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' RatesQuick answer
Elephant Insurance and Root Insurance both help you shop for insurance, but they work differently. Elephant Insurance is best for multi-car households, while Root Insurance is best for safe drivers. Elephant Insurance covers 3 insurance lines (Auto, Home, Renters), and Root Insurance covers 2 (Auto, Renters). The cheapest option depends on your driving record, location, and coverage needs, so comparing personalized quotes from both is the only way to know.
Elephant Insurance vs Root Insurance: Side by Side
| Feature | Elephant Insurance | Root Insurance |
|---|---|---|
| Type | Affordable direct-to-consumer auto insurance with bundling savings. | Usage-based auto insurance powered by telematics and data science. |
| AM Best rating | A- | B++ |
| Founded | 2009 | 2015 |
| Headquarters | Richmond, Virginia | Columbus, Ohio |
| Insurance lines | Auto, Home, Renters | Auto, Renters |
| Lines covered | 3 | 2 |
| Availability | Available in select states | Available in 30+ states |
At 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 50+ other carriers in minutes.
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