Farmers Insurance has introduced a new brand, Toggle Auto Insurance, designed to cater to the needs of 21st-century customers. This relatively new player in the insurance market operates without local agents, making it distinct from traditional providers.
Toggle is currently available in 14 states, including Arizona, California, and Texas. The company’s online-focused business model allows customers to manage their policies entirely on its website or via its call center.
This comprehensive guide will explore Toggle’s coverage options, pricing structure, and customer service reputation to help readers determine if it’s the right choice for their car insurance needs.
Key Takeaways
- Toggle Auto Insurance is a brand owned by Farmers Insurance, operating without local agents.
- The company is available in 14 states, with plans for potential expansion.
- Toggle’s online-focused business model allows for easy policy management.
- The guide will analyze Toggle’s coverage options and pricing structure.
- Readers will gain insight into Toggle’s customer service reputation.
- The article will provide an objective comparison with other major insurance providers.
What Is Toggle Auto Insurance?
Toggle Auto Insurance is a relatively new player in the auto insurance market, operating in a limited number of states. As a modern insurance provider, it’s gaining attention for its innovative approach to auto insurance. To understand Toggle fully, it’s crucial to delve into its company background and the states where it’s available.
Company Background and Ownership
Toggle Auto Insurance is backed by significant investment and innovative technology. Understanding its ownership and background can provide insights into its operational model and plans. The company is leveraging modern technology to offer competitive insurance rates and personalized services.
The ownership structure of Toggle Auto Insurance indicates a strong financial backing, enabling it to invest in cutting-edge technology and customer service. This backing is crucial for its growth and expansion plans.
States Where Toggle Is Available
Toggle Auto Insurance is currently available in 14 states across the United States. These include Arizona, California, Colorado, Georgia, Illinois, Indiana, Missouri, Ohio, Oregon, South Carolina, Tennessee, Texas, Virginia, and Wisconsin.
- Toggle operates in a limited footprint, significantly restricting its availability compared to national carriers.
- The limited availability means many potential customers cannot access Toggle’s services, regardless of how well they might fit their needs.
- The company may be using this phased approach to test and refine their business model before expanding to additional states.
- Consumers outside these 14 states who are interested in Toggle’s offerings will need to consider alternative insurance providers until the company expands its service area.
Toggle Auto Insurance Coverage Options
Understanding the coverage options available is crucial when considering Toggle Auto Insurance. The company provides a variety of insurance plans designed to meet different needs, but it’s essential to understand what’s included and what’s not.
Standard Coverage Options
Toggle Auto Insurance offers standard coverage options that are typical in the auto insurance industry. These include liability coverage, collision coverage, and comprehensive coverage. Liability coverage helps pay for damages to others in an accident, while collision coverage pays for damages to your vehicle, regardless of fault. Comprehensive coverage, on the other hand, covers damages not related to accidents, such as theft or natural disasters.
The specifics of these coverage options can vary, so it’s crucial to review the details when selecting a policy. Toggle allows customers to customize their coverage to some extent, providing flexibility in managing their insurance costs.
What Coverage Toggle Doesn’t Offer
While Toggle provides standard coverage options, there are certain types of coverage it doesn’t offer. For instance, Toggle doesn’t provide non-owner insurance policies, which are beneficial for those who frequently rent or borrow cars. Additionally, it doesn’t offer SR-22 filings, required for drivers with serious violations, or rideshare coverage for drivers working with companies like Uber or Lyft.
- Non-owner insurance policies are not available, limiting options for those who don’t own vehicles.
- SR-22 filings are not provided, necessitating drivers with serious infractions to seek coverage elsewhere.
- Rideshare coverage is also not offered, making Toggle less suitable for gig economy drivers.
- Unlike some auto insurance companies, Toggle doesn’t offer gap insurance.
Toggle Auto Insurance Costs
Understanding the costs associated with Toggle Auto Insurance is crucial for potential customers. The cost of insurance is a significant factor that influences purchasing decisions.
Average Premium Rates
Toggle Auto Insurance offers various coverage options, and the costs can vary significantly. The average annual premium for full coverage is $3,312, while the average annual premium for minimum coverage is $1,524.
These rates are based on the company’s pricing structure and can be influenced by several factors, including the driver’s history, location, and vehicle type.
Comparing Toggle Rates to Competitors
When comparing Toggle Auto Insurance rates to its competitors, it becomes apparent that Toggle’s premiums are significantly higher. For full coverage, Toggle’s average annual premium of $3,312 exceeds that of most established insurance companies.
For instance, companies like GEICO ($1,731), Progressive ($1,960), and USAA ($1,407) offer substantially lower rates for comparable coverage levels. Even for minimum coverage, Toggle’s $1,524 average annual premium is nearly three times higher than GEICO’s $517 and USAA’s $417 offerings.
This competitive analysis suggests that Toggle’s value proposition likely centers on factors beyond price, such as digital experience or specific coverage features that appeal to their target demographic.
