Elephant Auto Insurance Review

Heavy elephant driving pink convertible car
Getty Images/John Lund/Stephanie Roeser

Company Overview

When most people think of an elephant, they automatically think “big and strong.” The same thing could be said of Elephant Auto Insurance, a subsidiary company of the Admiral Group, the third largest auto insurer in the UK with operations across Europe and the United States although its U.S. insurance offerings are currently limited to the states of Illinois, Maryland, Texas and Virginia.

This is the company's mission as listed on the homepage of its website, "Mission: auto insurance savings! There’s no disguising it — More care. Less cost. Fast reliable service, lifetime guarantee on repairs, great customer service. Get a quote and discover the Elephant auto insurance difference today."

Elephant Auto Insurance offers auto, homeowners, renters, life, motorcycle, ATV and condo insurance. The homeowners policies are underwritten through a partner company, Homesite while motorcycle policies are underwritten through Markel, a company specializing in motorcycle insurance. Life insurance quotes are offered through AccuQuote, which represents several top-rated life insurance companies including Mutual of Omaha, Transamerica, Prudential, Protective, FidelityLife, Genworth, AIG, Lincoln Financial Group and more.

Elephant Insurance lives up to its name in others ways such as supporting the international Born Free Foundation, a wildlife charity; and Tusk, a charity promoting the preservation of African wildlife and endangered species.

A fun little fact — Elephant Insurance refers to its leadership team as “the herd.”

Financial Stability, Customer Service and Recognitions

The parent company of Elephant Insurance, Admiral Group, is rated “A+” Superior rating by A.M. Best insurance rating organization. Other company awards and recognitions include:

  • 2014 Stevie Award bronze medal for sales and customer service
  • 2011 Achievers 50 Most Engaged Workplaces Award
  • 2011 Best places to work in Virginia
  • 2010 Employer All Star Award by the Society of Human Resource Management Association's Richmond chapter, the Greater Richmond Chamber and the Richmond Times-Dispatch.
  • 2010 Finalist Young Professionals Workplace Award

Better Business Bureau Rating

Elephant Insurance has an “A+” rating from the Better Business Bureau. It has been an accredited BBB company since 2015. The file for Elephant Insurance was opened with the Better Business Bureau in 2009, which is also its date of incorporation. Elephant Insurance has a composite BBB score of 3.83 out of 5 stars. There are a total of 36 customer reviews with 4 positive customer reviews and 32 negative reviews. Over a three-year time span, there were 166 complaints closed within the last three years and 80 of those complaints were closed during the last 12 months. A breakdown of the 166 complaints follows: advertising/sales issues-4 closed complaints; billing/collection issues-49 closed complaints; guarantee/warranty issues-1 closed complaint and problems with product/service-112 closed complaints.

Insurance Products

Elephant Auto Insurance offers insurance in four U.S. states: Illinois, Maryland, Texas and Virginia.

Although known for its auto insurance, the company also offers other personal and life insurance products underwritten through partner companies.

  • Auto Insurance
  • Homeowners Insurance
  • Renters Insurance
  • Life Insurance
  • Motorcycle Insurance
  • ATV Insurance
  • Condo Insurance

Policy Benefits

There are many good things Elephant Insurance offers to its policy holders including:

  • 24/7 Claims Service online or by telephone
  • The ability to purchase a 12-month policy
  • Online access to manage policies 24/7
  • Fast quotes online within minutes

Discounts

Elephant Auto Insurance has a wide array of discounts to help you save money on your insurance premium up to 40 percent including:

  • 12 percent discount for quoting online
  • Multiple policy discount
  • Good student discount
  • Paid in full discount
  • Electronic signature discount
  • Responsible driver discount
  • Paperless discount

Pros and Cons

While Elephant Insurance may not be the cheapest insurance around, it is also not the highest. The company does offer an above average amount of discounts that can end up saving you 40 percent on your insurance premium. Backed by the financial strength of its parent company, the Admiral Group, you can rely on the stability of the company and its ability to pay claims. Many customers will appreciate the ability to buy a policy with a one-year term as a large number of insurance companies only offer six-month insurance policies. A definite downside is that the coverage is only available in four U.S. states, although there has been talk of Elephant Insurance expanding its U.S. coverage territory.

Contact Information

If you are a U.S. resident of Illinois, Maryland, Texas or Virginia; you can visit the Elephant Auto Insurance website to learn more about the company’s insurance offerings or to receive a quote. You can also call 1-855-ELEPHANT or email general questions to customerservice@elephant.com.