Elephant Auto Insurance Review in 2024 (Rates & Discounts Listed Here)

Elephant auto insurance review highlights that the company offers a range of coverage options, making it a standout choice. It’s particularly attractive for those seeking value combined with reliable service.

Elephant’s comprehensive policies cover various types of auto insurance, including liability, collision, and more, tailored to diverse needs. The coverage starts at just $97, offering affordability for basic insurance requirements.

Elephant Auto Insurance Rating

Rating Criteria
Overall Score	3.6
Business Reviews	3.5
Claim Processing	3.3
Company Reputation	4
Coverage Availability	2.5
Coverage Value	4
Customer Satisfaction	3.8
Digital Experience	3.5
Discounts Available	0
Insurance Cost	4.4
Plan Personalization	4
Policy Options	5
Savings Potential	2.9

As a top pick for affordability and coverage flexibility, car insurance elephant continues to impress with its robust offerings and customer satisfaction focus. If you’re searching for the best SR22 insurance, Elephant might also be a company to consider.

Begin comparing car insurance quotes elephant from Elephant auto insurance by entering your ZIP code above to get a car insurance quote elephant.

Driving Records and State Variance: Elephant Auto Insurance Rates

As mentioned earlier, the primary determinant for Elephant auto insurance rates is a clean driving record. Drivers with few or no infractions typically enjoy lower rates with Elephant. To understand what you might expect to pay with a clean slate, reference the rates outlined below.

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

Conversely, any violations on your driving record can lead to increased premiums. Delivery receipt of any infractions can result in significant increases in rates. To understand how auto insurance companies check driving records and assess the impact on your rates. consider the specifics detailed in the following table.

Moreover, rates for Elephant auto insurance can differ considerably across different states, largely due to varying state insurance regulations and average costs. For instance, insurance costs in states with higher accident rates or more expensive claims could be greater, affecting overall premiums with Elephant.

What You Should Know About Elephant Auto Insurance

Elephant has an A+ (superior) financial strength rating with A.M. Best and an A+ rating with the Better Business Bureau. Unfortunately, the company has its fair share of customer complaints concerning claims handling. If you need to reach them, the Elephant auto insurance claims phone number is provided below.

Most Elephant insurance reviews discuss the company’s higher-than-average rates and low customer satisfaction, though some Elephant claims reviews note the company’s helpful customer service representatives. For example, contact elephant insurance via their customer service phone number.

If you’re considering a policy with Elephant, learn how to get fast and free Elephant auto insurance quotes. Shop around after receiving a car insurance quote elephant to see what other companies have to offer.

Elephant Insurance Company Contact Information

Embarking on the journey of insurance inquiries and updates can seem daunting. To ease your path, we’ve compiled essential contact information for Elephant auto insurance, ensuring you can swiftly navigate their services from customer support to claims management.

• Elephant Auto Insurance Company Address: P.O. Box 5205 Glen Allen, VA 23058-5205
• Elephant Auto Customer Service: Elephant auto insurance Phone Number: 1-855-Elephant (1-855-354-7868)
• Elephant Car Insurance Phone Number: Claims Department Phone Number: 1-877-321-2096
• Elephant Auto Roadside Assistance: Elephant Insurance Roadside Assistance Phone Number: 1-877-321-9910

With this comprehensive contact information readily available, navigating interactions with Elephant auto insurance is simple and stress-free. Whether you’re exploring how to file an auto insurance claim, seeking roadside assistance, or managing your policy, these contact options for Elephant car insurance guarantee that assistance is just a phone call or click away.

