Provider review

Toggle Insurance Review

By YesWeSure EditorialReviewed October 3, 2026Editorial standardsReport an errorSources

Status update · as of October 21, 2026

Farmers is narrowing the Toggle brand. Below: what we verified today and what has been reported.

Renters is being discontinued. Farmers is sunsetting Toggle renters in most states and notifying affected policyholders. NerdWallet’s Toggle Auto review (dated August 5, 2026) carries an editor’s note confirming the renters shutdown.⁶
What Toggle’s site discloses for auto. Toggle’s site footer currently includes this auto disclosure: “Auto insurance is underwritten by Mid-Century Insurance Company in South Carolina.” (checked October 21, 2026). Availability may differ by state; check at quote.⁷
Quote-flow check. On October 21, 2026 we opened gettoggle.com, clicked the “Get my price” CTA on /auto, and were taken to /auto/enroll/start, a Toggle-branded intake form (name, ZIP, hCaptcha). We did not reproduce the Farmers-affiliate redirect that Coverager reports; it may trigger later in the form, which we did not submit.⁷⁸
Reported (not approved) auto rate filings. Coverager reports that Toggle filed for the following auto rate changes: Texas +27% (nearly 16,000 policyholders), Oregon +40% (500+), Arizona +19.7% (1,000+), and Georgia +13% (3,043). These are requested filings; approval status is not confirmed in a primary record we could reach today. Coverager’s article has no visible publication date.⁸
Toggle’s stated reason. Toggle has described the moves as part of “a broader strategic plan” to focus on core offerings, per Coverager; a direct Farmers or Toggle corporate statement on auto was not located.⁸

Toggle is Farmers Insurance Group's direct-to-consumer, app-first brand, launched in 2018. The pitch is that policyholders can "toggle" coverage options on or off through a self-service digital interface without talking to an agent. In 2025, 21st Century rebranded to Toggle in several states including California, bringing former 21st Century customers under the Toggle brand without changing underwriting entities. State NAIC complaint-index data has historically run above expected volume for the brand's size.

Who Toggle fits

Availability has changed. Check gettoggle.com for your state at quote.
Digital-native shoppers who prefer app-first management over an agent relationship.
Household-bundle shoppers already in Farmers' ecosystem considering a direct option.

Who should look elsewhere

Shoppers who want an agent relationship: see Farmers instead.
Shoppers who want the lowest NAIC complaint-index direct option: GEICO or USAA (eligible).
Shoppers outside Toggle's current auto availability: use the parent Farmers channel.

Corporate structure

Parent: Farmers Insurance Group (Zurich Insurance Group majority owned via Farmers Group, Inc.).
Launched: 2018 as a digital-first renters-and-auto brand.
Absorbed: 21st Century books in several states including California (2025 rebranding).
AM Best: inherits Farmers corporate rating structure. Verify current letter grade at bind.
Headquarters: Woodland Hills, California (shared with Farmers).

Products

Auto liability + full coverage (collision, comprehensive) with standard-market endorsements.
Renters coverage is being discontinued in most states (see Status update).
App-first service: policy changes, ID cards, and claim-filing in-app.
Flexible-cancellation framing ("toggle" off and on): practical details vary by state; verify at bind.

Sources

Toggle (gettoggle.com) corporate materials and state auto footprint.
Farmers Insurance Group corporate structure (farmers.com/companies).
Insurify, NerdWallet, CoverageCat Toggle reviews, 2026.
ProgramBusiness: Toggle expansion coverage; Celent Model Insurer of the Year 2022.
Insurance.com: 21st Century / Toggle rebranding context, 2026.
NerdWallet: Toggle Car Insurance Review 2026, editor’s note on the Toggle renters shutdown. Review dated August 5, 2026.
gettoggle.com — first-hand check, October 21, 2026. Site footer underwriting disclosure for auto (South Carolina / Mid-Century) and “Get my price” CTA destination (/auto/enroll/start).
Coverager: “Sunsetting of Toggle” — reports on gettoggle.com quote-redirect messaging, Toggle’s “broader strategic plan” statement, and state auto rate-increase filings (TX, OR, AZ, GA). Publication date not visible on article at time of review.

Abbreviated profile. A full editorial review has not been built yet; the facts above are drawn from Toggle and Farmers Insurance Group corporate materials and public filings. Last reviewed October 3, 2026.

Methodology: How YesWeSure reviews insurance providers. Last reviewed October 3, 2026.

How we make money. If you request a quote through a partner link on this page we may be compensated by the carrier or an aggregator. Our editorial judgment, ratings and the facts on this page are determined independently of any commercial relationship. See How we make money and Editorial standards.