Elephant Auto Insurance Review for 2025 (Rates, Discounts, & Options)

Learn how the Elephant auto insurance review reveals rates starting at just $48 per month, making it a smart choice for budget-conscious drivers.

Rating Criteria
Overall Score	3.9
Business Reviews	3.5
Claims Processing	3.3
Company Reputation	4.0
Coverage Availability	2.5
Coverage Value	4.0
Customer Satisfaction	1.9
Digital Experience	3.5
Discounts Available	5.0
Insurance Cost	4.4
Plan Personalization	4.0
Policy Options	5.0
Savings Potential	4.6

Elephant Insurance Services, LLC provides flexible coverage options, including liability, collision, and comprehensive, along with unique features like diminishing deductible and custom parts coverage.

Drivers can save up to 25% with discounts like early bird, multi-car, and paperless billing. Rates for comprehensive auto insurance vary based on age, driving history, location, and credit score.

Find out if you can receive lower auto insurance rates in your area by entering your ZIP code into our free quote tool to instantly compare prices between companies.

Elephant Auto Insurance Cost

Elephant rates vary by age, gender, and coverage, with teens paying the most due to higher risk. At age 16, females pay $252 for minimum and $644 for full coverage, while males pay slightly more. Rates drop sharply by age 25 and stabilize through age 45, where both genders pay $53 for minimum and $138 for full.

Seniors typically get the cheapest car insurance with low, steady rates; for example, 65-year-olds pay around $52 for minimum and $135 for full coverage. Full coverage usually costs more than double minimum coverage due to the added protection it provides.

Auto insurance full coverage rates vary by provider and are strongly impacted by credit score, with poorer credit leading to higher premiums. USAA offers the lowest rates, from $140 with good credit to $210 with bad credit, while Liberty Mutual is the most expensive, ranging from $175 to $255. Learn more in our Liberty Mutual auto insurance review.

Insurance Company	Good Credit	Fair Credit	Bad Credit
	$170	$205	$250
	$152	$182	$220
	$148	$185	$235
	$165	$200	$245
	$150	$180	$220
	$175	$210	$255
	$158	$190	$235
	$160	$190	$230
	$155	$185	$225
	$140	$170	$210

Most providers, including Elephant, Geico, and State Farm, fall in between, with average increases of $70 to $85 from good to bad credit. This highlights the significant role credit score plays in determining auto insurance costs.

Elephant monthly rates rise with the severity of driving record infractions. Drivers with a clean record pay the lowest rate at $60 per month. One ticket increases the rate to $100, one accident raises it to $140, and a DUI results in the highest rate of $200 per month, reflecting the increased risk associated with each violation.

Insurance Company	Minimum Coverage	Full Coverage
	$87	$228
	$62	$166
	$63	$148
	$76	$198
	$95	$165
	$96	$248
	$63	$164
	$56	$150
	$47	$123
	$32	$84

Elephant offers midrange auto insurance rates at $63 for minimum coverage and $148 for full coverage. Prices vary drastically among the providers, with USAA carrying the cheapest rates of $32 and $84, and Liberty Mutual the highest cost at $96 and $248.

Most insurers, including State Farm and Progressive, are in between, with full coverage typically running $80 to $150 more than minimum. This speaks to the extra costs to finish insurance in the market.

Top Ways to Save on Auto Insurance With Elephant

Saving on car insurance doesn’t have to be complicated. Elephant Insurance Company makes it easy with a wide range of discounts designed to reward smart, responsible drivers.

Discount
Multi-Car	45%
Good Student	20%
Electronic Signature	18%
Pay-in-Full	15%
Multi-Policy	12%
Early Bird	10%
Homeowner	10%
Claims-Free	10%
Online Quote	$3
Paperless Billing	3%
Work-from-Home	Varies
Automatic Payment	Varies

Whether you’re bundling policies or simply opting for paperless billing, there are plenty of ways to reduce your premium.

• Increase Your Deductible: Opting for a higher deductible can significantly lower your monthly premiums, but make sure it’s an amount you can afford to pay out-of-pocket if you file a claim.
• Drive Less and Join a Usage-Based Program: Usage-based insurance rewards low-mileage driving with lower premiums. Learn more in our definitive guide to usage-based car insurance.
• Maintain Continuous Coverage: Keeping your auto insurance active shows reliability and can help you qualify for lower rates over time.
• Improve Your Credit Score: A higher credit score in many states can lead to lower premiums, so managing debt and paying bills on time can help reduce insurance costs.
• Choose a Vehicle That’s Cheaper to Insure: Cars with the highest safety ratings and lowest repair costs are less expensive to insure than luxury or high-performance models.

