Toggle Insurance Review 2025
Find out if you're overpaying for auto insurance.
Why You Can Trust Us
Toggle offers fast online quotes.
Quick Look: Toggle Pros & Cons
Pros
Affordable premiums compared to traditional insurers.
Customizable coverage options to fit unique needs.
Easy-to-use online tools and mobile app for managing policies.
Cons
Limited availability in some states.
May lack comprehensive coverage options for high-risk drivers.
Customer service is primarily digital, which may not suit everyone.
Insights from Real Toggle Policyholders
Toggle policyholders frequently praise its transparency and simplicity in the insurance process. Many appreciate the quick quoting system and the flexibility to tailor their coverage. However, some policyholders have raised concerns about the lack of in-person support and limited coverage in certain regions.
Who Is Toggle Auto Insurance Best For?
Toggle is ideal for tech-savvy drivers who value convenience and affordability. It suits individuals looking for straightforward policy management and those with moderate coverage needs.
How Much Does Toggle Car Insurance Cost?
Toggle's premiums are typically competitive, with rates varying based on factors like driving history, vehicle type, and location.
Compare Toggle Rates
By comparing rates through Toggle’s user-friendly online tool, you can quickly determine if you're getting the best deal for your coverage needs.
How You Can Save On Your Policy with Toggle
Policyholders can save money by bundling their insurance, opting for a higher deductible, or maintaining a clean driving record. Toggle also offers discounts for safe drivers and certain vehicle safety features.
My Experience Getting a Quote from Toggle
Obtaining a quote from Toggle is an efficient process. Through their streamlined online portal, you can enter your information and receive a quote in just minutes.
What Types of Auto Insurance Coverage Does Toggle Offer?
Toggle provides various coverage options, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Additionally, they offer unique add-ons like personal property protection for items in your car.
DID YOU KNOW?
Toggle allows you to customize your coverage to include protection for personal items like electronics, making it stand out from traditional insurers.
Toggle: Customer Satisfaction Data
Customer satisfaction with Toggle is generally favorable, with many users enjoying the transparency and low cost. However, feedback about claims processing speed can vary.
Filing a Claim with Toggle
Filing a claim with Toggle is straightforward and entirely online. The process is designed for ease, ensuring quick submission of necessary details.
Toggle's Website and Mobile App
Toggle’s digital tools, including a sleek website and user-friendly app, make managing your policy, filing claims, and accessing documents effortless.
Methodology – How We Review Insurance Companies
Our reviews are based on extensive research, including customer testimonials, industry analysis, and data from independent sources to provide an unbiased perspective.
Frequently Asked Questions
Is Toggle a legitimate insurance company?
Yes, Toggle is a legitimate insurance provider backed by Farmers Insurance, a respected company with a solid reputation.
Who owns Toggle insurance?
Toggle is a brand under the Farmers Insurance Group, one of the largest and most reputable insurers in the industry.
Is 21st Century now Toggle insurance?
No, 21st Century Insurance and Toggle are different brands, though both operate under Farmers Insurance.
How long has Toggle insurance been around?
Toggle Insurance launched in 2018 as a modern, digital-first insurance solution designed to meet the needs of today’s drivers.
Written by: Thomas R Kellener
Senior Writer & Editor
A seasoned journalist and content strategist with over 10 years of editorial experience in digital media, Thomas R Kellener has written and edited hundreds of articles on the site, covering everything from plan coverages to discounts to state laws. He has also contributed to The Huffington Post, SquareFoot, and Degreed. Thomas R Kellener studied journalism at Brandeis University.
Citations
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https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=44245&:refreshDisclosure PDF for AM Best Company (AMB# 11109). A.M. Best. (2025).
https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=11109Farmers Insurance Group Credit Ratings. Moody’s. (2023, Aug 22).
https://www.moodys.com/credit-ratings/Farmers-Insurance-Group2025 U.S. Auto Insurance Study. J.D. Power. (2025, May 15).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-study2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study2025 Insurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/