--- title: "Elephant Insurance Review [Updated 2026]" description: "Elephant Insurance Company, or \"The Elephant\" is direct to consumer auto insurance company that operates in Texas, Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, and Virginia." canonical: "https://www.coveragecat.com/reviews/elephant-insurance" last-updated: "2026-08-13" --- # Elephant Insurance Review [Updated 2026] 1. [Introduction to Elephant Insurance](#introduction) 2. [What Kinds of Insurance Does Elephant Offer?](#kindsofinsurance) 3. [How Does Elephant Insurance Work?](#howdoesitwork) 4. [Pros and Cons of Elephant Insurance](#proscons) 5. [Ratings and Customer Feedback for Elephant Insurance](#ratings) 6. [Get Customer Support Or File A Claim For Elephant Insurance](#customersupport) 7. [Frequently Asked Questions](#faq) ### Introduction to Elephant Insurance [Elephant Insurance Company](https://www.elephant.com/elephant-insurance-info-page) (Elephant) was founded in 2009 as a subsidiary of The Admiral Group plc, a FTSE 100 insurance company based in the U.K. On January 1, 2026, [Admiral Group completed the sale of Elephant to J.C. Flowers & Co.](https://www.insurancejournal.com/news/national/2026/01/06/853215.htm), a global private equity firm focused on financial services. Elephant provides auto insurance in Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. It operates primarily as a direct-to-consumer company and gives a discount to consumers who buy policies online. Consumers who prefer to buy through an agent may call Elephant or work with one of its licensed brokers. According to [FinTech Wales](https://fintechwales.org/news/admiral-group-completes-sale-of-us-subsidiary-elephant-insurance-to-j-c-flowers-co/), Elephant served approximately 140,000 customers by the end of 2024 and turned around from a £19.6 million loss in 2023 to a £14 million profit in 2024. The company maintains a [90% customer retention rate at renewal](https://www.elephant.com/products/car-insurance), which means most policyholders choose to stay with Elephant when their policies come up for renewal. Elephant claims to make it easier to understand insurance and coverage through products such as their [Coverage Wizard](https://www.elephant.com/wizard/), a tool that identifies customer insurance needs through just a few questions. Elephant also offers discounts if a client has a good driving record, works from home, or insures multiple cars. ### What Kinds of Insurance Does Elephant Offer? Elephant sells personal auto insurance as its primary product. Elephant insurance agents may also offer quotes for other products through insurance partnerships including [Dairyland motorcycle insurance](https://www.elephant.com/products/motorcycle-insurance); [Lemonade homeowners, condo, and renters insurance](https://www.elephant.com/products/homeowners-insurance); [RLI for personal liability insurance](https://www.coveragecat.com/reviews/rli-insurance); and [recreational vehicle and watercraft insurance](https://www.elephant.com/products/recreational-vehicle-and-watercraft-insurance). [Elephant auto](https://www.elephant.com/wizard/) coverage can include bodily injury, property damage, comprehensive and collision, medical payments, and underinsured/uninsured motorists, although not all coverage is available in all states. According to [U.S. News & World Report](https://www.usnews.com/insurance/auto/elephant-car-insurance-review), less common coverage options include pet injury coverage up to $1,000 in vet bills and custom equipment coverage for customized vehicles. [Add-on coverage options](https://www.elephant.com/products/car-insurance/coverages#add-on) include real time road assistance, rental reimbursement, parts and equipment coverage, claim forgiveness, and diminishing deductibles. According to [Elephant's blog](https://www.elephant.com/blog/the-value-of-adding-roadside-assistance-to-your-insurance), roadside assistance costs $3–$5 per month. | Coverage Type | Availability | Add-On Cost (Annual) | |---------------|--------------|----------------------| | Liability (Bodily Injury & Property Damage) | All states | Standard | | Comprehensive & Collision | All states | Varies by vehicle | | Uninsured/Underinsured Motorist | All states | Standard | | Medical Payments | All states | Standard | | Roadside Assistance | All states | ~$35 | | Rental Reimbursement | All states | ~$35 | | Pet Injury Coverage | Select states | Included (up to $1,000) | | Custom Equipment Coverage | Select states | Varies | | Claim Forgiveness | Select states | Varies | ### Does Elephant Sell Auto Insurance? Yes, Elephant Insurance sells auto insurance. It is their primary product and is offered in Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. [Elephant offers auto quotes directly through their website](https://quotes.elephant.com/) or through licensed brokers, such as [Coverage Cat](https://www.coveragecat.com/). ### Does Elephant Sell Homeowners Insurance? Yes, [Elephant sells homeowners, condo, and renters insurance through a partnership with Lemonade](https://www.elephant.com/products/homeowners-insurance). These policies are underwritten by Lemonade, not Elephant directly. ### Does Elephant Sell Liability Insurance? Yes, Elephant sells liability insurance. Elephant's auto insurance policies include bodily injury liability and property damage liability, and their homeowners, condo, and renters policies through Lemonade can also offer limited personal liability coverage. Elephant also offers [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance), or excess personal liability insurance for high net worth individuals through a partnership with [RLI](https://www.coveragecat.com/reviews/rli-insurance). These quotes, however, are only available by calling an Elephant agent and may require purchasing an Elephant auto policy. High net worth individuals, policyholders who have inexperienced drivers on their insurance, people who frequently host parties, or individuals at high risk of lawsuits may decide to purchase umbrella insurance as coverage typically starts at $1 million. ### How Does Elephant Insurance Work? To purchase Elephant Insurance directly, customers can [create an online quote](https://quotes.elephant.com/retrieve-quote/) or call 1-877-321-2096 to speak with an insurance agent. Elephant policies are also sold through licensed brokers, such as [Coverage Cat](https://www.coveragecat.com/). Filing a claim and requesting roadside assistance can be done [online](https://account.elephant.com/) or from the Elephant Insurance mobile app. According to the [company's claims page](https://www.elephant.com/customers/claims), claims can be filed 24/7 using their online claims tool, while phone claims are available Monday-Friday 8:00AM-7:00PM ET for new claims and Monday-Friday 8:00AM-5:00PM ET for existing claims support. ## Pros and Cons of Elephant Insurance

