Is Toggle Car Insurance Good? An In-Depth Review for 2022

Choosing car insurance can be overwhelming with so many options to consider. How do you know which company will provide good service at a fair price?

One insurer that has been gaining attention lately is Toggle. But is Toggle car insurance really as good as it sounds?

This complete review will examine Toggle’s pros and cons, customer satisfaction, pricing, coverage options and more. By the end, you’ll know if Toggle is a good option for your auto policy needs.

Overview of Toggle Car Insurance

Toggle is a relatively new auto insurer that entered the market in 2016. It’s owned by Farmers Insurance and exclusively sells policies online or over the phone.

Some key highlights about Toggle:

  • Rates aimed at being very budget-friendly
  • Started in Arizona but now available in 18 states
  • Sells minimum liability coverage or full coverage
  • Policies through Farmers Insurance companies
  • Completely digital quoting and management
  • Usage-based “Toggle On” program to save money

So on the surface, Toggle offers affordable rates in an easy online format. But how does it stack up for customer satisfaction?

Toggle Customer Satisfaction Ratings

Customer satisfaction can make or break an insurance company. Here are some insights into how Toggle customers feel about their service:

  • No complaints with insurance regulators – Per the National Association of Insurance Commissioners (NAIC), Toggle has no public complaints in 2022. This suggests customers aren’t filing grievances about their practices.

  • 3 out of 5 stars on Clearsurance – Real customer reviews on Clearsurance give Toggle 3 stars out of 5 overall based on 26 reviews. 53% rate them as “excellent”, while 42% consider their service “poor”.

  • Positive marks for price – Many reviews highlight good rates from Toggle, especially those coming from high-priced insurers. Saving money seems to be the biggest benefit.

  • Mixed claims experiences – Feedback on Toggle’s claims process is hit or miss. Some report very smooth experiences with good responsiveness and fair payouts. Others faced delays and low-ball settlements.

Overall, reviews seem to peg Toggle as an affordable option still early in its journey. Customer service and claims satisfaction could stand to improve. But the digital focus and budget pricing model appeal to many drivers.

What Insurance Coverages Does Toggle Offer?

As a newer online insurance company, Toggle takes a simplified approach to coverage options and limits. Here are the basics you get:

  • Liability – Includes bodily injury and property damage liability. Arizona minimum is default, but you can select up to $500k per accident.

  • Comprehensive – Covers damage from theft, vandalism, weather, fire and more. No deductible required.

  • Collision – Pays for repairs or replacement due to an at-fault accident regardless of who caused it. $500 deductible is default.

  • Uninsured/Underinsured Motorist – Injury protection if you’re hit by an at-fault driver with no or insufficient insurance. Matches your liability limits.

  • Roadside Assistance – Up to $100 per occurrence for towing, flat tire change, fuel delivery, etc.

Unlike big brand insurers, Toggle doesn’t advertise lots of optional coverages or endorsements. But flexibility may improve over time.

How Does Toggle’s Pricing Compare?

Affordable rates are Toggle’s main advantage. But how cheap are their premiums versus competitors?

We checked sample quotes for a 30-year old driver in Phoenix and found Toggle offered:

  • Minimum coverage – $452 per year with Toggle versus $822 with Progressive

  • Full coverage – $1,285 per year with Toggle versus $1,612 with Geico

So based on these quotes, Toggle provides significant savings over other large insurers. Of course, pricing varies by profile. But their focus on low premiums holds up well across many scenarios.

Toggle’s Discount and Rewards Programs

Toggle offers a couple ways to save beyond just cheap base rates:

Toggle On Usage-Based Program

Toggle On uses a mobile app or plug-in device to track your driving habits. Safer driving means bigger discounts. Features include:

  • Earn up to 25% off your premium
  • Get cash rewards when hitting goals
  • No penalties for poor driving
  • See driving feedback and scores

This modern program rewards good auto insurance customers. Sign-up bonuses also apply.

Multi-Policy Discounts

If you have renters, homeowners or umbrella insurance with Farmers, you can earn around 5-15% off your Toggle policy. Existing Farmers auto customers can also save by adding Toggle.

So bundling Toggle with other Farmers products results in discounts for a complete protection package.

The Pros of Choosing Toggle Car Insurance

Based on this review, here are some of the positives of choosing Toggle for your policy:

  • Very affordable rates – Great price competition from Toggle, especially coming from high-cost insurers.

  • A+ rating for financial strength – Farmers Insurance with Toggle has an excellent financial strength score from A.M. Best for claims-paying ability.

  • Usage-based savings – The Toggle On program offers significant discounts just for safe driving habits.

  • Easy online management – Convenient paperless options for getting a quote, buying a policy, making a payment and more.

  • Access to Farmers agents – Can get local in-person support from Farmers’ large network of agents if needed.

For drivers most concerned with low cost and technology, Toggle has a very appealing offer.

Potential Downsides to Consider

On the other hand, there are some possible disadvantages to weigh:

  • Limited coverage offerings – Doesn’t advertise extras like rental reimbursement, roadside assistance, new car replacement, etc.

  • Mixed claims experiences – Satisfaction with claims support is inconsistent per reviews. May deal with some delays or disputes.

  • No mobile app – The website is mobile-friendly, but Toggle lacks its own dedicated app for managing your policy.

  • Not available nationwide – Only an option for drivers in 18 states currently. Limited eligibility compared to top insurers.

While Toggle’s affordable pricing model shows lots of advantages, be sure you’re comfortable with the trade-offs. Look at the full package versus just cost.

The Bottom Line – Is Toggle a Good Car Insurance Choice?

Overall, Toggle offers a lot of appealing advantages for budget-minded drivers. Their rates consistently beat competitors’ prices for both minimum and full coverage.

Top positives include discounted pricing, solid financial strength, and modern features like the Toggle On program. While claims satisfaction could improve, they appear to provide good basic protection.

Just be sure to get multiple quotes for your situation. Toggle is worth considering, but may not be the cheapest or best fit every time. Carefully compare to find the right balance of rate, coverage and service.

Car Insurance to Avoid


Is get toggle insurance legit?

Toggle is a subsidiary company of Farmers Insurance Group, which has been providing a wide range of insurance policies to customers for more than 90 years. With Farmers’ long tenure in the insurance industry, you can trust the customizable coverage you get through Toggle.

Who owns toggle insurance?

Farmers backed Toggle is now offering auto insurance in California. Coverage is underwritten by 21st Century Casualty Company.

How long has toggle insurance been around?

Founded in 2018 as a part of the Farmers Insurance family, it offers simple and customizable coverage through an online platform. Toggle offers three levels of core coverage, with unique add-ons for pets and side hustles. However, Toggle renters insurance is only available in 29 states.

What is the best app to shop for car insurance?

Car Insurance Company
Car Insurance App Rating*
Number of Downloads*
4.4 out of 5.0
1 million+
Root Insurance
3.4 out of 5.0
1 million+
Farmers Insurance
4.6 out of 5.0
4.3 out of 5.0

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