that offers auto insurance directly instead of through agents. The company offers a range of discounts that could save you up to 40% off your policy. But Elephant offers auto insurance in a limited number of states, and it had a relatively high number of customer complaints in 2019.

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Pros Cons

Range of discounts

Not available in every state

Ability to reduce your deductible, starting on your first day of being insured

Relatively high number of customer complaints

Help choosing coverage with Coverage Wizard

No digital app


What you need to know about Elephant auto insurance

Headquartered in Richmond, Virginia, Elephant is a subsidiary of the United Kingdom–based insurance provider Admiral Group. Founded in 2009, Elephant offers auto insurance as well as renters, condo, umbrella, homeowners, motorcycle and life insurance.

Elephant is an online-only company — it claims on its website that it can save customers an average of $594 on their insurance by forgoing agents.

Range of discounts

Elephant offers several discounts, including multicar and multi-policy discounts as well as discounts for being a good student or responsible driver, having specific safety features, getting an online quote, paying your total premium with one payment and going paperless. Elephant says on its website that you can save up to 40% with the company’s discounts.

Diminishing deductible

With Elephant’s “Diminishing Deductible” program, you can get a reduction on your collision coverage deductible just for enrolling, and an additional $100 off for each year you drive with no accidents. If you get in an accident, your deductible will stay at its current amount when your policy renews — you won’t get the reduction. Then, at the beginning of the next year that you’re accident free, you’ll be eligible for another deductible reduction.

While some other auto insurance companies offer deductible funds, you may need to go accident-free for a certain amount of time to get a deductible reduction or pay extra on your premium to lower your deductible each year.

High number of customer complaints

Elephant’s number of customer complaints in 2019 was much higher than usual for insurance companies of its size in the market, according to the National Association of Insurance Commissioners. Elephant’s complaint index was more than four times as high as what’s expected in the market.

A closer look at Elephant auto insurance

Here are some additional things to consider about Elephant auto insurance.

  • Limited availability — Elephant doesn’t specify on its website where it offers auto insurance, but the NAIC website notes that the company is licensed in 13 states: Georgia, Illinois, Indiana, Maryland, Mississippi, Missouri, Montana, Nebraska, North Dakota,  Pennsylvania, Tennessee, Texas and Virginia.
  • Coverage options — Elephant offers standard coverage options: liability, collision, comprehensive, medical payments, personal injury protection, uninsured motorist, rental reimbursement and roadside assistance coverage. The Coverage Wizard tool on its website can help you identify the types of coverage you may need.
  • Claims — You can file a claim online or by phone. If your car is still drivable, you can use Elephant’s photo app to send photos of the damage and get an estimate for the repairs. During the claims process, Elephant offers guaranteed repairs for as long as you own your car if you choose a repair shop in its network.

Is an Elephant auto insurance policy the right fit for you?

Elephant car insurance could be a fit if you only need standard coverage options and qualify for some of the company’s discounts — for example, if you’re looking to insure multiple cars or bundle your auto coverage with homeowners or renters insurance.

It could also be ideal if you’re a responsible driver, which means you may be able to lower your deductible over time with Elephant.

But if you like the idea of working with an insurance agent, are queasy about the high rate of customer complaints lodged against Elephant in 2019, or live in a state where Elephant doesn’t offer auto insurance, you’ll need to look elsewhere.

How to get an auto insurance quote from Elephant

You can get a car insurance quote from Elephant on its website or over the phone. Remember that you can get a discount just for getting an online quote.

Keep in mind that various factors, including the types and amount of coverage you buy, can affect your insurance rate. Be sure to get insurance quotes from several auto insurance companies and compare the coverage, deductibles, policy limits and rates to find the best policy for you.

Understanding car insurance quotes

Not sure if an auto insurance policy from Elephant is right for you? Consider these alternatives.

If you aren’t sure whether Elephant auto insurance is a fit for you, or it’s not available in your area, here are some other insurers to consider.

  • Geico: Geico could be ideal if you want discounts based on your car’s safety or anti-theft features.
  • Progressive auto insurance: Progressive may be a good option if you want to earn rate discounts based on how you drive.