Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
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At a glance
Bankrate's take
Policyholders with less-common auto insurance needs, such as non-owner insurance or policies for leased vehicles, may benefit from getting a quote from Elephant. However, the company’s service area is limited.
Those who want to manage their insurance policies and claims online. They may appreciate the perks Elephant offers, including e-signature, online quotes and work-from-home discounts.
Those outside of the company's range. Elephant coverage is only available in eight states, and contact options funnel to the company’s website. For policyholders who prefer customer service by phone or in person, another company may provide easier access.
Mailing address: P.O. Box 5205, Glen Allen, VA 23058
State availability: Elephant insurance is available in Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas and Virginia.
Answer a few questions to see personalized rates from top carriers
Elephant car insurance
According to Bankrate’s analysis, drivers who are seeking less-common types of add-on car insurance coverage may find Elephant to be a good choice. Elephant was founded in 2009 and began as strictly an auto insurance company. It offers the standard suite of car insurance policy staples but also has an array of add-on options to consider. Among those options is non-owner car insurance for drivers who don't have their own vehicle and custom parts and equipment coverage for custom or modified cars. However, Elephant only writes auto insurance policies in eight states.
Pros and cons of Elephant car insurance
Like most products, Elephant’s car insurance has upsides and downsides. We explore a few below:
Pros
Advertises a multitude of potential discount opportunities
Allows bundling of Elephant auto insurance with some non-Elephant insurance products
Offers several less-common auto insurance add-on options
Cons
Availability limited to eight states
Unusually high level of complaints with the National Association of Insurance Commissioners (NAIC)
Elephant car insurance cost
Average premiums for Elephant auto insurance are not available. The current national average cost of car insurance is $2,685 per year for full coverage and $800 per year for minimum coverage. Comparing quotes from multiple insurers can help ensure you purchase your policy at a competitive rate.
It’s important to remember, though, that rates vary based on a number of personal rating factors, such as your ZIP code, the make and model of your vehicle, driving history and even your age (in most states). As such, it may be helpful to get a personalized quote to learn what your costs may be.
Elephant car insurance discounts
Many of the best car insurance companies offer discounts to help you significantly lower your car insurance premium. Elephant advertises that drivers can save up to 40 percent on their car insurance by taking advantage of its long list of discounts, many of which may not be found with other car insurance carriers. This could make Elephant a competitively cheap insurance company for some drivers.
Discount opportunities include:
You may earn a discount if you refer a friend or family member to the company and they purchase a policy from Elephant.
Asking for your quote via the company's website may earn you some savings on your premium cost.
Those who work from home and thus drive less may earn a policy discount.
When drivers pay their entire year of premiums up front, they may receive a discount.
E-signing saves the company time and money and could therefore earn you a discount.
Shopping before your insurance renewal date? This discount rewards proactive customers who switch carriers to Elephant ahead of schedule.
If you own your home, you may qualify for a homeowner’s discount on your car insurance policy with Elephant.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Elephant
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Elephant home insurance
Elephant offers standard homeowners insurance coverage through its partner company Lemonade, including personal property coverage, liability and medical payments coverage. Similar to Elephant’s auto policies, endorsements are available to customize coverage through Lemonade. These options include swimming pool coverage, water backup coverage, equipment breakdown coverage and valuable items coverage for luxury items like furs and jewelry. Extended replacement cost coverage is also available for the dwelling itself.
Pros and cons of Elephant home insurance
There are several pros and cons of Elephant homeowners insurance for prospective customers to consider:
Pros
Numerous potential discounts on offer
A range of add-on options are available
Cons
Not available in every state
Does not write its own homeowners policies
Elephant home insurance cost
Average premiums for a Lemonade homeowners policy are not available, although the company’s website states policies can start as low as $25 per month. The best way to find out how much you can expect to pay is to compare quotes from multiple companies.
