Elephant Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Trusted Choice's Elephant Insurance Score
3 Stars
We award Elephant Insurance a final rating of 3 out of 5 stars. While the carrier is fairly new to the insurance industry, its parent company has been around for much longer and is a leading insurer. The carrier’s official website provides many convenient services, such as requesting quotes, filing claims, checking claims status, and more.
Elephant does lose some points for not offering 24/7 claims reporting via phone and not offering coverage in every state. However, where coverage is offered, it’s reportedly at a much more affordable rate than other carriers in the area. A very high rating from the BBB is certainly noteworthy and respectable too, though the carrier has not been rated by AM Best for its financial strength.
Our final recommendation is that if you’re located in any of the states where Elephant offers coverage and are in need of one of their products, ask your independent insurance agent to help you review this carrier as one of your options for trusted coverage.
Elephant Insurance Company Pros and Cons:
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What Type of Insurance Does Elephant Offer?
Elephant Insurance offers a variety of coverage solutions to individuals. Their products include:
- Homeowners insurance
- Renters insurance
- Condo insurance
- Car insurance
- Motorcycle insurance
- Life insurance (term)
- Umbrella insurance
If you’re in the market for any of the coverage options above, Elephant Insurance may just be the right carrier to meet your needs.
What to Know about Elephant
What is Elephant Insurance? A younger insurance carrier, Elephant Insurance was founded in 2009, giving it just over a decade of experience in the insurance industry. While Elephant is a relatively new and smaller insurance company with fewer than 1,000 employees, it is a subsidiary of Admiral Group plc, one of the UK’s leading insurers and an FTSE 100 company.
Elephant Insurance currently only offers coverage in seven states: Virginia, Maryland, Illinois, Texas, Indiana, Ohio, and Tennessee. Despite its small size, Elephant has been praised for offering affordable coverage rates and a generous number of discounts. The carrier reportedly draws $56.35 million in annual revenue.
Thanks to its well-known parent company and impressive financial strength, Elephant has become known as a trustworthy and reputable insurance carrier. The carrier caters to individuals in the eastern, midwestern, and southern regions of the US. Offering several types of coverage makes Elephant an attractive option to many kinds of insurance customers in areas where their products are available.
What Discounts Does Elephant Offer?
Elephant offers a generous amount of competitive discounts on their coverages, especially for car insurance. Their discounts include:
- Good student discount: This is offered to car insurance customers who are students who maintain a grade average of a “B” or higher.
- Responsible driver discount: This is offered to car insurance customers who have a clean, accident-free record for the past five years.
- Multi-car discount: This is offered to car insurance customers who insure more than one vehicle through Elephant.
- Paid-in-full discount: This is offered to car insurance customers who pay their premiums in full, up front, rather than opting for monthly payments.
- Online quotes discount: This is offered to car insurance customers who start their relationship with Elephant Insurance by requesting a quote online.
An independent insurance agent can help you find even more discounts and ways to save with Elephant Insurance, as well as provide you with quotes and help answering any other questions you may have.
Elephant Insurance Customer Service
Elephant Insurance allows customers to file claims online or over the phone. The carrier also provides the following customer service options:
- Live chat with an agent online
- Snail mail claims reporting
- Fax claims reporting
- Email claims reporting
- Customer service hotline has the following hour restrictions:
| Hours (EST) | |||
| Monday-Friday | 9 am - 9 pm | ||
| Saturday | 9 am - 8 pm | ||
| Sunday | 10 am - 6:30 pm |
Phone number for Elephant Insurance: 844-937-5353
Another way to handle your customer service needs is to work with an independent insurance agent. These agents can help make customer service easier for you by handling claims and other concerns.
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Elephant Insurance Customer Reviews
These Elephant Insurance reviews were compiled from various resources across the web for your convenience. Many customers search the web first when comparing prospective carriers on their coverage journeys. Check out the following reviews for mentions of customer Elephant home insurance reviews, Elephant insurance claims reviews, Elephant car insurance reviews, Elephant Insurance roadside assistance reviews, Elephant auto insurance reviews, Elephant renters insurance reviews, Elephant insurance reviews by the BBB, and more.
| Better Business Bureau |
“They are a thieves! On the October 3rd, I moved one of the drivers and instead of reimbursing me for the remaining 27 days , they said that their guideline does not allow that.” -10/6/22 |
| Better Business Bureau |
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“Paid a grand to pay off my insurance for a year, swapped out my car to add a different car i bought and added a car i bought (much older car) and they charged 900 dollars. turns out they double charged me for a car i had already paid off for the year they have over a grand for me and have not contacted me and are ignoring my calls” -7/21/22 |
| Yelp |
“Customer service is EXCEPTIONAL! They always respond in a timely manner, very personable yet professional!” -4/11/22 |
| Clearsurance |
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“As being a loyal client for 3 years and paying high premium for full coverage, I am not happy with their claims department . They run scheme and almost never follow up regarding the case status. Be wary of their claim agents as they work for their own best interest, to even the extent of buying a car, to take advantage of your policy, when there was a minor scratch on a bumper of Prius that had been in extensive collision previously, then considering it as total loss, in order to make you pay higher premium for next year as well as effecting your DL drastically for the next 3 years.” -7/20/21 |
| Clearsurance |
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“Elephant Auto Insurance has been an efficient, and customer-friendly company. They always answered my questions and address my concerns." -1/7/21 |
Elephant Insurance FAQs
Elephant Insurance allows customers to file claims through several methods, including online. If a customer chooses to report a claim online, Elephant promises that a claims specialist will follow up with them within one business day.
Elephant Insurance offers separate hotlines for claims reporting and general customer service inquiries. Both of these departments are available to be contacted at generous hours, every day of the week. Claims can technically be reported 24/7 through the website or via fax or email. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, making them more accessible to customers.
Elephant Insurance allows customers to file claims via phone, fax, email, snail mail, or through the website. Elephant Insurance claims can be reported in as little as 15-20 minutes, according to the official website. A claims representative is then assigned to the case. They'll contact the customer to get more information about the claim and possibly conduct a further investigation. For auto claims, Elephant offers customers options for repair shops. The carrier states that different claims take more or less time to resolve, but that claims reps will keep customers updated every step of the way. Customers can also check the status of existing claims themselves through the website.
Elephant Insurance’s website is highly intuitive and easy to navigate and is certainly among the better websites compared to many insurance carriers today. Important information can be located fairly easily, and the website is detailed enough to satisfy customer inquiries. The claims process is detailed nicely, and a generous FAQ is provided to help answer common customer questions as well. The official website provides many of the service options that insurance customers have come to expect, such as requesting quotes, filing claims, checking claims status, and more. The carrier is also active on social media. Overall, Elephant Insurance succeeds in providing a user-friendly experience for its customers.
To obtain an Elephant Insurance quote or find coverage, get in touch with an independent insurance agent. They'll be able to help you find Elephant Insurance coverage near you, and even apply for a policy. Customers can also obtain quotes or apply for coverage online or by calling the carrier at the number listed above.
Though Elephant Insurance full coverage is not offered in every state, they do have a high rating with the BBB and reportedly great coverage rates. Also, while the insurance company itself is younger, its parent company has plenty of experience within the industry. Combined with a high rating from the BBB, it could be said that Elephant Insurance is a good carrier.
https://fnol.elephant.com/
https://www.bbb.org/us/va/henrico/profile/property-insurance/elephant-insurance-services-llc-0603-63394765
https://clearsurance.com/insurance-reviews/elephant-auto-insurance-58f10db3bf9e0671899487d6
https://www.yelp.com/biz/elephant-insurance-henrico