Elephant Insurance vs Root Insurance — Which Is Better for You?
Wondering whether Elephant Insurance or Root Insurance is the right fit? We compare coverage, rates, financial strength, and more to help you decide.
Compare Both Carriers' RatesAt a Glance
Elephant Insurance
Affordable direct-to-consumer auto insurance with bundling savings.
- ✓Multi-car households
- ✓Bundling discounts
- ✓Digital-first customers
- ✓Budget-conscious drivers
Root Insurance
Usage-based auto insurance powered by telematics and data science.
- ✓Safe drivers
- ✓Tech-savvy customers
- ✓Young drivers with good habits
- ✓Usage-based pricing fans
Key Highlights
Why Choose Elephant Insurance
- •Strong multi-car and multi-policy discounts
- •Bundled home and renters coverage available
- •Part of the global Admiral Group
- •Direct-to-consumer online convenience
Why Choose Root Insurance
- •Usage-based pricing rewards safe driving
- •Fully digital, app-first experience
- •Tech-forward approach for younger drivers
- •Can save significantly for safe drivers
Which Should You Choose?
Both Elephant Insurance and Root Insurance are solid choices, but the right one depends on your situation. Elephant Insurance is best known for multi-car households, while Root Insurance stands out for safe drivers.
In terms of financial strength, Elephant Insurance holds an AM Best rating of A- compared to Root Insurance's B++. Elephant Insurance offers 3 products while Root Insurance offers 2, so Elephant Insurance has a broader coverage lineup.
The best way to decide? Compare personalized quotes from both. Rates can vary dramatically based on your specific profile — your driving record, location, age, and coverage needs all affect pricing. Truvo makes it easy to compare quotes from Elephant Insurance, Root Insurance, and 40+ other carriers in minutes.
Frequently Asked Questions
Rates vary based on your driving record, location, age, and coverage needs. Elephant Insurance and Root Insurance use different rating factors, so one may be significantly cheaper for your profile. The best way to find out is to compare personalized quotes from both through Truvo.
Elephant Insurance offers Auto, Home, Renters coverage, while Root Insurance offers Auto, Renters. The "better" coverage depends on what you need — consider factors like policy limits, deductible options, and add-on coverages available from each carrier.
Both carriers serve a range of driver profiles. Elephant Insurance is best for multi-car households and bundling discounts, while Root Insurance is best for safe drivers and tech-savvy customers. Compare quotes from both to see which offers you the best rate.
Consider your priorities: price, coverage breadth, financial strength, customer service, and state availability. Elephant Insurance is rated A- by AM Best, while Root Insurance is rated B++. Truvo compares quotes from both carriers so you can make an informed decision.
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