Elephant Car Insurance Review for 2025 [Uncover Rates and Discounts Here]

Our Elephant car insurance review discusses that while Elephant is great for affordability, it does struggle with customer complaints and isn’t widely available.

When buying car insurance, it’s important to consider all aspects of a company. Our rating of Elephant is based on several auto insurance factors, from its business practices to its rates.

For a full breakdown of how we ranked Elephant as an auto insurance company, view the table below.

Elephant Car Insurance Rating

Rating Criteria
Overall Score	3.9
Business Reviews	3.5
Claim Processing	3.3
Company Reputation	4.0
Coverage Availability	2.5
Coverage Value	4.0
Customer Satisfaction	3.8
Digital Experience	3.5
Discounts Available	5.0
Insurance Cost	4.3
Plan Personalization	4.0
Policy Options	5.0
Savings Potential	4.5

Find out if Elephant is the best choice for you by reading our full review of Elephant. You can also enter your ZIP in our free tool to find affordable car insurance companies near you.

Elephant Car Insurance Rates

Elephant’s car insurance rates are the most affordable for drivers in their 60s, as you can see from Elephant’s average rates below.

Elephant Car Insurance Monthly Rates by Age, Gender, & Coverage Level

Elephant is more expensive for younger drivers, although rates will be cheaper if teenagers don’t purchase their own Elephant policy and join a parent’s policy instead (Read More: The Perks of Staying on Your Parents’ Car Insurance Policy).

Your driving record will also impact your rates at Elephant, with a DUI raising auto insurance rates the most.

Elephant Car Insurance Monthly Rates by Driving Record

Drivers with clean driving records will have affordable rates at Elephant for basic and full coverage policies.

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Elephant vs. the Competition: Car Insurance Rates

Looking at Elephant’s rates in comparison to the competition will give you an idea of if Elephant has the best price for your auto insurance.

Elephant vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Age & Gender

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 60 Female	Age: 60 Male
	$448	$519	$168	$176	$162	$160	$150	$154
	$333	$371	$109	$114	$97	$97	$86	$89
	$220	$254	$90	$87	$80	$80	$73	$74
	$626	$626	$174	$200	$171	$174	$148	$159
	$522	$626	$174	$200	$171	$174	$148	$159
	$591	$662	$131	$136	$105	$112	$92	$95
	$229	$284	$94	$103	$86	$86	$76	$76
	$530	$740	$99	$108	$98	$99	$89	$90

Elephant is one of the more affordable companies for older drivers, with rates only slightly higher than State Farm’s rates (Read More: State Farm Car Insurance Review).

Elephant is also one of the cheaper companies for drivers who have driving infractions like DUIs on their record.

Elephant vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$86	$108	$133	$148
	$97	$119	$138	$166
	$117	$136	$176	$194
	$139	$173	$198	$193
	$80	$106	$132	$216
	$174	$212	$234	$313
	$115	$137	$161	$237
	$105	$140	$186	$140

Elephant auto insurance rates are reasonable compared to its competition, even for drivers with poor driving records.

Elephant Car Insurance Coverage

Now that you know how much you’ll pay on average for car insurance at Elephant, take a look at the table below to see what you can purchase.

Elephant Car Insurance Coverage Options

Elephant has some great add-on coverages like gap insurance and roadside assistance that customers can opt to add to their policies. You can get Elephant car insurance quotes to determine how much coverage you can afford.

Bear in mind that adding additional coverage is one of the factors that affect the price of car insurance.

Elephant Car Insurance Discounts

Discounts are one of the best ways to lower your car insurance cost on your Elephant policy, especially if you are paying more for add-on coverages.

Elephant Car Insurance Discounts by Savings Potential

Discount
Multi-Car	46%
Online Quote	15%
Pay in Full	15%
Early Bird	10%
Good Student	10%
Multi-Policy	12%
Homeowner	10%
Electronic Signature	3%
Paperless	3%
Work from Home	3%

Insuring more than one vehicle at Elephant will earn you the biggest discount, but you can also save with smaller discounts, such as by purchasing more than one type of insurance from Elephant.

Even small 3% discounts can add up over time on your Elephant policy, and most are very easy to apply for, such as going paperless.

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Elephant Customer Reviews

Customer reviews of Elephant car insurance will alert you to issues with things like customer service, payments, and negotiating settlements (Read More: How to Negotiate a Settlement after a Car Accident). For example, the Reddit review below shows that there may be potential issues with Elephant’s online services.

Reddit reviews like the one above criticize Elephant’s operations, such as its customer service and claims processing.

Elephant Business Ratings

Business reviews are another important aspect of evaluating Elephant car insurance. See the most important Elepehant reviews below.

Elephant Business Insurance Ratings

Agency
	Score: 795 / 1,000 Avg. Satisfaction
	Score: B Good Business Practices
	Score: 68/100 Mixed Customer Feedback
	Score: 1.10 Avg. Complaints
	Score: B++ Good Financial Strength

J.D. Power gave Elephant just an average score, showing most customers aren’t totally satisfied with the process of filing a car insurance claim after an accident with Elephant. The NAIC also recorded a higher than average number of complaints against Elephant.

Elephant Pros and Cons

Like any car insurance company, Elephant has perks and cons. Pros that draw customers to Elephant car insurance include:

• Affordable Car Insurance Rates: Elephant has affordable rates for most customers.
• Add-On Coverages: Customers can add extras to their policies (Learn More: How much insurance do I need for my car?).
• Discount Opportunities: Customers can apply for Elephant discounts to save even more.

The downsides you should consider before signing up for an Elephant policy, however, include:

• Customer Complaints: Elephant has a higher-than-average number of customer complaints recorded by the NAIC.
• Availability: Elephant doesn’t sell car insurance in very many states.

While Elephant has some great pros, the higher number of customer complaints filed is concerning.

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Deciding if Elephant Car Insurance is Right for You

While Elephant is one the cheapest car insurance companies, price isn’t everything. Our Elephant car insurance review found that while Elephant has great rates, its customer and business ratings aren’t stellar, pointing to some issues with customer service.

Want to find your next auto insurance company? Enter your ZIP in our free quote tool to find affordable companies near you.