Amica vs Elephant: which is better for car insurance in 2026?
Across our six scoring categories, Amica comes out ahead in 1, Elephant in 0, with 5 too close to call. There is no overall score to compare, though: Elephant does not publish enough of the underlying data to earn one, and we would rather leave it blank than build a number out of the two or three figures that happen to exist. Amica is the better-documented of the two, which is not the same as being the better insurer for you. Judge these two on the categories where both have real figures — and on what they actually quote you.
Amica vs Elephant, side by side
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Category by category
Price
Too close to callElephant does not release public rate data, so there is no like-for-like premium to set against Amica's $3,167/yr. That is a real gap in the comparison, not a rounding error — treat Elephant's price as unknown until you have a quote in hand.
$3,167 a year for full coverage, 34% above the national average. Amica is one of the most expensive carriers here, and does not pretend otherwise.
Elephant is not included in the rate study behind every other premium in this review.
Claims satisfaction
Too close to callNeither pulls ahead on claims satisfaction: Amica posts 718/1,000 and Elephant Not rated, a difference too small to choose on.
718 out of 1,000, eighteen points above the segment average and seventh overall in the J.D. Power 2025 study.
Not in the J.D. Power claims study, which samples only the largest insurers.
Complaint record
Amica aheadAmica takes complaint record on Fewer than expected against Elephant's More than expected.
Fewer complaints than expected for its size.
More complaints than expected for its size — better than the other app-first insurers here, but still below par.
Financial strength
Too close to callNeither pulls ahead on financial strength: Amica posts A+ and Elephant Not published, a difference too small to choose on.
AM Best A+ (Superior), affirmed March 2026.
No AM Best rating we could verify, and no alternative rating found.
Discounts
Too close to callNeither pulls ahead on discounts: Amica posts 17 published and Elephant Not published, a difference too small to choose on.
Seventeen published discounts — among the longest lists here — including bundling up to 30% and multi-car up to 25%.
No discount list we could read on Elephant's own site.
Digital experience
Too close to callNeither pulls ahead on digital experience: Amica posts 4.82 iOS / 3.2 Android and Elephant Not published, a difference too small to choose on.
4.82 on the App Store but 3.2 on Google Play across a small rating base. The platform gap is severe and Android users should set expectations accordingly.
No app-store figures we could verify from a primary source.
So which one?
Pick Amica if…
- You are among drivers who will pay more for service and expect to file claims.
- You want the lower complaint record — Amica sits at Fewer than expected.
- Availability fits: 49 states and D.C. — not available in Hawaii.
Pick Elephant if…
- You are among drivers in its eight states comparing it against other budget options.
- Availability fits: 8 states.
Amica vs Elephant, answered
The questions people ask before switching between these two.
Other comparisons
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Averages are a starting point. Your rate is the only number that decides it.