Toggle Auto Insurance: Modern Car Coverage for All

Toggle Auto Insurance caters to a younger demographic who prefer online transactions over phone calls to buy and manage their auto insurance. Its rates are often cheaper than average, and it provides customizable add-ons with renters insurance, its primary insurance product.

Toggle Auto Insurance costs an average of $3,312 per year, 38 percent higher than the national average of $2,399. Additionally, it’s much higher than average for minimum coverage, with an average annual price of $1,524 compared to $635.

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When I got my quote from Toggle Auto Insurance, it automatically applied three discounts: superior driver, good driver, and anti-theft. I know that the anti-theft was due to my car’s anti-theft technology, but I’m not exactly sure what the difference is between a good versus a superior driver. However, I have to assume I got that discount for my clean driving record, with no at-fault accidents or tickets in the past five years (and as a result, no claims).

You can also save with Toggle Auto Insurance by being a homeowner, owning a car with an Automatic Emergency Braking system, or bundling your auto and renters policy.

I’m from Pennsylvania, where Toggle Auto Insurance does not sell policies, so to get a quote, I put in an address in Bakersfield, California.

This was probably the quickest quote process I’ve ever seen. Toggle Auto Insurance automatically picked up my driving history from my name and address, and within seconds I was filling in my vehicle and getting a quote. Once I had the quote, I could adjust limits and add coverages to see how it would affect the price. With Toggle Auto Insurance, I could also call a number, although it’s clear that the website directs most people to get quotes online. Still, that’s an option if you don’t want to go through the computer.

However, if you prefer talking to an actual human in person, I would check out Farmers, Toggle Auto Insurance’s more traditional parent company, which has local offices throughout the country.

Toggle Auto Insurance offers the standard car insurance coverages: bodily injury and property damage liability, uninsured/underinsured motorist, collision, comprehensive, additional equipment, and rental reimbursement/alternative transportation coverage. It also includes roadside assistance with each policy.

So what’s missing? Toggle Auto Insurance doesn’t offer non-owner insurance, SR-22s, or rideshare coverage. Non-owner insurance is a good idea if you frequently borrow or rent cars, including carshares like Zipcar. An SR-22 is a form required after certain serious driving offenses, like DUIs, proving that drivers meet state-mandated insurance requirements. Rideshare coverage is essential for drivers who work with companies like Uber or Lyft to cover gaps in their personal auto policies. If you need any of these specialized coverages, you’ll need to explore other insurers that cater to those specific needs.

Note that Toggle Auto Insurance is only available in 14 states, as of writing. These are:

• Arizona
• California
• Colorado
• Georgia
• Illinois
• Indiana
• Missouri
• Ohio
• Oregon
• South Carolina
• Tennessee
• Texas
• Virginia
• Wisconsin

Toggle Auto Insurance also offers renters insurance — in fact, this is its primary insurance product — and I could have gotten a discount for bundling renters and auto. Some landlords require basic renters insurance, but there are also two higher tiers for more coverage, like an expensive laptop or piece of jewelry. There is also an add-on for pets, because who knows when your dog will damage the carpet.

Renters insurance is much cheaper than auto insurance; I got quoted for as little as $5 a month.

Let’s take the lowest-tier plan, which includes a deductible of up to $500 and a liability limit of $100,000. I could have customized my policy, adding coverage for:

• Up to $10,000 for technology, jewelry and fashion, cameras, art supplies, and other creative tools, active gear and equipment, and collectibles
• Up to $20,000 for furniture and appliances

In general, I think it makes sense to increase your coverage above the minimum. It usually doesn’t add too much to your premiums, and in the event of a worst case scenario, like a fire, the expense of replacing your belongings adds up quickly.

Once I chose the limits I wanted for each category, I had a few add-ons to choose from:

• Identity theft: While not technically renters insurance, identity theft monitoring will let you know if your personal data was leaked.
• Pets: If you have a pet, this coverage would go to any damages they make to your rental home.
• Replacement: Some people may prefer to replace rather than repair items.
• Side hustle: Didn’t think Toggle was targeted at millennials before? You will now. If you’re part of the majority of the country that has a side hustle, you can get insurance for your business expenses like a camera or other equipment.
• Significant other: Add your spouse or partner to your renters insurance, whether you’re married or just live in the same house, for free.
• Temporary living: If you need to stay somewhere else while you’re experiencing a covered loss, this coverage will contribute to your hotel bill.

Since Farmers owns Toggle Auto Insurance, for the majority of third-party ratings I had to rely on data for Farmers, not Toggle specifically. Regardless, for the most part Toggle/Farmers did not do great when it came to customer satisfaction. It has a high rate of complaints with the National Association of Insurance Commissioners (NAIC) — nearly 9 times higher than expected for a company of its size — and a below average score on J.D. Power’s customer satisfaction survey. However, it did perform well when it came to its financial outlook, meaning that the company is creditworthy and should be able to reliably pay out claims. Poor customer service may be a natural result of a company that operates online primarily with Toggle Auto Insurance, with some over-the-phone service and no local offices. So if customer service is a priority of yours, I’d say Toggle Auto Insurance is probably not for you.

Limited customer support may arise from Toggle Auto Insurance’s focus on an online-first approach, supplemented by phone assistance and lacking local offices. If you prioritize hands-on customer service, Toggle Auto Insurance might not fully meet your expectations as of 05:04 PM CEST on Friday, June 27, 2025. The duration of a claim with Toggle Auto Insurance depends on its complexity. For instance, a claim involving injuries will take longer to resolve compared to one with only property damage. It also hinges on the cooperation of all parties involved. Once you file a claim, a representative will contact you promptly via phone or email—whichever you prefer—and it could be settled in as little as a few days for minor cases.

Despite being a digital-first service, Toggle Auto Insurance surprisingly doesn’t offer a dedicated mobile app. Instead, I managed my entire policy through their website — from requesting a quote to making updates. While the online platform is user-friendly and features a streamlined quote process, it offers limited details about coverages and discounts. To understand my options, I had to go through the quote process directly — a clever move by Toggle, but one that might feel inconvenient to users looking for more transparency or a toggle auto insurance login app.

When reviewing Toggle Auto Insurance, we consider multiple important factors to ensure a reliable experience for drivers:

• Coverages and pricing: We expect comprehensive offerings, including essentials like liability and collision, along with extras such as roadside assistance and rental coverage. We also compare Toggle’s pricing against other providers to assess average rates.
  
  
• Customer satisfaction: We look at feedback from sources like J.D. Power and the Better Business Bureau to determine how satisfied policyholders are with Toggle’s service.
  
  
• Claims process: A top insurer should allow you to file claims easily — through its website, app, and by phone. Toggle provides claim submission online, but timely responses and customer support quality are also evaluated.
  
  
• Financial strength: We review ratings from agencies like AM Best and Moody’s to ensure the company is financially stable enough to cover claims reliably.
  
  

Digital tools and accessibility: We assess how easy it is to manage your policy through Toggle’s online tools, including account access, digital ID cards, and claims. While Toggle lacks a mobile app, features like website-based management and access to the toggle auto insurance phone number help customers stay connected.