Toggle Insurance Review 2025
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Toggle
Toggle sells customizable auto insurance policies in several states.- Offers rideshare insurance for drivers using their car for rideshare or food delivery services.
- Offers pet passenger insurance.
- Not available in most states.
- Far more than the expected number of complaints to state regulators.
- Few discounts offered.
Toggle, formerly known as 21st Century, earned 2 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Toggle is a small subsidiary of Farmers Insurance and currently offers auto insurance policies in Arizona, California, Colorado, Georgia, Illinois, Indiana, Missouri, Ohio, Oregon, South Carolina, Tennessee, Texas, Virginia and Wisconsin. It does most of its business online and over the phone, so Toggle is best for people who are fine with not having a personal agent.
» MORE: The best car insurance companies
Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
- How we review auto insurance companies
In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:
Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.
Compare to other insurers
NerdWallet rating 2.0/5 |  NerdWallet rating 3.0/5 |  NerdWallet rating 3.5/5 |
Discounts Average set of discounts | Discounts Very few discounts | Discounts Average set of discounts |
Ease of use Above average | Ease of use Below average | Ease of use Above average |
NAIC complaints Far more than expected | NAIC complaints Far fewer than expected | NAIC complaints Close to expected |
Bottom line Toggle sells customizable auto insurance policies in several states. | Bottom line American National sells a variety of policies, including auto and life, which means you can easily save by bundling multiple products. | Bottom line Safeco auto policies offer some unique features, such as accident forgiveness, but falls short in customer service. |
Toggle auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Toggle offers basic auto policies with the following add-on options:
Pet passenger insurance pays up to $1,000 in vet and other pet-related expenses if you're in a car accident while your pet is in your vehicle.
Rideshare insurance extends your personal car insurance policy to also cover your car while you're using it for ridesharing or food delivery.
Temporary ride coverage pays a $30 to $50 daily stipend in the event that your car is out of commission.
New car replacement coverage pays for a new car of the same make and model if your car is less than two years old, has fewer than 24,000 miles and is totaled in an accident.
» MORE: Compare auto insurance rates
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Auto insurance discounts
You may be able to save on your Toggle auto insurance policy by:
Owning a home.
Meeting Toggle's standards for being a good student.
Having no accidents or claims on your record.
Driving a car with an Automatic Emergency Braking system.
Having multiple Toggle policies.
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
Complaints
Toggle had far more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
More about Toggle auto insurance
Website: Toggle has a user-friendly website that lets you get a quote online within minutes, pay premiums, view your insurance ID card and file claims. If you need help, you can reach customer service at 855-864-1530, or chat with a representative from 9 a.m. to 10 p.m. ET Monday through Friday and 10 a.m. to 9 p.m. ET Saturday.
Toggle's website also has a blog with articles that explain how insurance works, and a page that provides shopping discounts to various partner brands.
Other insurance from Toggle
Toggle sells renters insurance in most states and offers home insurance in Arizona, Arkansas, Illinois, New Mexico, Oklahoma, Oregon, Pennsylvania, Tennessee and Wisconsin.
Toggle's parent company, Farmers, offers car insurance in most states, as well as most other types of coverage.
To learn more, check out our other Farmers reviews:
Frequently asked questions
How do I get a car insurance quote from Toggle?
How do I get a car insurance quote from Toggle?
You can get a quote online by visiting Toggle's website.
In what states does Toggle sell auto policies?
In what states does Toggle sell auto policies?
Toggle sells auto insurance in Arizona, California, Colorado, Georgia, Illinois, Indiana, Missouri, Ohio, Oregon, South Carolina, Tennessee, Texas, Virginia and Wisconsin.
How can I file a car insurance claim with Toggle?
How can I file a car insurance claim with Toggle?
To file a claim, complete the form online or call the claims department at 1-855-864-1530.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
2025 auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were Geico customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
