--- title: "Toggle Insurance Review [Updated 2026]" description: "Toggle is a digital-first insurance provider offering customizable auto and renters policies online, backed by Farmers and rated highly for financial strength." canonical: "https://www.coveragecat.com/reviews/toggle-insurance-review" last-updated: "2026-10-31" --- # Toggle Insurance Review [Updated 2026] ## 1. [Introduction to Toggle Insurance](#introduction) Toggle Insurance is a digital-first insurance brand launched in 2018 and backed by Farmers Insurance, a 90-year-old industry veteran [(Farmers Insurance Newsroom, "Toggle(SM) Launch Marks Arrival of a Reimagined Insurance Brand Built for Digitally-Powered Consumers", 2018)](https://newsroom.farmers.com/2018-11-12-Toggle-SM-Launch-Marks-Arrival-of-a-Reimagined-Insurance-Brand-Built-for-Digitally-Powered-Consumers). Based in Woodland Hills, California, Toggle offers consumers modern, customizable insurance through a fully digital subscription model. Insurance is underwritten by 21st Century Assurance Company, a member of Farmers Insurance Group [Ibid.](https://newsroom.farmers.com/2018-11-12-Toggle-SM-Launch-Marks-Arrival-of-a-Reimagined-Insurance-Brand-Built-for-Digitally-Powered-Consumers). Though originally focused on renters insurance, Toggle expanded into auto and home insurance in select states. Toggle's name comes from the promise that customers can toggle coverage options on or off through an easy online interface, without phone interactions or traditional agents. The company earned recognition as Celent Model Insurer of the Year 2022 [(LeadIQ, "Toggle Insurance Company Overview", 2026)](https://leadiq.com/c/toggle-insurance/5f344109a0cf8ca20bd32cbb), highlighting its innovation in digital insurance delivery. Toggle is also available as an employer-sponsored voluntary benefit through Benefitfocus's BenefitsPlace platform, where employees can add or remove coverage in under 60 seconds [(Benefitfocus, "Toggle | Renters Insurance | Benefitfocus", 2026)](https://www.benefitfocus.com/solutions/catalog/toggle/renters-insurance). Toggle operates with approximately 14 employees and generates revenue between $50M and $100M [(LeadIQ, "Toggle Insurance Company Overview", 2026)](https://leadiq.com/c/toggle-insurance/5f344109a0cf8ca20bd32cbb). --- ## 2. [What Kinds of Insurance Does Toggle Offer?](#kindsofinsurance) Toggle offers three main product lines, though the company has undergone significant strategic changes: **Renters Insurance:** Toggle's renters insurance features Basic, Standard, and Premium tiers starting around $5/month, with the average renter paying approximately $20/month [(U.S. News & World Report, "Toggle Renters Insurance Review for 2026", 2026)](https://www.usnews.com/insurance/renters-insurance/toggle), plus unique add-ons like Pet Parent Coverage, Side Hustle Coverage, and Identity Protector. All renters subscriptions carry a minimum of $100,000 in liability coverage and at least $1,000 in blanket contents coverage [(Farmers Insurance, "Toggle Expansion Delivers Reimagined Insurance Brand", 2019)](https://newsroom.farmers.com/2019-03-18-Toggle-SM-Expansion-Delivers-Reimagined-Insurance-Brand-Built-for-Digitally-Powered-Consumers-to-Nine-New-Markets). U.S. News notes that Toggle is not ranked among the best renters insurance companies due to its low market share [(U.S. News & World Report, "Toggle Renters Insurance Review for 2026", 2026)](https://www.usnews.com/insurance/renters-insurance/toggle). **Auto Insurance:** Available in 14 states including California, Texas, Arizona, Georgia, Illinois, Indiana, Ohio, Oregon, South Carolina, Virginia, Wisconsin, Colorado, Missouri, and Tennessee [(LinkedIn, "Toggle Insurance", 2026)](https://www.linkedin.com/company/toggle-insurance), Toggle provides standard coverages (liability, collision, comprehensive, UM/UIM, roadside assistance), plus unique add-ons like Pet Passenger protection and Side Hustle Auto coverage. Toggle does not offer SR-22 filings or non-owner auto policies, which limits its use for high-risk drivers. | Product Type | States Available | Pricing | Notable Features | |-------------|------------------|---------|------------------| | Renters Insurance | 33 states plus D.C. (withdrawing from most) | Starts at $5/month; avg $20/month | All-perils coverage, Pet Parent, Side Hustle, Credit Lift | | Auto Insurance | 14 states | Avg $276/month for full coverage | Pet Passenger, Side Hustle Auto, good driver discounts | | Homeowners Insurance | 6 states | Avg $2,160/year (~$180/month) | Pool coverage, AC unit coverage, pet evacuation add-ons | --- ## 3. [How Does Toggle Insurance Work?](#howdoesitwork) Toggle insurance policies can be purchased entirely online: - **Quote:** Enter your personal details and information about your home and/or auto. Toggle generates quotes within minutes. - **Customize:** Adjust coverage options in real time and see pricing updates immediately. The interface lets you add or remove coverages as easily as flipping a switch — Benefitfocus describes the process as under 60 seconds [(Benefitfocus, "Toggle | Renters Insurance | Benefitfocus", 2026)](https://www.benefitfocus.com/solutions/catalog/toggle/renters-insurance). - **Purchase:** Complete the entire process online in under five minutes, without an agent. Policies cannot be purchased by phone [(U.S. News & World Report, "Toggle Renters Insurance Review for 2026", 2026)](https://www.usnews.com/insurance/renters-insurance/toggle). - **Management:** Policies are managed via a mobile-friendly web portal (no dedicated mobile app exists). Toggle's "Always On Portability" means member belongings are covered at home, on the road, and anywhere in between [(Farmers, "Toggle Expansion Delivers Reimagined Insurance Brand", 2019)](https://newsroom.farmers.com/2019-03-18-Toggle-SM-Expansion-Delivers-Reimagined-Insurance-Brand-Built-for-Digitally-Powered-Consumers-to-Nine-New-Markets). - **Claims:** Claims are submitted through the website; support is available via phone and live chat. Toggle integrated Metromile's first notice of loss, claims automation, and fraud detection platform to handle this process [(Farmers, "Toggle Expansion Delivers Reimagined Insurance Brand", 2019)](https://newsroom.farmers.com/2019-03-18-Toggle-SM-Expansion-Delivers-Reimagined-Insurance-Brand-Built-for-Digitally-Powered-Consumers-to-Nine-New-Markets). - **Payment:** Monthly or annual billing is available, with discounts for annual payment. Renters policies are on an annual coverage period but members can make changes or cancel at any time [(Farmers, "Toggle Expansion Delivers Reimagined Insurance Brand", 2019)](https://newsroom.farmers.com/2019-03-18-Toggle-SM-Expansion-Delivers-Reimagined-Insurance-Brand-Built-for-Digitally-Powered-Consumers-to-Nine-New-Markets). Toggle operates as an admitted carrier in most states, which means policyholders benefit from state guaranty fund protections [(LegalClarity, "What Is Toggle Insurance and How Does It Work?", 2025)](https://legalclarity.org/what-is-toggle-insurance-and-how-does-it-work/). The company must comply with state regulations governing property and casualty insurance and obtain approval from each state's insurance department before offering policies [Ibid.](https://legalclarity.org/what-is-toggle-insurance-and-how-does-it-work/). --- ## 4. [Pros and Cons of Toggle Insurance](#proscons) ### Pros - AM Best affirmed A (Excellent) financial-strength ratings for named Farmers Insurance Group members in August 2025, including 21st Century Premier Insurance Company and Mid-Century Insurance Company. Match the rating to the company on your policy [(AM Best, "AM Best Affirms Credit Ratings of Members of Farmers Insurance Group", 2025)](https://news.ambest.com/newscontent.aspx?refnum=267905&altsrc=23). - True all-perils renters insurance covers earthquakes (except California), floods, tornadoes, breakage, and dog bites — coverages most competitors exclude [(Coverage Cat, "Toggle Insurance Review 2025", 2025)](https://www.coveragecat.com/reviews/toggle-insurance-review) - Credit Lift feature reports on-time rent payments to three major credit bureaus; users see credit scores increase by 29 points after 2 months on average [(Farmers Insurance Newsroom, "Toggle Expansion Delivers Reimagined Insurance Brand", 2019)](https://newsroom.farmers.com/2019-03-18-Toggle-SM-Expansion-Delivers-Reimagined-Insurance-Brand-Built-for-Digitally-Powered-Consumers-to-Nine-New-Markets). - Decreasing deductible with every claim-free year [(U.S. News & World Report, "Toggle Renters Insurance Review for 2026", 2026)](https://www.usnews.com/insurance/renters-insurance/toggle). ### Cons - Toggle is only offered in limited states, making it unavailable for most Americans. Renters insurance is being withdrawn from most markets [(Coverage Cat, "Toggle Insurance Review 2025", 2025)](https://www.coveragecat.com/reviews/toggle-insurance-review). - Toggle's average monthly rate for full coverage auto is $276, compared to the national average of $176 per month, approximately 57% higher than typical carriers [(Coverage Cat, "Toggle Insurance Review 2025", 2025)](https://www.coveragecat.com/reviews/toggle-insurance-review). - No mobile app, no SR-22 filings, and no non-owner auto policies available [(Coverage Cat, "Toggle Insurance Review 2025", 2025)](https://www.coveragecat.com/reviews/toggle-insurance-review). --- ## 5. [Ratings and Customer Feedback for Toggle Insurance](#ratings) ### Financial Strength Rating AM Best's August 1, 2025 release affirms A (Excellent) Financial Strength Ratings for listed Farmers Insurance Group members. Those ratings belong to the named insurers, not to every policy sold under the Toggle brand [(AM Best, "AM Best Affirms Credit Ratings of Members of Farmers Insurance Group", 2025)](https://news.ambest.com/newscontent.aspx?refnum=267905&altsrc=23). ### Match the Rating to the Underwriting Company Toggle's website, checked October 31, 2026, names different underwriting companies by product and state. The table matches those names to the August 2025 AM Best release above [(Toggle, "Toggle Renters Insurance (accessed October 31)", 2026)](https://www.gettoggle.com/). | Underwriting