For comparison purposes, the current national average annual premium for $300,000 in dwelling coverage is $2,267. However, your rate may vary due to factors like where you live, how big your house is and whether any renovations or updates have been completed. Keep in mind that depending on your coverage needs, the cheapest insurance will not always provide the best financial protection.
Elephant home insurance discounts
While Elephant does not underwrite its own home insurance policies, it does offer multiple discounts for drivers with existing car insurance with Elephant. Although Lemonade does not list available home insurance discounts on its website, the company notes you may get a discount if you install protective devices like sprinklers and smoke detectors, or if you check for discounts on the mobile app.
If your roof is less than 10 years old or you plan to build a new roof in the near future, this discount could be added to your policy
If you recently purchased a new home, you could be eligible for this discount.
This discount could be added if your home is a new construction or was recently built.
This discount may be available to customers who are retirees or above a certain age.
This discount rewards customers who install alarm systems or other security features.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Elephant
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Elephant life insurance
Similar to its homeowners insurance, Elephant does not underwrite its own life insurance. Instead, Elephant life insurance is offered through its partner company Ladder. The only available option is term life insurance, which may be a draw to those who want a cost-effective method of protecting their loved ones. Perks of Ladder life insurance through Elephant include a quick online application with no required medical exam and a potential bundling discount.
Pros and cons of Elephant life insurance
Customers looking to bundle their insurance coverage and add term life to a variety of other policies may find convenience in purchasing Ladder coverage through Elephant. While life insurance is limited to term policies only, the convenience factor and potential bundling discount could make this a solid option.
Pros
Offers term life policies
Does not require a medical exam
Coverage decision available in minutes
Cons
Only offers one type of life insurance policy
Does not underwrite its own life insurance policies
Elephant life insurance endorsements
Many of the best life insurance policies offer numerous coverage options to personalize the policy. While Elephant does not indicate which specific endorsements are available, it does state that policyholders can choose from different coverage limits and payment plans.
Compare life insurance providers quickly and easily
See which provider is right for you.
22-24
25-34
35-44
45-54
55-59
60+
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
0-75,000
75,000-125,000
125,000-250,000
250,000-500,000
500,000-1,000,000
1,000,000+
Please select Coverage amount
Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
Term 5 Years
Term 10 Years
Term 20 Years
Term 30 Years
Whole Life
Final Expense
Not Sure
Please select Policy type
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This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser.
This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Finding the right insurance can be tricky and depends on several personal variables. That's one reason why it's often helpful to shop around between multiple insurers when looking for a policy. Below are some possible alternatives to Elephant when considering insurance.
Elephant vs. Metromile
While Elephant offers discounts for low-mileage drivers, like its work-from-home discount, some companies specialize in low-mileage car insurance. Metromile is one such company, and it could be a good choice for drivers who want auto coverage but drive minimally and want to see that reflected in their rates.
Elephant vs. Progressive
Elephant offers a robust suite of auto insurance options, including add-on coverage options, but it does not have an app to make things more convenient for its customers. Progressive is one of the larger insurance companies, and it offers auto, home and life insurance. Progressive also has a free app and other digital tools. People who prioritize digital tools and apps and are looking for these types of insurance policies may prefer Progressive over Elephant.
Customers can get auto, home and life insurance through Elephant, but home and life policies (as well as some specialized types of auto) are underwritten by partner companies. Farmers offers these types of policies in-house while maintaining several discount and customization options. Those who want to purchase all their insurance policies from one company and like customization options for home and auto may prefer Farmers to Elephant.
Elephant insurance may be a good option for the right customers. The company offers auto, home and life insurance products, although some of these policies are underwritten by partner companies. Auto policies come with several add-on options that may be hard to find at some other companies, and Elephant offers several potential discounts.
Still, Elephant insurance products are only available in eight states, and Elephant car insurance reviews are mixed — the company has received a relatively high number of NAIC complaints. Customers who are in the service region, qualify for discounts and don't mind the rate of NAIC complaints may find Elephant to be a good company.