You can significantly lower your auto insurance costs without sacrificing coverage by taking advantage of Elephant Insurance Company’s discounts and adopting additional money-saving strategies.

Start exploring your options today and see how much you could save with a more innovative approach to car insurance.

Auto Insurance Coverages Offered by Elephant Insurance

When it comes to selecting auto insurance, you want to make sure you have the right coverage.

Elephant Insurance Services has the necessary choices, such as liability, comprehensive and collision, to keep you safe from accidents or theft.

• Liability Coverage: Assists in covering injuries or damages to others in the event you cause an accident. Most states mandate this kind of coverage.
• Comprehensive Coverage: This type pays for damage to your car that occurs due to events other than crashes, including theft, vandalism, fire, weather-related events (such as hail).
• Collision Coverage: Pays to repair or replace your vehicle if it’s damaged in an accident with another vehicle or object, regardless of fault.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver who has no insurance or doesn’t have enough coverage to pay for your injuries or damages.
• Medical Payments (MedPay) or Personal Injury Protection (PIP): Your medical bills and those of your passengers are covered after an accident, no matter who is at fault (availability varies by state).

Added benefits include the Elephant Approved Repair Service (EARS) for guaranteed, high-quality repairs, a Responsible Disclosure Policy for secure issue reporting, and a Privacy Notice that explains how your data is protected. With Elephant, you get smart coverage and extra peace of mind.

With several critical coverage options, including collision auto insurance and added protections, Elephant Insurance makes it easy to build a policy that fits your needs. Whether you’re safeguarding your car, your health, or your data, you can count on Elephant for reliable, worry-free coverage.

Elephant Auto Insurance Ratings & Customer Reviews

Elephant holds a strong A+ rating from A.M. Best for superior financial strength. It received a score of 795 out of 1,000 from J.D. Power, reflecting average satisfaction, and a 68 out of 100 from Consumer Reports, indicating mixed customer experiences.

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

The company has an average complaint score of 1.10, indicating moderate consumer concerns. Overall, Elephant shows solid business practices and financial reliability but has room to improve in customer satisfaction. For tips, see our guide on how to file an auto insurance claim & win it each time.

On Yelp, Sandra W. gave Elephant Insurance a 4-star review, highlighting her positive experience over nearly four years with the company.

She noted that despite her husband being involved in a wreck, Elephant handled the claim efficiently, and their customer service was pleasant and helpful. While acknowledging other reviews, she felt the company treated her family well.

Pros and Cons of Elephant Auto Insurance

There are pros and cons to Elephant auto insurance that can aid drivers in making a decision as to whether it’s the right option for you.

• Affordable Rates: Many drivers report significant savings, with average switch savings up to $783.
• Generous Discounts: Provides a wide range of discounts, such as those for early signing, safe driving, bundling, online quotes and paperless billing.
• Customizable Coverage Options: Includes standard liability, collision, and comprehensive coverage, plus optional add-ons like uninsured motorist and roadside assistance.

With competitive pricing, valuable discounts, and customizable coverage, it appeals to budget-conscious drivers seeking flexibility. For more savings advice, see our 17 tips to pay less for car insurance.

• Limited Availability: Coverage is only offered in a handful of states (e.g., TX, VA, MD, IN, OH, TN, GA), which restricts access.
• Limited Policy Options Beyond Auto: While Elephant doesn’t underwrite homeowners or renters insurance directly, an Elephant home insurance quote is available through its trusted partners.

Although Elephant delivers solid savings and tailored auto insurance, its limited state availability and third-party handling of non-auto policies may be a drawback for some.

For drivers in eligible areas, however, it remains a compelling, cost-effective option.

Budget-Friendly Elephant Auto Insurance Rates

Starting at just $48 per month, Elephant offers budget-friendly auto insurance with flexible coverage and generous discounts. Elephant auto insurance review highlights its strengths in affordability, strong financial backing (A+ from A.M. Best), and user-friendly digital tools.

However, limited state availability and reliance on third-party partners for non-auto policies are notable drawbacks. Still, it’s a solid choice for drivers seeking customizable, low-cost coverage in eligible areas. For more tips, see our 26 hacks to save more money on car insurance.

Explore your auto insurance options by entering your ZIP code into our free comparison tool today.