Pros

Cons

## Ratings and Customer Feedback for Elephant Insurance Elephant Insurance reviews and Elephant insurance ratings come from multiple sources. The [Better Business Bureau gives Elephant an A+ rating](https://www.bbb.org/us/va/richmond/profile/auto-insurance/elephant-insurance-services-llc-0603-63394765), though the BBB profile documents recent complaints involving claims processing disputes and billing issues. Admiral Group, Elephant's former parent company, holds an A+ rating from AM Best, which applies to Admiral and not to Elephant directly [(AM Best, "Admiral Group A+ Rating", 2024)](https://www.ambest.com/creditratingreport.aspx?CompanyID=ADM). | Rating Source | Score | Notes | |--------------|-------|-------| | Trustpilot | 4.5/5 stars | Over 1,200 reviews; rated "Excellent" | | Better Business Bureau | A+ | Recent complaints about claims and billing | | NAIC Complaint Index (Private Passenger Auto) | 0.94 | Better than expected (1.00 is average) | | Customer Retention Rate | 90% | High renewal rate from October-December 2024 | | USA TODAY Customer Service Award | 2026 | America's Best Customer Service in Financial Services | [Trustpilot reviewers](https://www.trustpilot.com/review/elephant.com) highlight competitive pricing and a straightforward online quote process as major positives. Some customers complain about billing problems and rate increases at renewal. The company responds to complaints on the BBB platform with explanations and contact information. Elephant earned [Great Place to Work Certification consecutively from 2017-2025](https://www.elephant.com/elephant-insurance-info-page) and has been named a Richmond Top Workplace for most years between 2010 and 2025. These workplace awards suggest internal company culture supports employee satisfaction, which can translate to better customer service. ### Get Customer Support Or File A Claim For Elephant Insurance Elephant Insurance offers customer support through multiple channels. Policyholders can file claims 24/7 through the [online claims portal](https://account.elephant.com/) or the Elephant Insurance mobile app. For phone support, new claims can be filed Monday-Friday 8:00AM-7:00PM ET, and existing claims support is available Monday-Friday 8:00AM-5:00PM ET. The mobile app allows policyholders to view ID cards offline, manage billing and payments, make policy changes, and file claims. Elephant also provides access to its Elephant Approved Repair Service program, which connects customers with pre-qualified repair shops nationwide at no additional cost. For general inquiries, customers can call 1-877-321-2096 or visit the [contact page](https://www.elephant.com/contact/other-contact) on Elephant's website. ### Frequently Asked Questions **Should I Buy Elephant Insurance?** If you live in Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, or Virginia, Elephant Insurance could be a good option. However, it's best to compare quotes from other insurers to decide if Elephant is best for you. According to [U.S. News & World Report](https://www.usnews.com/insurance/auto/elephant-car-insurance-review), Elephant insurance discounts can save up to 40% on premiums, which makes comparison shopping worthwhile. To get a variety of insurance quotes from different carriers, including smaller carriers like Elephant, you can work with a licensed [insurance broker like Coverage Cat](https://www.coveragecat.com/). **Is Elephant Insurance a Real Insurance Company?** Yes, Elephant is a real insurance company. Founded in 2009, it was a part of [Admiral Group](https://www.admiralgroup.co.uk/who-we-are/about-us), a FTSE 100 company and one of the leading insurers in the United Kingdom. As of January 1, 2026, [Elephant is now owned by J.C. Flowers & Co.](https://www.insurancejournal.com/news/national/2026/01/06/853215.htm), a global private equity firm dedicated to financial services. **How Does Elephant Make Money?** Elephant makes money by collecting the premiums paid by its policyholders, investing the cash from the premiums, and trying to lower expenses such as claims and operating costs. [FinTech Wales reports](https://fintechwales.org/news/admiral-group-completes-sale-of-us-subsidiary-elephant-insurance-to-j-c-flowers-co/) that Elephant turned around from a £19.6 million loss in 2023 to a £14 million profit in 2024, showing improved financial performance. **Is Elephant Insurance Worth the Price?** The only way to know for sure whether Elephant is right for you is to compare its quote and coverage options with other insurers'. Customer retention data shows that [90% of Elephant customers renew their policies](https://www.elephant.com/products/car-insurance), which suggests many policyholders find value in staying with the company. [Coverage Cat](https://www.coveragecat.com/) can help you find the best possible offers and make it easy to buy the best possible policy. **What Are Common Elephant Insurance Complaints?** Common Elephant insurance complaints involve billing issues, rate increases at renewal, and claims processing disputes. [Miller & Zois notes](https://www.millerandzois.com/car-accidents/insurance-claims-settlements/elephant-insurance/) that Elephant receives more complaints filed with state regulators than the average insurer of its size. However, the company's NAIC complaint index for private passenger auto insurance (0.94) is better than the national expected average, and [Trustpilot reviews](https://www.trustpilot.com/review/elephant.com) remain largely positive overall. **Is Elephant Good Insurance for High-Risk Drivers?** Elephant Insurance focuses on direct-to-consumer auto insurance for standard and preferred risk drivers. The company does not specifically market to high-risk drivers. If you have a poor driving record, multiple accidents, or DUI convictions, you may want to compare quotes from carriers that specialize in non-standard auto insurance alongside your Elephant quote.