Toggle
- Offers rideshare insurance for drivers using their car for Uber, Lyft and similar services.
- Add-on available that could pay up to $1,000 for vet care if your pet is injured while riding with you.
- Optional new car replacement for vehicles under two years old and with less than 24,000 miles.
- Receives far more than the expected number of complaints to state regulators.
- Doesn’t file SR22 forms for drivers who need them.
- Not available in most states.
Editor's note: Toggle's parent company, Farmers, is shutting down the Toggle brand for renters insurance in some states. The company says it's working with affected customers to help them find other renters insurance coverage.
NerdWallet's take on Toggle car insurance
Toggle earned 2.7 out of 5 stars in our analysis for its average digital experience and discounts. It was hurt by the high rate of complaints it receives compared to its size.
Best for: Drivers who feel comfortable managing their policies online using Toggle’s website.
Not ideal for: Drivers who need an insurer that will file an SR22 form for them.
Where Toggle auto insurance stands out
Optional car insurance offerings. Toggle allows policyholders to add pet coverage, new car replacement, rideshare insurance and temporary ride coverage to a basic auto policy.
Where Toggle auto insurance falls short
High complaint ratio. Toggle receives far more complaints than expected for its size. This could reflect dissatisfaction from policyholders about their experiences with Toggle.
No mobile app. Toggle doesn’t have a mobile app. You can still manage your policy online after you sign in to Toggle’s self-service portal, but you may be disappointed if you prefer to work through an insurer’s dedicated app.
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How much does Toggle car insurance cost?
On average, the cost of full coverage car insurance from Toggle is $157 per month or $1,882 per year in California, the state where we have rates, according to our November 2025 analysis. That's compared to California's statewide average of $1,946 per year.
Minimum coverage, which includes only as much coverage as your state requires, costs an average of $46 per month or $548 per year at Toggle. The average in California is $625 per year.
We recommend comparing car insurance quotes from a few companies before you buy a policy. Since what you pay depends on personal details like your location, car, driving record and other factors, the cheapest company for you won’t be the same as the cheapest one for another driver.
Toggle auto insurance rates by age
Your car insurance rates are affected by your age, too. Because younger drivers have less experience behind the wheel than older drivers, insurers view them as more likely to be involved in a crash and, ultimately, make a claim.
Insurance rates usually get closer to average as you get older, as long as you avoid accidents and driving violations. But you can cut costs in the meantime by joining an existing policy and looking for discounts for young drivers, like a good student discount, which Toggle offers.
Here are Toggle's average car insurance rates for drivers of different ages:
Young drivers. The average cost of Toggle car insurance for 20-year-old drivers in California is $4,714 per year, or $393 per month. To compare, the cost of car insurance for young drivers in California is $3,233 per year, on average.
Adult drivers. The average cost of Toggle car insurance for 40-year-old drivers in California is $1,756 per year, or $146 per month. That's compared with the statewide average of $1,875 per year for this age group.
Senior drivers. The average cost of Toggle car insurance for 60-year-old drivers in California is $1,410 per year, or $118 per month. On average, the cost of car insurance for senior drivers in California is $1,718 per year.
- More Toggle auto rates by age
Age Toggle median rate National median rate 20 $4,714 $4,684 30 $2,002 $2,375 35 $1,882 $2,300 40 $1,756 $2,232 50 $1,536 $2,074 60 $1,410 $1,988 70 $1,612 $2,125
Toggle auto insurance rates by driver profile
Your driving record affects what you pay for car insurance. Rates are likely to climb after an accident or driving record, and many drivers may not know that their credit history can also influence their insurance costs.
If you can maintain a clean driving record, or increase your credit-based insurance score by building your credit, your rates could fall over time. It’s a good idea to compare rates — some companies specialize in offering relatively cheap rates to drivers with spotty records.
Below are Toggle's average full coverage rates for 35-year-old drivers:
Poor credit. We have rates for Toggle only in California, a state along with Hawaii and Massachusetts where credit-based insurance scores can’t affect insurance costs. Because of this, we won’t show a rate comparison for this section.
However, if you live in another state where your credit history can affect what you pay for car insurance, it’s important that you compare rates to find your cheapest company.
Speeding ticket. The average cost of Toggle car insurance after a single speeding ticket is $2,855 per year, or $238 per month. For comparison, the average in California after a ticket is $2,899 per year.
At-fault crash. The average cost of Toggle car insurance after one at-fault accident is $7,502 per year, or $625 per month. The average cost of car insurance after a crash is $3,605 per year in California.
DUI. The average cost of Toggle car insurance after a DUI or DWI is $7,503 per year, or $625 per month. Compare that to the average in California for this group, which is $5,365 per year.
Toggle auto insurance discounts
Toggle doesn’t offer as many discounts as some other insurance companies. But depending on your state, you may be able to lower your rates by:
Owning a home.
Being a good student.
Remaining free of accidents and claims.
Driving a car with automatic emergency brakes.
Bundling your Toggle auto insurance with renters insurance.
To get the cheapest possible rates, you’d need to buy the minimum amount of car insurance your state requires. While the low price might seem tempting, we recommend more coverage if you can afford it. Minimum coverage can leave you without enough insurance to cover the damage from a serious accident.
Toggle car insurance coverage
Toggle's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Toggle also offers some types of optional coverage, such as:
Pet passenger insurance. This coverage 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.
Who might need it? Toggle’s pet passenger insurance could be worth having if you often have your pet with you while you drive. You may not need it if you have a separate pet insurance policy that provides similar coverage.
Rideshare insurance. This coverage extends your personal car insurance policy to cover your car while you're using it for ridesharing or food delivery. You also receive some coverage for loss of income while your car is in the shop, and damage to your phone.
Who might need it? If you drive for a rideshare company, like Uber or Lyft, you’ll probably need rideshare insurance. While these companies provide some coverage, it may be limited, and a standard car insurance policy won’t normally cover you while you’re working.
Temporary ride coverage. If your car is damaged, this coverage pays a $30 or $50 daily stipend that you can use to get around.
Who might need it? You may need this coverage if you depend on your car to get to work or school. If you live in an area with public transportation, it might still be worth having. You can use the payment on bus or train fare and keep the difference.
New car replacement coverage. This coverage helps pay 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.
Who might need it? You may want this coverage if you drive a new car. Ordinarily, after a crash your insurance would only cover the actual cash value of your car, its value after depreciation. This could leave you short of the cost of your old vehicle.
It's important to understand what coverage you want and what you’re required to buy when you shop for car insurance. The best way to find cheap car insurance rates regardless of the coverage you need is comparing quotes from multiple companies before buying a policy.
Is Toggle a good insurance company?
Toggle didn’t fare as well as many other insurance companies in our study. Its ratings were hurt by its high number of complaints compared to its size, its average digital experience and the relatively short list of discounts that it offers.
Complaints: Toggle receives far more complaints than expected for its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
More information about Toggle auto insurance
Customer service: You can call Toggle at 1-855-864-1530.
Website: You can manage your policy, view your documents and contact Toggle by logging into the insurer’s website. Unlike some other insurance companies, Toggle doesn’t have an app.
Other Toggle insurance reviews
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM 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 the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
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 2022-2024. 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 2022 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.
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.
