Let's take a closer look at how Elephant compares to Allstate, a much larger insurer known for offering a variety of insurance coverages, and Farmers, a company with fairly comparable rates to Elephant. But Farmers' average rates are higher than Elephant's for full-coverage insurance, while Elephant's rates are higher for liability-only coverage. Elephant's auto insurance rates aren't very competitive with prices from the best car insurance companies, but the smaller insurer does provide a range of attractive discounts.