Elephant Insurance Review

Have you heard of Elephant insurance? We're here to break down who they are, what they offer and let you decide if they're right for you.

Elephant Insurance Review
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Elephant Insurance is a car insurance company based in Richmond, Virginia, founded in 2009. The company is a subsidiary of Admiral Group plc, a multinational insurance provider headquartered in the UK.

Elephant Insurance serves over 350,000 drivers across the United States and provides coverage in six states: Illinois, Indiana, Maryland, Tennessee, Texas, and Virginia.

The company has earned an A+ rating from the Better Business Bureau (BBB) and has resolved 71 complaints over the past three years. Customers have also given Elephant Insurance high ratings, with an overall rating of 4.2 out of 5 on sites like WalletHub, and ValuePenguin gives the company an overall score of 84 out of 100, indicating high levels of customer satisfaction.

Elephant Insurance offers a range of car insurance policies, including liability insurance, collision insurance, comprehensive insurance, and uninsured/underinsured motorist insurance which we'll show you in the corresponding section.

The company also provides additional coverage options, such as roadside assistance and rental reimbursement.

Types of Insurance Offered

Auto Insurance

  • Liability Coverage: Liability covers damages you may cause to another driver or their property. In all states this is required by law.
  • Collision Coverage: Collision covers damages to your car from collisions with other vehicles or objects.
  • Comprehensive Coverage: Comprehensive or (Comp) covers damages to your car from non-collision incidents such as theft, fire, or natural disasters.
  • Uninsured and Underinsured Motorist Coverage: UM/UIM covers damages caused by drivers who do not have insurance or do not have enough insurance to cover the costs of an accident. In some states this is required by law.
  • Rental Reimbursement Coverage: Rental reimbursement covers the cost of a rental car while your vehicle is being repaired after a covered accident.
  • Roadside Assistance Coverage: Roadside provides emergency assistance such as tire changes, jump-starts, and towing.
  • Personal Injury Protection: Personal Injury Protection or (PIP) covers medical expenses and lost wages if you or your passengers are injured in an accident. In some states this is required by law.

Homeowners Insurance

  • Homeowners Insurance: Protects your home and belongings from damage and theft.
  • Condo Insurance: This covers your personal property, liability, and damages to your condo.
  • Renters Insurance: Renters covers your personal property and liability as a renter.
  • Flood Insurance: Flood covers damages caused by floods, which are typically not covered by standard homeowners insurance policies.
  • Personal Property Insurance: PPI covers your personal belongings from damage or theft.
  • Personal Liability Insurance: Personal liability covers you in case someone is injured or their property is damaged while on your property.

Life Insurance

  • Term Life Insurance: Provides coverage for a set period of time, typically 10-30 years.
  • Whole Life Insurance: Provides coverage for the entirety of your life and often includes a savings component.
  • Umbrella Insurance: Provides additional liability coverage beyond what is covered by your other insurance policies.
  • Personal Umbrella Insurance: Provides additional liability coverage for personal liability risks.

Business Insurance

  • Business Owners Policy: Combines several types of coverage into one policy, including property, liability, and business interruption insurance.
  • Commercial Auto Insurance: Covers vehicles used for business purposes, such as company cars or delivery trucks.
  • Workers’ Compensation Insurance: Provides benefits to employees who are injured or become ill as a result of their job.
  • General Liability Insurance: Covers liability claims against your business, such as bodily injury or property damage.
  • Professional Liability Insurance: Protects against claims of negligence or professional errors and omissions.
  • Cyber Liability Insurance: Covers damages resulting from cyber attacks or data breaches.

Insurance Discounts

Elephant Insurance offers a variety of discounts to its customers, including discounts for bundling policies, safe driving, and for being a good student. Here's the full list of discounts they offer.