Elephant Auto Insurance Coverage Options

Services offered by Elephant insurance include various types of insurance coverage. Elephant offers the standard full coverage types you’d expect most insurance providers to have, including:

Elephant Auto Insurance Coverage Options

While some companies stop here, cheap car insurance Elephant provides additional coverage options to policyholders, such as:

• Roadside Assistance: Elephant roadside assistance covers towing and other necessities.
• Rental Reimbursement: This coverage pays for rental cars if you need one after an accident.
• Upgraded Accident Forgiveness: Elephant offers accident forgiveness to policyholders after three years, but you can purchase this add-on immediately with your new policy.
• Loan/Lease Payoff: Loan/lease payoff will pay up to 25% of the remaining balance if your vehicle gets totaled in an accident.
• Non-Owner Coverage: This add-on covers you if you borrow someone else’s car and get in an accident.

Not only does Elephant offer policies required by many states, but it also allows drivers to customize their policies with add-on coverages to get a cheap car insurance from Elephant auto insurance.

Also keep in mind that you can only purchase Elephant car insurance in Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. If car insurance from Elephant isn’t what you need, check out their other services. Elephant car insurance company stands as a prominent player in the insurance industry, known for its reliable coverage and customer-centric approach.

With an impressive A.M. Best rating, Elephant insurance assures policyholders of its financial stability and commitment to service excellence. Offering modern convenience, the Elephant insurance app empowers users with easy access to policy management and assistance on the go. In the event of unforeseen circumstances, the Elephant insurance claims process is streamlined, ensuring prompt resolution and customer satisfaction.

Prospective clients can gain insights into the company’s performance and customer satisfaction through the Elephant insurance company reviews that are available. Elephant’s full coverage insurance is offered in eight U.S. states. You may want to consider the company or companies like Elephant if you’re searching for auto insurance.

It provides standard coverage, additional options, and many discount opportunities. Still, rates with Elephant are often higher than average, and the company has a fair number of complaints concerning how it handles claims.

Elephant Auto Insurance Pros and Cons

There are multiple pros to choosing Elephant auto insurance as your provider. Some of the key benefits include:

• Competitive Rates: Elephant offers rates starting at $130 per month, making it an affordable option for many drivers looking for quality insurance without breaking the bank.
• Comprehensive Coverage: From standard liability to full coverage auto insurance defined options, Elephant provides a broad array of insurance products, allowing for a high degree of policy customization.
• Discount Opportunities: Elephant offers several discount opportunities that can reduce premiums by up to 25%, making it financially appealing for qualifying customers.

However, there are also cons to consider when choosing Elephant auto insurance:

• Limited Availability: Elephant insurance services are only available in a select few states, which might be inconvenient for those living outside of its service areas.
• Customer Service Concerns: Some customers have expressed dissatisfaction with the claims handling and customer service, which could impact overall satisfaction.

Evaluating these pros and cons can help determine if Elephant auto insurance meets your specific needs and expectations as a driver.

Elephant Auto Insurance Rates Breakdown

An insightful look into how to lower your auto insurance rates reveals that premiums vary depending on a host of factors. Young drivers typically encounter higher rates reflecting their increased risk, whereas more mature drivers enjoy lower premiums due to their experience on the road.

Infractions such as accidents or speeding tickets can significantly bump up rates, emphasizing the importance of maintaining a clean driving record. The analysis also shows that rates can differ widely by state, influenced by local laws and average claim amounts, which Elephant auto insurance and Elephant breakdown cover take into account to tailor their pricing strategies effectively.

Elephant Rates Based on Age

Elephant teen driver rates, which are around 35% higher than the national average at $630.08 annually for girls and $675.25 for boys, illustrate the significant impact of auto insurance rates by age. This table includes rates for teen drivers based on gender from the top insurance companies.

Teen Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender

Insurance Company	Age: 16 Female	Age: 16 Male	Age: 18 Female	Age: 18 Male
	$608	$638	$448	$519
	$452	$456	$333	$371
	$778	$742	$573	$603
	$298	$312	$220	$254
	$716	$778	$528	$633
	$411	$476	$303	$387
	$801	$814	$591	$662
	$311	$349	$229	$284
	$709	$897	$523	$729

As you navigate the complexities of auto insurance rates by age, this comparison should help you make an informed decision, especially for teen drivers.

