Elephant Auto Insurance Review

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

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 six states).

Key Takeaways

  • Elephant Insurance works with reputable partners and has a history of award recognition, including an A+ from the Better Business Bureau.
  • Elephant offers policies for home, auto, renters, life, motorcycle, ATV, and condo.
  • Policyholders enjoy perks such as 24/7 customer service, roadside assistance, and multiple discounts programs.
  • Currently, Elephant Insurance only operates in a few states, and prices are not cheap, but the company aims to become more competitive.

Company History and Culture

Elephant Insurance was founded in 2009 and is headquartered in Richmond, Virginia. Elephant Insurance is a Financial Times Stock Exchange (FTSE) 100 company. The company's mission is 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." On June 30, 2018, Elephant Insurance achieved the milestone of insuring 200,000 vehicles.

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, Lincoln National, Sagicor, FidelityLife, Genworth, AIG, and more.

Elephant Insurance lives up to its name in other 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.”

The CEO of Elephant Insurance is Alberto Schiavon. Some of the key members of Elephant Insurance's "herd" include: Jason Baham, CFO; Colleen Benzin, Director of Product & Underwriting; and Felipe Herrera, Director of Marketing.

Financial Stability, Customer Service, and Recognitions

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

  • 2017-2020 Great Place to Work 25 World’s Best Workplaces
  • 2016 Responsible Business Awards, Wellbeing At Work
  • 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 1.23 out of 5 stars based on 31 customer 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 complaints 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.

Policy Benefits

There are many good things Elephant Insurance offers to its policyholders, 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

Roadside Assistance

Another benefit Elephant Insurance auto customers can take advantage of is its Roadside Assistance Program. The Roadside Assistance product is administered by Urgent.ly, a veteran in Roadside Assistance programs. You can be protected against breakdowns and have access to the following roadside assistance services through Elephant Insurance's Roadside Assistance Program: towing, battery jump, vehicle lock-out service, flat tire change, and emergency fuel delivery.


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

  • 12% 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 not the most expensive. The company does offer an above-average amount of discounts that can end up saving you 40% 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.

One definite downside is that the coverage is only available in a few U.S. states, although Elephant Insurance may be expanding its U.S. coverage territory at some point.

Contact Information

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 855-ELEPHANT or email general questions to customerservice@elephant.com.