Discounts and Savings Opportunities
Toggle Auto Insurance provides multiple ways for customers to save on their car insurance premiums. By offering various discounts and bundling options, Toggle makes it easier for drivers to manage their insurance costs.
Available Discounts
Toggle Auto Insurance offers a range of discounts to help customers reduce their insurance expenses. While the exact discounts available may vary, customers can typically save by taking advantage of Toggle’s competitive pricing and bundling options. Some of the discounts are designed for specific customer profiles, making it beneficial for potential customers to explore these options.
- Discounts for bundling multiple insurance products
- Competitive pricing for low-risk drivers
- Special offers for customers with a good driving record
Bundling Options with Renters Insurance
One of the significant advantages of choosing Toggle Auto Insurance is the ability to bundle it with their renters insurance. Toggle originally launched as a renters insurance company, making their bundling options particularly well-developed. Customers can save significantly by combining Toggle Auto with the company’s flagship renters insurance products, which start at remarkably affordable rates around $5 monthly.
Toggle’s renters insurance offers tiered coverage options, with basic protection satisfying landlord requirements and premium tiers covering high-value items. The bundling process is seamlessly integrated into Toggle’s digital platform, allowing customers to manage both policy types through a single online account. Additional customization options for renters’ policies include specialized coverage for pets and identity theft protection, complementing the auto insurance policy.
The Toggle Insurance Quote Process
Toggle Auto Insurance has made it easy for potential customers to get quotes through their website or by calling their dedicated phone lines. This flexibility allows individuals to choose the method that best suits their needs.
Online Quote Experience
The online quote experience with Toggle is designed to be user-friendly and efficient. By navigating to their website, potential customers can quickly input their information and receive a quote. The process is streamlined to minimize the time required, making it convenient for those who prefer handling tasks digitally.
The online system guides users through various coverage options, helping them tailor their insurance to fit their specific needs. This personalized approach ensures that customers are not overwhelmed with unnecessary coverage, potentially saving them money.
Phone Quote Options
For those who prefer a more personal touch or have complex insurance needs, Toggle offers phone quote options. By calling the dedicated phone lines, customers can speak directly with representatives who can guide them on selecting the appropriate insurance coverage.
Toggle’s phone representatives are equipped to explain various coverage options and help customers understand the discounts they may be eligible for. This direct interaction can be particularly beneficial for individuals with unique circumstances that require more personalized attention.
- Customers can receive personalized guidance through the insurance selection process.
- Phone representatives can help explain coverage options and potential discounts.
- This option is particularly useful for those with complex insurance situations.
Toggle Auto Insurance Customer Service
When evaluating Toggle Auto Insurance, it’s essential to examine its customer service record. The level of service provided can significantly impact the overall experience of policyholders.
Customer Satisfaction Ratings
Customer satisfaction is a crucial metric for insurance companies. Toggle Auto Insurance’s customer satisfaction ratings provide insight into their ability to meet policyholder expectations. While specific ratings may vary, it’s essential to consider multiple sources when assessing their performance.
NAIC Complaint Index
Toggle Auto Insurance has a concerning record with the National Association of Insurance Commissioners (NAIC). Their complaint index stands at 8.91, indicating nearly nine times more complaints than expected for an insurer of its size. This suggests systematic issues with Toggle’s customer service operations or claims handling procedures.
- The high complaint ratio places Toggle among the worst-performing auto insurers tracked by the NAIC.
- Common complaints involve claim denials, payment delays, and poor communication.
This data from the NAIC is a significant red flag for potential customers, particularly those who prioritize reliable service and smooth claims experiences.
Filing Claims with Toggle Auto Insurance
In the event of an accident, Toggle Auto Insurance policyholders need to know how to navigate the claims process effectively. Understanding the steps involved can help make the experience less stressful.
Claims Process Overview
The claims process with Toggle Auto Insurance is designed to be straightforward. Policyholders can file a claim either online or by phone, making it convenient to report an accident at any time. Toggle Auto’s parent company, Farmers, handles the claims, leveraging its extensive experience in the insurance industry.
To file a claim, policyholders will need to provide details about the accident, including the date, time, location, and any parties involved. This information is crucial for processing the claim efficiently.
Claims Satisfaction Ratings
While Toggle Auto Insurance is relatively new and doesn’t have a long history of claims data, its parent company, Farmers, has been evaluated in various studies. Farmers received a C- rating in the 2025 CRASH Network report, ranking 78 out of 88 insurers. However, in J.D. Power’s 2024 Claims Satisfaction Study, Farmers scored 706 out of 1,000, slightly above the industry average of 697.
This mixed performance suggests that while some customers may experience satisfactory service, others might face challenges. The limited claims history for Toggle Auto Insurance makes it difficult to assess its specific claims satisfaction independent of Farmers.