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— AutoInsurance.org (@AutoInsurance) June 7, 2024

With a clear view of how different providers stack up, you can choose the insurance company that best meets your needs and budget.

Elephant Auto Insurance Rates for Adult and Senior Drivers

For adult drivers, Elephant rates are still higher than average. For females, the premium is around $1,842 annually, while for men, it’s about $1,836. While senior drivers can expect to pay around $300 to $400 more annually for coverage with Elephant. The table below shows the national average for senior drivers.

Senior Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender

Insurance Company	Age: 55 Male	Age: 55 Female	Age: 60 Male	Age: 60 Female	Age: 65 Male	Age: 65 Female
	$152	$153	$154	$150	$157	$158
	$92	$92	$89	$86	$95	$95
	$131	$132	$128	$120	$136	$136
	$76	$76	$74	$73	$78	$78
	$165	$162	$159	$148	$170	$167
	$109	$107	$104	$99	$112	$111
	$100	$106	$95	$92	$103	$109
	$82	$82	$76	$76	$84	$84
	$107	$109	$103	$101	$109	$112
	$94	$93	$90	$89	$97	$96

Elephant insurance may work for you, especially if you’re looking for auto insurance for seniors, but it’s good to compare rates with other companies before making any commitments.

Elephant Rates With a Speeding Ticket

You can expect higher-than-average car insurance rates if you have one or more speeding tickets on your driving record. You can compare the top insurance companies’ rates after a speeding ticket below.

Full Coverage Auto Insurance Monthly Rates by Provider: One Ticket vs. Clean Record

Insurance Company	One Ticket	Clean Record
	$108	$86
	$188	$160
	$136	$117
	$105	$87
	$119	$97
	$58	$70
	$173	$139
	$106	$80
	$212	$174
	$137	$115
	$140	$105
	$96	$86
	$277	$232
	$136	$112
	$134	$99
U.S. Average	$147	$119

With Elephant, rates are almost $500 higher than the national average and nearly $1,000 more annually than rates with State Farm, highlighting the need to explore auto insurance companies that don’t penalize for speeding tickets.

Elephant Auto Insurance Post-Accident Rates Analysis

After an accident, Elephant’s insurance rates increase to nearly 30% above the national average, presenting a significant surge compared to other leading insurance companies. Here’s a comparative look at monthly full coverage rates for drivers with one accident versus those with a clean record across various insurers:

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

Insurance Company	Clean Record	One Accident
	$180	$220
	$166	$225
	$116	$176
	$119	$97
	$140	$198
	$95	$132
	$177	$234
	$140	$161
	$120	$186
	$105	$150
	$175	$230
	$160	$200
U.S. Average	$123	$172

Elephant’s rates for drivers with an at-fault accident or more on their record are nearly double USAA’s rates. Elephant’s elevated rates post-accident underline the financial impact of driving mishaps on insurance premiums.

Elephant Car Insurance After a DUI

If you have a DUI on your record, you’ll definitely pay more for insurance. You could even have a hard time finding a company willing to offer you coverage, but we’ve put together a list of the top insurance companies that do offer DUI insurance.

DUI Full Coverage Auto Insurance Monthly Rates vs. Clean Record by Provider

Insurance Company	Clean Record	One DUI
	$86	$240
	$160	$225
	$117	$176
	$97	$166
	$139	$198
	$80	$132
	$174	$234
	$115	$161
	$105	$186
	$86	$202
	$112	$250
	$99	$239
U.S. Average	$119	$173

Elephant’s rates for people with a DUI, as DUI defined impacts insurance costs, are only around 2% higher than the national average at about $2,652 annually.

Elephant Rates for People With Poor Credit

If you have a low credit score, you could pay around 7% more for insurance with Elephant than the national average.