Elephant customer satisfaction
Third-party rating companies, such as J.D. Power and AM Best, review insurance companies and analyze specific factors like customer claims satisfaction and financial strength. These ratings can help prospective customers determine which company is best for them. Another helpful metric is the relative number of complaints filed with the NAIC.
2024 J.D. Power Digital Experience Study - Shopping
Not scored
516/1,000
AM Best rating
A+ (Superior)
N/A
Study or Rating agency
Elephant
Industry average
Elephant auto claims satisfaction
J.D. Power doesn’t include Elephant in its ratings. However, it is worth noting that Elephant’s financial strength is lauded by AM Best, indicated by its A+ rating.
Elephant auto complaints
The NAIC assigns complaint index scores independently for each insurance coverage type (private passenger, homeowner, individual life, etc.). Complaint indexes vary within companies depending on the product being ranked and its correlating customer service.
Elephant has an NAIC complaint index above the industry baseline. Its most recent NAIC complaint index is 1.55. Companies with ratios over the baseline of 1.00 have a higher number of complaints, while those under this number have fewer.
To judge a company’s complaint record, the NAIC tracks complaints and compares the rates to a national average. 1.00 is considered the baseline. Companies with a rating over 1.00 have a higher number of complaints for a company of its size. Elephant’s private passenger complaint index for the most recent year is 1.55 — more than industry average.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.96 to 1.55.
End of interactive chart.
Other Elephant tools and benefits
Elephant offers other types of insurance in addition to auto, home and life insurance. These include:
Motorcycle insurance: If you own a motorcycle, Elephant can provide coverage through its partner company, Dairyland.
Roadside assistance: You can digitally track your service provider when you use the company's roadside assistance service, which offers towing, battery jumps and more. Assistance is available 24/7.
ATV and off-road vehicle insurance: If you own an off-road vehicle, such as an ATV, golf cart or other recreational vehicle, Elephant can provide coverage.
Renters insurance:Renters can purchase insurance to help financially safeguard their belongings while they live in a rental property.
Condo insurance: Elephant offers insurance for condominium owners through its partner company Lemonade. These policies are designed to cover the unit’s interior.
Umbrella insurance: For those who feel safest with extra coverage, umbrella policies are available to cover property owners, people with pets or those with significant assets they’d like to insure.
Legal resources: For a small monthly fee, policyholders can access attorney services at a discount. This includes assistance for such services as family law (e.g., divorces, adoptions, etc.), wills and trusts, real estate and even 100 percent coverage for an attorney fee related to one traffic violation per year.
Pet injury coverage: Enjoy pet injury coverage included with your collision policy. Your dog or cat will be covered up to $1,000 if injured in an auto accident.
Frequently asked questions about Elephant
Filing a claim with Elephant is similar to the process for filing with other insurance carriers. You may open a claim through their online portal 24/7 or by phone at 1-877-218-7865 during business hours. Or, you may utilize email or snail mail, if you prefer. You can track the status of your claim online, as well.
Elephant Insurance has been a paperless company from the start and participates in several corporate sustainability initiatives, including a partnership with Adopt a Highway and sponsorship of Project Yellow Light, a nonprofit that advocates against texting and driving. The company also participates in regular local outreach events in its home city of Richmond, Virginia.
Elephant may be the right choice for some individuals. It has a broad range of products and an extensive list of discounts, so it may be worth considering for those who are trying to save money on their policies. Its limited availability means that it will not be a good choice for those outside of its service range, and the relatively high customer service complaint numbers with the NAIC may give some customers reason to pause. If you are looking for a full-service company with potentially low rates, however, you may want to ask Elephant for a quote.
Elephant insurance is not owned by Allstate. Elephant is a subsidiary of the Admiral Group, one of the U.K.'s leading insurers. It was founded in 2009 and has its headquarters in Richmond, Virginia.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
