Kailey Hagen has been writing about small businesses and finance for almost 10 years, with her work appearing on USA Today, CNN Money, Fox Business, and MSN Money. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.
Our Insurance Expert
Fact Checked Eric McWhinnieEric McWhinnie has been writing and editing digital content since 2010. He specializes in personal finance and investing. He also holds a bachelor’s degree in Finance.
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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.
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Elephant could be worth considering for drivers interested in unique savings opportunities and flexible policies. Its rates are pretty reasonable for a lot of drivers, but the high number of complaints the company has suggests its customer service could use improvement. It also has a limited service area for now, so many drivers won't be able to apply for an Elephant policy even if they want to.
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.
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.
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 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.