Full Coverage Auto Insurance Monthly Rates by Provider & Credit Score

Insurance Company	Good Credit	Fair Credit	Bad Credit
	$135	$165	$245
	$166	$197	$296
	$116	$136	$203
	$95	$115	$175
	$140	$161	$269
	$82	$100	$148
	$177	$226	$355
	$120	$133	$166
	$109	$138	$206
	$91	$118	$200
	$120	$155	$230
	$107	$128	$194
U.S. Average	$123	$148	$226

While 7% may not sound like a lot, understanding how credit scores affect auto insurance rates shows that it equates to hundreds of dollars annually you could save with another company.

Elephant Auto Insurance: A Closer Look at Minimum Coverage Costs

Elephant’s rates for minimum car insurance coverage is around $1,782 annually. With the national average around $1,463, Elephant’s rates are almost 22% higher. Let’s compare this to the top insurance companies.

Liability Auto Insurance Rates by Provider

Insurance Company	Monthly Rates
	$61
	$44
	$37
	$53
	$30
	$67
	$44
	$39
	$33
	$38
	$22
U.S. Average	$45

Elephant’s minimum coverage rates are nearly $700 more per year than rates for similar coverage with Geico.

Elephant Auto Insurance: Analyzing the Cost of Full Coverage

A full coverage policy with Elephant costs around $2,059 per year. Take a look at the table below for rates for full coverage insurance with the top companies in the country.

Full vs. Minimum Coverage Monthly Insurance Rates by Provider

Insurance Company	Rates
	$160
	$117
	$87
	$97
	$87
	$80
	$174
	$115
	$105
	$86
	$99
	$59
U.S. Average	$119

Elephant’s full coverage rates are 27% higher than the national average and nearly $800 more than Geico’s full coverage auto insurance rates.

Elephant Insurance Discounts Available

Elephant Insurance provides a variety of discounts that can help policyholders reduce their premiums. Among these are several key auto insurance discounts to ask for:

List of Elephant Auto Insurance Discounts

Engaging with an Elephant representative could enable you to save up to 25% on your auto insurance coverage. It’s worth discussing your eligibility for any of these discounts to capitalize on potential savings.

If you’re looking to cut costs on your auto insurance, make sure to inquire about these discounts. A conversation with an Elephant agent can help you identify which discounts you qualify for and how much you could save. Make your insurance more affordable by leveraging the discounts Elephant offers.

Smart Savings With Elephant

Explore the range of discounts Elephant Auto Insurance offers to help you reduce your insurance costs effectively, including how to save money by bundling insurance policies:

Elephant Auto Insurance Discounts by Savings Potential

By tapping into these discounts, you can significantly lower your Elephant Auto Insurance premiums. From students to homeowners, these reductions cater to a wide range of drivers. Discuss these opportunities with an Elephant representative to ensure you’re getting the best possible rate.

Snapshot of Elephant Auto Insurance Ratings

Elephant Auto Insurance garners strong financial reliability with A+ ratings from both the Better Business Bureau and A.M. Best, yet shows room for improvement in customer service with a 3.0/5 from J.D. Power and a higher than average complaint index of 2.27 from NAIC.

Elephant Business Ratings

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

These ratings highlight Elephant’s strong financial foundation and areas for customer service improvement, assisting prospective customers in making well-informed choices among the best auto insurance companies for their coverage requirements.

Deciphering the Value of Elephant Auto Insurance

Elephant insurance, like many auto insurance companies, offers competitive rates and flexible coverage options, highlighted by discounts and customizable policy features. However, its mixed reviews on customer service and claims handling are notable.

Comparing Elephant with top-rated insurers could help ensure the best fit for your needs. If Elephant’s offerings align well with your requirements and budget, it might be a viable option. Still, it’s prudent to engage in comprehensive comparison shopping to secure the most favorable deal.

Stop overpaying for auto insurance. Enter your ZIP code below to find out if you can get a better deal.