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EnglishWhat Is Elephant Insurance?
Updated
Elephant Insurance is a car and home insurance company that sells policies directly to consumers online. It's worth a closer look if you're shopping for auto coverage and want to compare quotes, bundle home or motorcycle insurance, or check whether its advertised discounts apply to you. The company markets itself on customizable coverage, a set of auto insurance discounts, and digital tools for managing policies and claims.
What Elephant Insurance offers
The company's product lineup centers on personal auto insurance, with additional lines available for bundling:
- Car insurance — customized policies with liability, collision, comprehensive, and full coverage options
- Home insurance — available to bundle with auto for savings
- Motorcycle insurance — also part of the bundling options
- Umbrella insurance — additional liability coverage, offered alongside the other products
The site emphasizes finding "the right coverage at the right price," with a quote flow that lets you start online and pick up a previous quote later.
Tools for managing your policy
Elephant provides a mobile app and online account access for policy and claims management. If you prefer handling insurance details yourself rather than calling an agent, these tools are the main way you'd interact with the company after purchase.
Discounts that can lower your premium
Elephant lists several auto insurance discounts on its site. The specific ones it highlights:
| Discount | What it requires |
|---|---|
| Early bird | Start your policy at least 5 days before your current policy renews (up to 10% off) |
| Pay in full | Pay premiums up front instead of in installments |
| Multi-car | Insure more than one vehicle in your household |
| Going green | Choose e-signature and paperless billing |
| Claims free | Go a period without an accident |
| Online quote | Set up your insurance plan online |
The company says it offers a full list of car insurance discounts beyond these. Whether any given discount applies depends on your situation — for example, the early bird discount only helps if you're switching from another insurer and can time the start date.
Recognition and customer retention claims
Elephant advertises several third-party recognitions and performance figures on its homepage:
- Named to the Forbes list of "America's Best Insurance Companies 2027," powered by Statista
- Named a recipient of "America's Best Customer Service in Financial Services 2026" by USA Today
- Rated "Excellent" on Trustpilot
- States that 9 out of 10 customers renew, with 90% staying at renewal between October and December 2024
- Claims average savings of up to $829 for drivers who switch, based on a survey of new customers between May 2025 and June 2026
These are the company's own figures and marketing claims. The savings number in particular is an average from a specific survey window, so your own quote could come out higher or lower.
Who this is for
Elephant Insurance is aimed at drivers who want to quote and buy auto coverage online, and who may want to bundle home, motorcycle, or umbrella policies for a discount. If you're comfortable managing a policy through an app or web account and want to see whether the listed discounts reduce your premium, getting a quote is the direct way to find out what you'd actually pay.