{"id":323966,"date":"2025-11-11T15:22:40","date_gmt":"2025-11-11T20:22:40","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=163147"},"modified":"2025-11-11T15:22:40","modified_gmt":"2025-11-11T20:22:40","slug":"elephant-insurance-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/elephant-insurance-review\/","title":{"rendered":"Elephant Insurance Auto Insurance Review"},"content":{"rendered":" <\/span>\n \n\n\n

Elephant Insurance Auto Insurance Review<\/h2>\n\n\n\n

Elephant Insurance has been selling auto insurance in the U.S. since 2009<\/a> as a subsidiary of the FTSE 100-listed Admiral Group Plc<\/a> (Financial Times Stock Exchange (FTSE) 100<\/a>). As of 2025, Elephant\u2019s footprint is focused on six states \u2014 Georgia<\/a>, Maryland<\/a>, Ohio<\/a>, Tennessee<\/a>, Texas<\/a>, and Virginia<\/a> \u2014 and it promotes a Diminishing Deductible<\/a> add\u2011on and optional 12-month coverage terms<\/a>.<\/p>\n\n\n\n

Coverage area note: Elephant\u2019s consumer-facing footprint has narrowed since 2020; archived versions of its site show it actively served Illinois and Indiana at that time, which are no longer listed among current sales states (archived Illinois page<\/a>; archived Indiana page<\/a>).<\/p>\n\n\n\n

Financial strength context: As of 2025, Elephant Insurance Company does not have a published insurer financial strength rating from A.M. Best, Moody\u2019s, S&P Global Ratings, or Fitch; and Elephant is not included in J.D. Power\u2019s latest U.S. Auto Insurance rankings (J.D. Power 2024 U.S. Auto Insurance Study<\/a>). Admiral Group\u2019s core insurance operations are rated A+ with a Stable outlook by S&P, per the group\u2019s investor materials (Admiral Group \u2013 Credit ratings<\/a>). Earlier third\u2011party coverage such as A+ from Fitch Ratings<\/a> pertains to group\u2011level context and should not be interpreted as a standalone U.S. rating for Elephant.<\/p>\n\n\n\n

Bottom line up front: Elephant offers competitive conveniences for a regional carrier (24\/7 digital claims intake with status tracking and optional 12\u2011month terms). However, because the company is unrated by the major agencies and absent from J.D. Power\u2019s published rankings, shoppers should also review regulator-validated complaints via the NAIC\u2019s Consumer Information Source and recent activity on the Better Business Bureau<\/a> before deciding. See NAIC CIS<\/a> and the NAIC\u2019s Complaint Index overview<\/a> for how complaint levels are benchmarked.<\/p>\n\n\n\n

The Claim<\/h3>\n\n\n\n

Elephant Insurance markets itself as \u201cbig, strong, built to last,\u201d and \u201ckind\u201d and \u201ccaring,\u201d suggesting it looks out for its \u201cherd.\u201d<\/p>\n\n\n\n

Is it true?<\/h3>\n\n\n\n

Partly. Elephant is a focused regional carrier rather than a national giant, with active sales in six states today. Its service area has contracted compared with 2020 (see archived Illinois<\/a> and Indiana<\/a> pages). The company does not carry a standalone A.M. Best\/Moody\u2019s\/S&P\/Fitch insurer financial strength rating, and it is not ranked in J.D. Power\u2019s latest U.S. Auto Insurance Study<\/a>. For consumer experience, use the NAIC\u2019s rate\u2011adjusted Complaint Index<\/a> and the BBB profile<\/a> (complaints closed in last 12 months\/3 years) to assess recent patterns. Admiral Group\u2019s strong balance sheet and S&P A+ (Stable) for core operations (source<\/a>) provide parent\u2011level support but are not Elephant\u2011specific ratings.<\/p>\n\n\n\n

On \u201ckind and caring,\u201d Elephant provides 24\/7 online claims intake, documentation upload, and status tracking, which aligns with current digital expectations. That said, complaint experience varies by market and time period. Because NAIC indices are normalized by market share (1.0 = expected level), values materially above 1.0 indicate more complaints than expected; consult NAIC CIS<\/a> for the latest Elephant auto index and compare it with competitors you\u2019re considering.<\/p>\n\n\n <\/span>\n \n\n\n

Product Overview<\/h2>\n\n\n\n