  • Multi-Policy Discount: Save up to 25% when you bundle your home and auto insurance. Why? Because when you bundle with companies they can make more money off of you. Same as the next one.
  • Multi-Car Discount: Save up to 27% when you insure more than one vehicle on the same policy. In some cases you can really save more, but the same thing applies. More cars == more money they can charge.
  • Safe Driver Discount: Save up to 20% if you've had no at-fault accidents or traffic violations in the past three years.  Many companies offer this as it's in their best interest to reward drivers that aren't likely to end up costing them money in claims payouts.
  • Homeowner Discount: Save up to 5% if you own your home, regardless of who your home insurance provider is. However, you better believe they want that homeowner business! It's usually worth it to package Auto + Home together. You'll save more money over separating them out in most cases.
  • Paid in Full Discount: Save up to 10% if you pay your entire policy premium upfront. We personally never recommend paying an auto policy in full (6 month premium, typically), because if you switch companies, which you can do at ANY time, you'll have to wait on a reimbursement. That being said, 10% on top of all of the other discounts is pretty tempting! If you have a quote for $200/mo, that's $20/off each month, or $240 off a full $1,200 6 month policy.
  • Good Student Discount: Save up to 12% if you have a full-time student under the age of 25 on your policy who maintains a B average or higher. Though, what you won't hear is that student will cost you quite a bit more regardless. This is typical with every single insurance company, it's not exclusive to Elephant or State Farm, .etc. When you add a child under 25 you can expect to pay more, period.
  • Military Discount: Save up to 4% if you are an active-duty or retired member of the military. In our opinion this is a great little freebie to add on.
  • Early Quote Discount: Save up to 10% if you get a quote from Elephant Insurance at least eight days before your policy starts. So, here's the deal with this, it's a smart play by Elephant, because the goal is to get you before you current policy expires. Why? Well, if your policy expires then you have what is called a "lapsed policy" and that is NOT good, so Elephant wants to make sure that you're giving enough time to transition into a new policy without any overlapping costs or worse, lapsed insurance.

Pros and Cons To Using Elephant


  • Affordable rates: Elephant Insurance offers competitive pricing for their coverage options according to many customers.
  • Variety of discounts: Elephant Insurance offers a variety of discounts that can help customers save money on their premiums (see Insurance Discounts above)
  • Coverage options: The company offers a range of coverage options across several verticals, allowing customers to tailor their insurance policies to their specific needs.
  • Online tools: Elephant Insurance offers an online quote tool and claims reporting system, making it easy for customers to get quotes and file claims quickly and conveniently.
  • Financial stability: Elephant Insurance is a subsidiary of Admiral Group, a UK-based insurance company that has been in business since 1993 and has a strong financial rating.


  • Limited availability: Elephant Insurance is only available in 6 states, which means that customers in other states cannot take advantage of their coverage options. This isn't necessarily a "con", since it proves there's value for those that are in the coverage states.
  • Customer service: According to customer reviews on BBB.org, some customers have reported difficulties with customer service, including long wait times on the phone and slow response times to claims.
  • Mixed customer ratings: Elephant Insurance has mixed customer ratings, with some customers reporting positive experiences and others reporting negative experiences, very similar to most insurance companies, really. It's nice to see that BBB has given them an A+ rating.
  • No agents: Elephant Insurance does not have agents or local offices, which may be a drawback for customers who prefer to have face-to-face interactions with their insurance providers.

What’s It Like To Work At Elephant Insurance?

Elephant Insurance has an overall rating of 3.8 stars out of 5 on Glassdoor, with 75% of employees recommending the company to a friend and 69% approving of the CEO.

However, there are mixed reviews regarding salaries and training and the information below is based on employee or ex-employee Glassdoor reviews, not facts, so keep that in mind.

Potential Pros To Working At Elephant:

  • Great benefits and work environment
  • Great atmosphere and culture
  • Work from home flexibility
  • Management is open to suggestions
  • Relaxed casual dress code post-COVID
  • Good PTO benefits
  • Diversity in the workplace
  • Employees friendly and willing to collaborate

Potential Cons To Working At Elephant:

  • Some claim low pay
  • Inconsistent claim handling
  • Salaries among employees may not be competitive
  • Training is fast and not thorough enough
  • Some employees have unclear role and position changes without announcement
  • Some departments have small team size with less opportunity to learn from other colleagues
  • Turnover rate can be high in some departments

Actual Employee Reviews

"I worked at Elephant Insurance for a little over a year and a half. During that time, I found the culture to be friendly and fun. Everyone is willing to help and encourage one another. However, the pay is not great. It's certainly livable, but not something that you'll be raving about."

"If you're someone who's looking for a claims processing job, Elephant Insurance is a great place to work. However, you have to be willing to put up with some inconsistencies in how claims are handled, and the management roles change frequently. Also, some employees are paid significantly more than others, and you may not know when your role or position changes."

"I've been working at Elephant Insurance for over three years now, and one thing that's always impressed me is the emphasis on work-life balance. There are some great teams that work here, and everyone is given the opportunity to work from home. However, the salaries are not competitive, and there's a lot of inconsistency in how claims are handled."

Elephant Insurance Commercials