company named by Toggle | Role listed on Toggle's site | Rating in the cited August 2025 AM Best release | |------------------------------------|-----------------------------|------------------------------------------------| | 21st Century Assurance Company | Renters insurance in specified states | Not listed in that release; check this company's rating separately | | 21st Century Premier Insurance Company | Renters insurance in specified states | A (Excellent) | | Mid-Century Insurance Company | Auto insurance in South Carolina | A (Excellent) | ### How to Assess Customer Feedback Financial-strength ratings do not measure customer service or predict how an individual claim will go. When reading customer reviews, check the review date, insurance product, state, and underwriting company. A social-media follower count is not a customer-satisfaction score, and a score for another Farmers company should not be presented as a Toggle score. Before buying, ask how to reach support, report a claim, cancel coverage, and track any refund. Compare the answers with your needs and with recent accounts from customers holding the same type of policy. --- ## 6. [Get Customer Support Or File A Claim For Toggle Insurance](#customersupport) - **Phone:** Toggle's website lists 1-855-864-1530. - **Online:** Its website provides account login, claims, and contact links. Use the instructions for the underwriting company on your policy [(Toggle, "Toggle Renters Insurance (accessed October 31)", 2026)](https://www.gettoggle.com/). ### Filing a Claim 1. Log in via Toggle's website. 2. Submit the online claim form with details and documentation. 3. Track the claim online through the same portal. 4. State regulations require insurers to acknowledge claims within a set timeframe and issue decisions within 30 to 45 days [(LegalClarity, "What Is Toggle Insurance and How Does It Work?", 2025)](https://legalclarity.org/what-is-toggle-insurance-and-how-does-it-work/). --- ## 7. [Frequently Asked Questions](#faq) ### Is Toggle a legitimate insurance company? Yes. Toggle is a Farmers brand. Its website names 21st Century Assurance Company and 21st Century Premier Insurance Company as renters insurers in specified states, and Mid-Century Insurance Company as its auto insurer in South Carolina. Check the legal underwriting company on your quote or policy; details were checked October 31, 2026 [(Toggle, "Toggle Renters Insurance (accessed October 31)", 2026)](https://www.gettoggle.com/). ### In which states is Toggle available? - **Auto Insurance:** 14 states (AZ, CA, CO, GA, IL, IN, MO, OH, OR, SC, TN, TX, VA, WI) [(LinkedIn, "Toggle Insurance", 2026)](https://www.linkedin.com/company/toggle-insurance). ### Does Toggle have a mobile app? No, Toggle does not have a mobile app at this time, but their website is mobile-friendly. ### How does Toggle compare to traditional insurers? Toggle is a fully digital insurer that offers a high level of customization, so it might be a great option if you don't want to work with an insurance agent or need insurance fast. However, customers report that premiums are above average and service access is limited. ### Is Toggle good insurance? Whether Toggle fits your needs depends on the coverage, exclusions, deductible, price, and support available for your policy. AM Best affirmed A (Excellent) financial-strength ratings for named Farmers companies in August 2025, including 21st Century Premier Insurance Company and Mid-Century Insurance Company. Those ratings assess financial strength, not the customer experience of every Toggle policyholder [(AM Best, "AM Best Affirms Credit Ratings of Members of Farmers Insurance Group", 2025)](https://news.ambest.com/newscontent.aspx?refnum=267905&altsrc=23). ### What makes Toggle insurance policy reviews different from traditional carriers? Toggle insurance policy reviews emphasize the fully digital experience, customizable add-ons like Pet Parent coverage and Side Hustle insurance, and unique features such as Credit Lift that reports rent payments to credit bureaus. Unlike traditional carriers, Toggle requires no agent interaction and offers all-perils renters coverage including earthquakes and floods in most states [(Toggle, "Toggle Home Insurance", 2026)](https://www.gettoggle.com/). Toggle renters policies also include portability — belongings are covered at home, traveling, and anywhere in between [(Toggle, "Covered. Anytime. Anywhere.", 2026)](https://www.gettoggle.com/). ### How does the Toggle insurance rating compare to competitors? Compare ratings for the specific underwriting company using the same rating agency and date. In its August 1, 2025 release, AM Best affirmed A (Excellent) ratings for 21st Century Premier Insurance Company and Mid-Century Insurance Company, among other Farmers members. That does not establish a single rating for the Toggle brand or rank its customer service against competitors [(AM Best, "AM Best Affirms Credit Ratings of Members of Farmers Insurance Group", 2025)](https://news.ambest.com/newscontent.aspx?refnum=267905&altsrc=23).