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

This Elephant car insurance review finds it’s a great choice for those looking to save. Affordable rates start at $37/month.

Elephant’s simple sign-up process and variety of coverage options make it a great option for drivers who want flexibility and savings.

Elephant Car Insurance Rating

It’s a good option for drivers looking for cheap car insurance, but there are some drawbacks, including limited policy options and state availability. Elephant only operates in eight states: Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, Virginia, and Wisconsin.

Drivers outside these areas will need to explore other affordable options. Enter your ZIP code to start comparing free car insurance quotes from companies in your state.

Elephant Car Insurance: Average Monthly Rates

Elephant Insurance offers affordable car insurance, but your monthly rates can vary depending on a few key factors, like your age, gender, and the level of coverage you choose (Learn More: Factors That Affect Car Insurance Rates).

For example, younger drivers typically pay more for insurance, while older drivers may see lower rates. If you opt for full coverage, expect to pay more than just having the basics. Below, you’ll see a table that shows Elephant’s average monthly rates based on these factors.

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

Another important factor impacting your rates is your driving record. Drivers with clean records typically enjoy cheap Elephant car insurance.

Drivers with a clean record get the lowest rates, averaging just $37 per month. But even a minor infraction, like a speeding ticket, can push your premium to $45. If you’ve had an accident, your monthly rate could climb to $53.

The steepest increase is due to a DUI, which raises the average monthly payment to $200. Maintaining a clean driving record can help lower the cost of insurance.

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Elephant Insurance Coverage Options

Elephant car insurance gives you plenty of options to customize your coverage based on your needs and budget. If you’re looking for basic protection or something more extensive, there are plenty of ways to build a policy that works for you. Here’s a breakdown of what’s available:

• Liability Coverage: Liability insurance covers the costs of injuries and property damage you cause to others in an accident. It is part of the minimum car insurance requirements in most states.
• Collision Coverage: Pays for repairs to your car after an accident, no matter who’s at fault.
• Comprehensive Coverage: Protects your car from non-collision incidents like theft, vandalism, or natural disasters (Read More: Collision vs. Comprehensive: What is the difference?)
• Personal Injury Protection (PIP): PIP will pay for medical bills and lost wages after an accident, providing coverage regardless of who was at fault.
• Uninsured/Underinsured Motorist Coverage: Protects if you are hit by a driver who doesn’t have enough insurance or no insurance at all.

With these options, it’s easy to build a policy that works for your budget and your needs. Liability coverage is a must to stay legal, but if you want extra peace of mind, options like collision and comprehensive can help protect your car.

Taking the time to understand these choices can pay off when finding the right balance of cost and coverage. Add-ons like PIP or uninsured/underinsured motorist coverage protection are also worth considering, especially if you want comprehensive coverage.

Elephant Car Insurance Discounts

Elephant Insurance offers several ways for drivers to save on their coverage. While they may not have as many discounts as larger companies, they still provide good options. Check out the table below to see the discounts available and how much you could save.

Elephant Car Insurance Discounts

You can save up to 46% by maintaining a clean driving record or bundling your car insurance with other policies, such as renters’ or homeowners’ insurance. Elephant also offers a discount for paying your premium in full upfront.

These discounts make Elephant a top choice for those looking for affordable insurance. However, always compare rates with other providers to ensure you get the best deal based on your driving profile.

Learn More: Best Car Insurance Discounts

Comparing Elephant Insurance Company to Top Providers

Elephant’s affordable rates are a big selling point, but how does it stack up against some of the industry’s major players? See how Elephant Insurance compares with the top 10 auto insurance providers below.

Elephant Car Insurance Monthly vs. Top Competitors by Coverage Level

The numbers above show how Elephant fares in terms of affordability. For instance, with rates starting as low as $37 per month for minimum coverage, Elephant beats big names like State Farm, Farmers, and Liberty Mutual.

Is Elephant cheaper than other companies for high-risk drivers? The table below breaks down how Elephant’s rates compare to competitors based on your driving record.

Elephant Car Insurance Monthly Rates vs. Top Competitors by Driving Record

As the table shows, Elephant delivers affordable rates regardless of whether you have a clean record, a ticket, or even an accident.

However, some companies, such as Geico and USAA, offer similarly low rates while covering a larger geographic area or providing additional benefits. Check out our review of Geico car insurance for more details.

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Elephant Car Insurance Customer Reviews

Feedback on Elephant’s claims process isn’t always consistent, as reflected in this Reddit discussion. In this case, the Redditor raised concerns about unclear deductions and how pre-existing damage impacted their payout.

This highlights a common issue with insurance claims—deductions for prior damage that may not seem relevant to the current claim. For many customers, the frustration comes not just from the deductions themselves but also from the lack of clear communication about why they’re applied and how they’re calculated.

Learn More: Car Insurance Companies With the Worst Customer Satisfaction 

Elephant Insurance Services, LLC Business Ratings

While frustrations like in the case above can be off-putting, it’s also important to consider Elephant’s broader reputation. Looking at business ratings from trusted sources can help you better understand the company’s overall performance.

Elephant Car Insurance Business Ratings & Consumer Reviews

These ratings show that while Elephant does well regarding financial stability and affordability, customer feedback is more hit-or-miss.

While Elephant might be a great option for those looking to save on premiums, it’s a good idea to carefully consider whether the potential trade-offs are worth it.

Learn More: How long does a car insurance claim take to process?

Pros and Cons of Elephant Insurance

Elephant is a popular choice for drivers looking for affordable car insurance options. Here’s what you can expect when choosing Elephant:

• Budget-Friendly Rates: If you’re looking to save on your car insurance premiums, Elephant Insurance offers some of the most affordable rates on the market.
• Quick and Easy Setup: Setting up your policy takes just a few minutes.
• Flexible Coverage Options: Elephant allows you to customize your policy.

However, Elephant Insurance falls short in some ways for many drivers, especially if you don’t live in a state where it’s offered:

• Availability is Limited: Since Elephant only operates in eight states, it’s not accessible to everyone.
• Customer Service is Hit or Miss: While some customers are happy with their experience, others have reported challenges with claims and communication.

Before you sign up, consider what matters most to you in an insurer — affordability, availability, or customer service — and decide if Elephant is the best fit for you.

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Get Affordable Car Insurance Rates with Elephant

Our Elephant car insurance review found that it’s a great fit for budget-conscious drivers, with minimum coverage rates starting at just $37/month.

While Elephant offers affordable pricing and flexible coverage options, its availability in only eight states could be a drawback for some.

Drivers who prioritize savings and an easy online sign-up process will benefit most. However, claims handling feedback has been mixed. To make sure you’re getting the best deal, take a few minutes to compare quotes from multiple car insurance providers online.

Finding the right balance of cost and coverage is key to choosing the perfect policy. Enter your ZIP code into our free comparison tool to get started now.