Affordable car insurance for the protection you need

Save without skimping. See how much you could save on car insurance!

Car insurance doesn’t have to be complicated.

Using our Coverage Wizard can help you decide which car insurance coverages you’ll want to carry on your auto insurance policy.

Try our Coverage Wizard
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Your car insurance is only as good as its coverage. Learn about the various protections you might need on your policy.

View available coverages

Get a quick car insurance quote today

Car insurance quotes are quick and easy with Elephant’s online quote. See your coverages and price in just a few minutes. Plus, it’s simple to finalize your insurance online.

Get a free quote today

Save money with these car insurance discounts

At Elephant, we’re always looking for ways to lower your premiums, including car insurance discounts that pack a trunkful of savings. Check out these favorites.

  • Early Bird Auto Insurance Discounts

    Early bird discount

    Get rewarded for shopping early for your car insurance! Save up to 10% when you switch to Elephant five or more days before the expiration date of your current policy. We make switching easy.

    Start saving today
  • Pay in Full Car Insurance Discount

    Pay in full discount

    Save when you pay your policy premium up front. This helps us save on payment processing costs, so we can pass those savings back to you with this discount. We love sharing.

    Learn more
  • Multi Car Insurance Quote

    Multi-car

    Is there more than one car in your herd? If so, we have a discount for that. It’s called our multi-car insurance discount and it can add up to huge savings fast.

    See how much you can save
  • Going Green Policy Discount

    Going green discounts

    Get a discount for saving trees with options like e-signature forms and paperless billing.

    See other paperless discounts
View more car insurance discounts

A few reasons to choose Elephant for your auto insurance

Our customers give us high marks. We are proud that 9 out of 10 customers renew with us each term* and that our average Google rating is 4.7 stars.

And we’re very proud to have been named a Forbes America’s Best Insurance Company 2023. Forbes partnered with Statista to survey over 15,000 U.S. customers of more than 3,300 U.S. insurance companies to create the rankings. Participants rated their insurance providers in terms of their overall satisfaction and whether they would recommend them to family and friends.

Flexible payment options and online tools. With flexible payment plans, multiple purchase options, convenient claims filing and our highly reviewed mobile app, Elephant delivers protection with convenience.

Superior claims experience. Elephant has earned a customer confidence score (Net Promoter Score) that is 32% higher than the industry average. Our claims team and repair network are there when you need them.

Start a claim Login to track a claim Claims FAQs

*89% of customers stayed with Elephant at renewal in 2022.

What Elephant offers auto insurance shoppers

Car insurance at a fair price

Find the coverage you need to protect you and your car, discounts to save money, and add-on services like realtime roadside assistance to make life easier.

Bundle insurance for more savings

For your convenience and extra savings, we offer home, renters, condo, motorcycle, off-road vehicle, and umbrella insurance.

Learn more about bundling your policies

Tools to make things simple

Manage your policy and file claims quickly and easily with our mobile app, claims photo app, online account access, and agent chat.

Learn more about our policy perks

A few words from our Herd

Recent verified customer reviews from Google and its partners.

Happy woman with glasses
Angela M.

Customer since 2013

Five Star Review

“I've been with Elephant for many years now and have had no bad experiences at all! Only great experiences and customer service!”

Confident man with glasses
Kevin D.

Customer since 2016

Five Star Review

“Your staff are exceptional! Doesn't matter whether it's an on-line chat or directly on the phone they're always courteous, helpful, and so easy to deal with.”

Smiling young professional woman
Natalie S.

Customer since 2015

Five Star Review

“Always good customer service, great rates. Best coverage for affordable insurance.”

Satisfied woman
Cathy G.

Customer since 2016

Five Star Review

“Elephant is a great affordable insurance company, it's easy to make changes online and if I have trouble the agents are very helpful!”

See more reviews

Why do you need car insurance?

Car insurance helps pay medical bills, repairs, some legal defense costs, and more, if you’re involved in a covered accident.

  • 1.

    You cause an accident

    Sometimes, accidents happen. Liability coverage helps pay for the expenses related to injury, death, or damage to property of others if you’re at fault.

  • 2.

    You accidentally damage your own car

    Repair bills can add up fast. Collision coverage helps repair your vehicle if it is damaged in an accident.

  • 3.

    A weather event damages your car

    It’s not just collisions that can cause damage to your vehicle. Comprehensive coverage helps repair your car if it is involved in a non-collision incident, including hail damage, theft, or fire.

  • 4.

    A driver without insurance hits you

    Uninsured motorist coverage can help pay for your injuries and may help repair your vehicle when the other driver is at fault and either doesn’t have insurance or doesn’t have enough insurance.

File your car insurance claim in a snap

Or at least in a few touches of your smartphone.

  • Submit claims with photos

    If you need to file a claim, you can use our app to get started right away.

  • Claims are a pain, but we can help

    Our online claims process takes all the stress out of filing, so you can get the help you need. If you need to file a claim, click here to get started.

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It’s your information—access it whenever and however you need.

You’re always in control of your coverages with our new online account access. Our customers are able to:

  • Increase or decrease coverage limit amounts

    As your needs change, adjust your coverage to match where your life is right now.

  • Manage billing

    Make sure you’re paying for your policy how and when you want. To see what else you can manage, log in to your account here.

Auto insurance coverages

Elephant’s licensed agents and online tools answer questions without the jargon.

Required car insurance coverages*

Liability insurance protects you financially if you cause an accident. Liability coverage helps pay an injured person's medical bills or for repairs to someone's vehicle. Drivers are legally required to carry liability insurance in most states.

*Other coverages may be required based on the requirements of the state in which you are insured.

Personalized car insurance coverages

Comprehensive and collision coverage Comprehensive coverage protects your car from unexpected events, such as damage caused by a falling tree or by hitting a deer, while collision coverage covers damage caused by a collision with another vehicle or object.

Uninsured/underinsured motorist coverage protects you if you are in an accident and another driver is at-fault but does not have car insurance. Underinsured motorist coverage bridges the gap if you’re in an accident and the at-fault driver’s liability limits are too low to cover the medical expenses of anyone injured.

Additional car insurance coverages and services

Learn more about additional car insurance coverages, discounts and services available.

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Feel confident in your car insurance coverage

Save without skimping on the best protection around.

Start your quote

How to get car insurance quotes

Save time getting a car insurance quote by starting with the information you will need to get the best price.

You’ll need the following:

  1. A valid driver’s license
  2. The year, make and model of your car or cars OR the vehicle identification number/s (VIN).
  3. The address where you live and where your car will be kept.

How to compare car insurance coverages and quotes

If you are comparing car insurance prices from two or more companies, make sure you select the same coverages, policy limits and deductibles for each one. Here’s what to look for in each.

Coverages: Some coverages are mandatory, like liability insurance, and some are optional. Be sure to include the same coverages on each quote.

Policy limits: Certain coverages will have minimum and maximum limits, use our coverage calculator to select the limit that provides you with the protection you need. Check that each quote uses the same policy limits.

Deductible amounts: This is the amount you agree to pay if your vehicle needs repair. Think about how much you can pay. Increasing the deductible will lower your insurance premium. Be sure to select the same deductible on each quote.

Making sure you are making an “apples-to-apples” comparison on your quotes will help you decide which car insurance company is best for you.