Toggle’s Digital Experience
Evaluating Toggle Auto Insurance’s digital experience reveals both strengths and weaknesses in its online offerings. The company’s ability to manage policies online is a significant advantage for tech-savvy customers.
Website Functionality
Toggle Auto Insurance’s website allows customers to handle various tasks, from obtaining a quote to managing their policy information. The online platform is designed to be user-friendly, enabling customers to access their account details and insurance information easily. This level of information availability is beneficial for those who prefer managing their policies digitally.
The website’s functionality is a key aspect of Toggle’s digital experience, providing a straightforward way to navigate and perform necessary actions.
Mobile App Limitations
Despite its digital-first approach, Toggle Auto Insurance lacks a dedicated mobile application, which is a significant drawback. Customers must access the website through mobile browsers to manage their policies, access their digital insurance card, or file claims. This can be inconvenient and less optimized compared to using a dedicated app.
The absence of a mobile app puts Toggle at a competitive disadvantage, particularly among younger, digitally-native consumers who prefer managing services through smartphone applications. For Toggle Auto Insurance to enhance its digital experience, developing a mobile app could be a crucial step.
Who Is Toggle Auto Insurance Best For?
Toggle Auto Insurance is designed for a specific type of driver, making it essential to understand who can benefit from its offerings. The company provides a streamlined online experience for managing auto insurance, which appeals to tech-savvy individuals.
Ideal Customer Profile
The ideal customer for Toggle Auto Insurance is likely someone who values convenience and digital management of their insurance policies. This driver is probably comfortable with online transactions and prefers a straightforward, user-friendly interface for their insurance needs. Toggle’s auto insurance is suitable for people who are looking for a straightforward insurance experience without the need for complex coverage options.
Additionally, Toggle’s availability in 14 states means that residents in these areas can consider Toggle as a viable option for their insurance needs.
Who Should Look Elsewhere
While Toggle Auto Insurance offers several benefits, there are certain groups of people who may need to look elsewhere for their insurance needs. For instance, drivers requiring specialized coverage, such as rideshare insurance for Uber or Lyft driving, will not find it with Toggle. Similarly, individuals needing SR-22 filings after serious driving violations will have to seek coverage elsewhere.
Non-vehicle owners who need non-owner insurance for occasional driving of borrowed or rented cars will also not find suitable coverage with Toggle. Furthermore, residents outside Toggle’s 14-state service area cannot access the company’s products. Consumers who prefer more traditional interactions, such as speaking with local agents, may also want to consider other car insurance companies like Toggle’s parent company, Farmers.
Conclusion: Is Toggle Auto Insurance Worth It?
Toggle Auto Insurance is a unique offering from Farmers that brings a modern twist to the traditional auto insurance landscape. With its streamlined digital experience, Toggle appeals to digitally-savvy customers who value convenience and ease of use.
The company’s strongest appeal lies in its ability to bundle auto insurance with renters insurance, providing meaningful discounts and a single-platform experience. However, customer satisfaction metrics and the NAIC complaint index raise concerns about potential service issues.
Toggle’s limited availability in just 14 states restricts its relevance to a broader audience. For those within its service area seeking a fully digital insurance experience with decent coverage options, Toggle may be worth considering despite its premium pricing.
Ultimately, Toggle Auto represents Farmers’ attempt to reach younger, tech-oriented customers through a modern insurance platform. While it may not be the optimal choice for many drivers due to its higher rates and service limitations, it is an option for those who prioritize a digital experience and bundled policies.
FAQ About Toggle Auto Insurance
What is the process for filing a claim with Toggle?
To file a claim, policyholders can contact Toggle’s customer service via phone or initiate the process through their online account on the company’s website. Toggle’s claims process is designed to be straightforward, with a dedicated team available to guide customers through each step.
Does Toggle offer collision coverage?
Yes, Toggle offers collision coverage as part of its standard coverage options. This coverage helps pay for damages to the policyholder’s vehicle in the event of an accident, regardless of fault.
How does Toggle determine premium rates?
Toggle determines premium rates based on a variety of factors, including the policyholder’s driving history, vehicle make and model, annual mileage, and location. The company uses a complex algorithm to assess these factors and provide a personalized quote.
Can I bundle my car insurance with renters insurance through Toggle?
Yes, Toggle offers bundling options that allow customers to combine their car insurance with renters insurance, potentially leading to discounts and savings on both policies.
What is Toggle’s customer satisfaction rating?
Toggle has received positive reviews from customers, with high satisfaction ratings reported in various surveys and reviews. The company’s customer service team is available to address any concerns or questions policyholders may have.
Is Toggle available in all states?
No, Toggle is not available in all states. The company is currently licensed to operate in a limited number of states, and its availability is expanding gradually. Customers can check the Toggle website to see if the company is available in their state.
How can I get a quote from Toggle?
To get a quote from Toggle, customers can visit the company’s website and fill out an online application or contact Toggle’s customer service directly via phone to receive a personalized quote.
