Elephant Auto Insurance Review (2022)

Elephant Auto Insurance Rates

In many instances, Elephant car insurance rates are well above the national average for coverage.

<iframe title=”Average Annual Auto Insurance Rates by State” aria-label=”Map” id=”datawrapper-chart-9wkuj” src=”https://datawrapper.dwcdn.net/9wkuj/2/” scrolling=”no” frameborder=”0″ style=”border: none;” width=”600″ height=”620″></iframe>

Elephant Rates Based on Age

Elephant teen driver rates are around 35% higher than the national average at $7,561 annually for girls and $8,103 for boys. This table includes rates for teen drivers based on gender from the top insurance companies.

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.

Elephant insurance may work for you, 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.

With Elephant, rates are almost $500 higher than the national average and nearly $1,000 more annually than rates with State Farm.

Elephant Rates After an Accident

Rates for drivers involved in an accident are nearly 30% higher with Elephant than the national average. See rates from the top insurance companies below.

Elephant’s rates for drivers with one or more accidents on their record are nearly double USAA’s rates.

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.

Elephant’s rates for people with a DUI 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. 

While 7% may not sound like a lot, that equates to hundreds of dollars annually you could save with another company.

How much is minimum coverage with Elephant?

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. 

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

How much is full coverage with Elephant?

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.

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

Elephant Auto Insurance Discounts Available

Elephant offers policyholders several discount options, including:

• Multi-policy
• Online quote
• Paid-in-full
• Paperless
• E-signature
• Multi-car
• Good driver
• Good student
• Homeowner
• Work from home

Discounts could help you save up to 25% on your auto insurance coverage, so speak with an Elephant representative if you believe you may qualify for one or more of the discounts listed above.

Elephant Auto Insurance Coverage Options

Elephant offers the standard coverage types you’d expect most insurance providers to have, including:

• Liability
• Property damage liability
• Medical payments
• Uninsured/underinsured motorists
• Personal injury protection
• Collision
• Comprehensive

While some companies stop here, Elephant offers 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.
• Custom parts and equipment. A custom parts and equipment policy covers upgrades or other vehicle modifications if your car gets damaged.
• Diminishing deductible. Your deductible will lower each year you drive without getting in an accident.
• Non-owner coverage. This add-on covers you if you borrow someone else’s car and get in an accident.
• Pet injury insurance. This policy pays up to $1,000 in covered veterinary bills and expenses.
• Legal coverage. Legal coverage helps with discounts and other ways to pay for legal services you may need if you’re involved in an accident.

Not only does Elephant offer policies required by many states, but it also allows drivers to customize their policy with add-on coverages.

Also keep in mind that you can only purchase Elephant insurance in Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.

Methodology

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.

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.

If you’re considering a policy with Elephant, shop around after receiving Elephant car insurance quotes to see what other companies have to offer.