Elephant Auto Insurance Review: Rare Add-Ons and Plenty of Driver Discounts

Elephant auto insurance will catch the eye of drivers looking for flexible policies with plenty of customization options. Its rates are pretty reasonable as well, thanks in part to its strong array of driver discounts. Read our full Elephant auto insurance review to learn more.

Elephant car insurance premiums tend to be competitive, at least at first. Customer reviews on Trustpilot and the Better Business Bureau websites indicate its premiums were among the cheapest drivers could find. However, some customers have complained about substantial rate hikes when it comes time for policy renewal. It's worth noting, though, that some rate increases are typical for all insurers, even if the driver maintains a clean record.

Elephant offers more car insurance discounts than many of its competitors, and a lot of them are pretty easy to achieve. As long as drivers are comfortable purchasing a policy online, they should be able to nab several of the discounts listed below. The company also stands out for its unique work-from-home discount, which few other car insurance companies offer.

• Automatic payment
• Claims-free
• E-signature
• Early bird
• Good student
• Homeowner
• Multi-car
• Multi-policy
• Online quote
• Paperless
• Pay in full
• Student away at school
• Work from home

Policy types

• Car
• Motorcycle
• Off-road vehicle

Elephant doesn't insure as many types of vehicles as some of its competitors, but this could change over time. The company is still pretty young and it may expand its services in the future to include some of its missing offerings, like boat and RV insurance.

Coverage types

• At-home mechanic services
• Bodily injury liability
• Collision
• Comprehensive
• Custom parts
• Diminishing deductible
• Legal coverage
• Loan/lease payoff
• Medical payments
• Non-owner car insurance
• Personal injury protection (PIP)
• Pet injury
• Property damage liability
• Rental reimbursement
• Roadside assistance
• Uninsured motorist
• Underinsured motorist
• Upgraded accident forgiveness

Elephant offers all the essentials drivers need to protect their vehicles as well as some extras that set it apart from many of its competitors. Custom parts coverage, pet injury coverage, and diminishing deductibles are pretty rare in the industry, and while accident forgiveness is common, few insurers offer it to drivers immediately upon signup like Elephant.

Elephant's customer service ratings have been mixed to date. It has an A+ rating with the Better Business Bureau and there are many glowing reviews online. But the company also has an unusually high complaint ratio with the National Association of Insurance Commissioners (NAIC).

This suggests that it's received far more complaints than is typical for an insurer of its size.

It hasn't featured in large-scale customer satisfaction surveys, like those done by J.D. Power, so the complaint ratio is one of the only ways to compare its customer service to other auto insurance providers right now.

• Elephant homeowners insurance
• Elephant renters insurance
• Elephant condo insurance
• Elephant life insurance
• Elephant umbrella insurance

Elephant doesn't offer as many types of policies as its largest competitors, but it's still a viable option for those hoping to bundle home and auto insurance in one place.

When looking for coverage in all 50 states: Geico is known for its affordable rates and it offers coverage in all 50 states. It's also noted for its above-average customer support. However, it lacks some of the extras that Elephant offers, like its legal assistance service.

When looking for excellent customer service: State Farm is one of the largest auto insurers in the nation, and this is thanks in large part to its excellent customer service. However, it doesn't offer as many discounts as Elephant.

Elephant car insurance is a good fit for:

• Drivers who are comfortable purchasing and managing their policy online
• Those seeking unique coverage options
• Students and remote workers looking to score special savings

But Geico is a great option for those seeking affordable rates in all 50 states and State Farm is a strong contender for those who put a premium on customer service.

At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.