Elephant Auto Insurance is an auto insurance company focused on the U.S. market, known for offering a digital-first car insurance experience, with an emphasis on online quotes and policy purchases, app- and website-based management tools, and flexible coverage options.
Founded in 2009 as part of the international Admiral Group (currently owned by private investors), Elephant aims to simplify the process of choosing a policy, managing coverage, and protecting vehicles.
Key Features
Elephant Auto Insurance offers both mandatory basic coverages (such as liability insurance) and a wide range of optional coverages that allow drivers to customize their auto protection based on individual needs. Available coverages include:
- Liability: Covers damages you cause to others.
- Collision and Comprehensive: Protect your vehicle against accidents and other events, such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist: Protects you if you are involved in an accident with a driver who has no insurance or insufficient coverage.
- Medical Payments / Personal Injury Protection: Covers medical expenses after an accident.
In addition, Elephant offers optional add-on coverages (typically available for an extra cost):
- Diminishing Deductible: Reduces your deductible over time if you remain accident-free.
- GAP Insurance: Covers the difference between the insurer’s payout and the remaining balance on your vehicle loan in the event of a total loss.
- Rental Reimbursement: Covers the cost of a rental car while your vehicle is being repaired.
- Real-time Roadside Assistance: Roadside help with tracking and services such as towing.
- Pet injury coverage: Covers veterinary expenses if your pet is injured in a car accident.
- Legal coverage: May cover attorney fees in certain legal situations.
All available coverages and discounts, such as multi-car discounts, paid-in-full discounts, and early bird discounts, can be reviewed when requesting an online quote.
Main Advantages
One of the biggest advantages of Elephant Auto Insurance is policy customization. Drivers can build coverage with the add-ons they want, rather than being limited to rigid, pre-packaged insurance plans. This makes Elephant more flexible than some insurers that offer less customizable coverage options.
Another strong point is its focus on technology and digital experience. Quoting, purchasing, and managing policies, including filing claims, can be done almost entirely online, using tools designed to simplify the process.
Many customers report finding competitive insurance premiums after switching to Elephant, often paying less than with their previous insurer. Feedback on platforms such as Trustpilot suggests that many users find the quoting and purchasing process simple and accessible.
Who Is It For?
Elephant Auto Insurance may be a good fit for drivers who:
- Want to build a customized policy with optional coverages tailored to their driving profile.
- Prefer shopping for insurance online and value a streamlined digital process.
- Are looking for multiple discounts (such as multi-car, early bird, and paid-in-full) to reduce overall costs.
- Want insurance options with specific benefits (for example, pet injury coverage, diminishing deductible, or GAP insurance).
How to Apply
The application process with Elephant is relatively straightforward:
- Visit the Elephant website or app and request a free quote by entering vehicle, driver, and driving history information.
- Review the available coverage options and add-ons (such as GAP insurance or diminishing deductible).
- Customize the policy according to your budget and needs.
- Complete the purchase online by providing the required information and selecting a payment method.
- After confirmation, policy documents and your insurance card are made available, and everything can be managed digitally.
Is It Worth It?
Elephant Auto Insurance can be worth considering for drivers who want a flexible policy and value customizable coverage options combined with a strong digital experience, especially if pricing is competitive in their area.
Insurance comparison sites and many customers highlight that Elephant’s rates can be attractive compared to competitors, and that the online quote process is fast.
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All information in this and other US PIXIN articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
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