Elephant Insurance is a car insurance company owned by Kindred Group

Elephant Insurance is a direct auto insurance provider that sells car, home, and renters insurance policies online and by phone. The company is owned by Kindred Group, a British insurance and gambling conglomerate, and operates primarily in the United States. Elephant does not use agents — you get quotes, buy policies, and manage claims through their website or customer service phone line.

The company markets itself as an alternative to large national insurers, positioning lower rates as its main draw. Like any auto insurer, Elephant offers the coverage types required by state law (liability, uninsured motorist) plus optional add-ons (collision, comprehensive, uninsured motorist property damage). The actual rates, coverage limits, and discounts available to you depend on your driving history, location, age, and the vehicle you're insuring.

Key Takeaways

  • Elephant Insurance sells auto, home, and renters policies directly online without agents, and is owned by Kindred Group, a London-based insurance company.
  • You can get a quote in minutes on their website or by calling their phone line, and policies typically start within days of purchase.
  • Discounts vary by state and personal situation, but commonly include bundling multiple policies, paying in full upfront, and maintaining a clean driving record.
  • Claims are filed online or by phone, and the company uses a network of repair shops and adjusters to handle damage assessment and payment.
  • Customer service is available by phone during business hours, and policy changes can be made online anytime.

How to get a quote from Elephant Insurance

Start by visiting Elephant's website or calling their phone line. You'll need basic information: your driver's license number, vehicle identification number (VIN), current insurance details if you have them, and driving history. The quote process takes about 10 to 15 minutes online, or longer if you speak with a representative by phone.

Elephant will ask which coverage types you want and what deductible you prefer. State law requires liability coverage (which pays for damage you cause to someone else's car or property), but collision and comprehensive coverage are optional — though your lender will require them if you're financing or leasing the vehicle. Once you submit your information, Elephant generates a quote showing the monthly or annual premium for each coverage combination.

The quote is typically valid for 30 to 60 days, depending on your state. If you decide to buy, you can complete the purchase online or over the phone. Most policies start within one to three business days, and Elephant will email your policy documents and proof of insurance (which you need to carry in your car).

What coverage types Elephant offers

Elephant's auto insurance includes liability coverage, which is mandatory in every state and pays for injuries or property damage you cause in an accident. You choose your liability limits — typically $25,000 to $100,000 per person and $50,000 to $300,000 per accident, depending on your state's minimum and your own preference.

Collision coverage pays to repair or replace your car if you hit another vehicle or object, minus your chosen deductible. Comprehensive coverage pays for damage from theft, weather, vandalism, or hitting an animal. Both are optional unless you're financing the car. Uninsured motorist coverage protects you if you're hit by a driver with no insurance or insufficient insurance.

Elephant also offers home and renters insurance through the same account, which may lower your overall cost if you bundle. Home policies cover the structure of your house, personal property inside, and liability if someone is injured on your property. Renters policies cover your belongings and liability, but not the building itself (your landlord's insurance covers that).

Discounts that may lower your Elephant Insurance rate

Elephant offers discounts that vary by state and your personal situation. Common discounts include bundling auto and home or renters policies, paying your annual premium in full upfront rather than monthly, maintaining a clean driving record, and completing a defensive driving course. Some states allow discounts for low annual mileage or for having safety features in your vehicle.

The company also offers usage-based discounts through a mobile app that tracks your driving habits — how fast you accelerate, how hard you brake, and when you drive. If you drive safely, you may earn a discount on your next renewal. This program is optional; you don't have to use it to get a policy.

Discounts stack, so bundling three policies plus paying in full and maintaining a good record could reduce your premium significantly. However, the exact discount amounts and which ones are available in your state depend on Elephant's current offerings and your individual situation. Always ask what discounts you may have access to for when you get a quote.

How to file a claim with Elephant Insurance

If you're in an accident or your car is damaged, you can file a claim online through your Elephant account or by calling their claims phone line. Have your policy number, the date and time of the incident, and photos of the damage ready. For accidents involving another vehicle, you'll also need the other driver's name, phone number, insurance company, and policy number.

After you report the claim, Elephant assigns an adjuster who will contact you to schedule an inspection. The adjuster examines the damage and estimates repair costs. If you use one of Elephant's network repair shops, the process is usually faster — the shop and Elephant coordinate directly. If you use your own repair shop, you may need to submit an estimate first for approval.

Once the claim is approved, Elephant pays the repair shop or you directly, depending on how you set it up. The payment covers the cost of repairs minus your deductible. If your car is totaled (the cost to repair exceeds its market value), Elephant pays the actual cash value of the vehicle minus your deductible.

How Elephant Insurance compares to other direct insurers

Elephant competes with other direct-to-consumer auto insurers like Geico, Progressive, and State Farm's online channel. All of these companies let you get quotes and buy policies without an agent. The main differences are in pricing, which varies based on your specific situation, and in customer service options — some offer 24/7 phone support, while others limit hours.

Elephant's rates are competitive for some drivers and higher for others, depending on your age, driving history, location, and vehicle. The only way to know if Elephant is cheaper for you is to get quotes from multiple companies and compare. Many people find that the lowest-cost insurer changes year to year or when they move, so shopping around at renewal time is worth the effort.

One practical difference: Elephant operates in most states but not all. If you live in a state where Elephant doesn't offer coverage, you'll need to look elsewhere. Check their website to see if they operate in your state before spending time on a quote.

What to do if you have a problem with your Elephant Insurance policy

If you have a billing question, want to change your coverage, or need to update your personal information, you can manage most of it online through your account. For more complex issues or if you prefer to speak with someone, call Elephant's customer service line during business hours. Response times vary, but the company typically answers calls within a few minutes during peak times.

If you have a complaint about your policy, rates, or claims handling, you can file a complaint with your state's insurance commissioner or department of insurance. Every state has an office that oversees insurance companies and handles consumer complaints. Your state's insurance department website will have instructions for filing and contact information.

If you're unhappy with Elephant after your policy starts, you can cancel anytime. Most states allow a grace period (usually 10 to 30 days) during which you can cancel without penalty. After that, you may owe a cancellation fee, though this varies by state. Check your policy documents or call customer service to confirm your state's rules.

Frequently Asked Questions

Does Elephant Insurance offer discounts for good drivers?

Yes. Elephant offers discounts for maintaining a clean driving record, completing defensive driving courses, and bundling multiple policies. Some states also offer discounts for low annual mileage or vehicle safety features. The exact discounts available depend on your state and situation.

Can I manage my Elephant Insurance policy online?

Yes. You can view your policy, make changes to coverage or payment methods, pay your bill, and file a claim through your online account. You can also call customer service if you prefer to handle these tasks by phone.

What states does Elephant Insurance operate in?

Elephant operates in most U.S. states but not all. Check their website or call for a quote to confirm whether they offer coverage in your state. If they don't, you'll need to get a quote from another insurer.

How long does it take to get a quote from Elephant?

Online quotes typically take 10 to 15 minutes. Phone quotes may take longer depending on how much detail you discuss with the representative. Once you buy a policy, it usually starts within one to three business days.

What happens if I need to file a claim?

Report your claim online or by phone. An adjuster will contact you to schedule an inspection of the damage. If you use Elephant's network repair shops, the process is faster. Once approved, Elephant pays for repairs minus your deductible, or pays the actual cash value if your car is totaled.