Toggle is a digital-first insurance brand from Farmers Insurance Group, launched around 2018-2019 for younger customers who wanted to buy and manage coverage entirely online. It made its name in renters insurance — the line Farmers is now shutting down — leaving auto in 14 states as what remains of the brand, so here is an independent look at Toggle, its estimated rates, and how that shrinking offering compares in 2026.
Toggle is a subsidiary brand of Farmers Insurance Group, which is managed by Farmers Group and owned by Swiss-based Zurich Insurance Group. It was created as a digital-first, self-service brand aimed at renters and younger consumers, and much of its growth came from renters coverage and from migrating former 21st Century customers. That founding line is now being retired: Farmers is shutting down the Toggle renters brand and has begun nonrenewing those policies state by state. What continues is auto, sold in 14 states — Arizona, California, Colorado, Georgia, Illinois, Indiana, Missouri, Ohio, Oregon, South Carolina, Tennessee, Texas, Virginia, and Wisconsin — entirely online or by phone rather than through local agents, and alongside steep rate filings in several of them. Because Toggle relies on Farmers for underwriting, it still carries Farmers Insurance Group's A (Excellent) financial strength rating from AM Best.
Independent market estimates based on NAIC rate filings and state insurance department data. Not provided by or endorsed by Toggle. Actual rates vary by state, ZIP, and individual profile.
| Driver profile | Est. annual premium | vs. market avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$1,520/yr | Near avg. | Rates and availability vary sharply by state |
| Single accident (3 yrs) | ~$2,150/yr | Above avg. | Standard surcharge for at-fault claims |
| DUI on record | ~$3,100/yr | Above avg. | Does not file SR-22 for high-risk drivers |
| Young driver (18–24) | ~$2,760/yr | Near avg. | Digital model may appeal to younger drivers |
| Senior driver (65+) | ~$1,610/yr | Near avg. | Limited state footprint applies |
| Lower credit tier | ~$2,240/yr | Above avg. | Credit scoring applies where legal |
ⓘ Source: NAIC filings and state regulatory data. Not quotes from Toggle. Verify pricing directly with the carrier or a licensed agent.
Toggle's appeal was always its digital-first design and the financial backing of Farmers Insurance Group, which carries an A (Excellent) rating from AM Best. That backing still holds, but the brand's direction has changed: Farmers is shutting down the Toggle renters line it was built on and nonrenewing those policies, leaving auto in 14 states as what is left. The rate filings on that remaining book are aggressive — 27% in Texas, 40% in Oregon, and double-digit increases in Arizona and Georgia — which is not the profile of a brand being invested in. Add the structural limits that were always there, direct-only service with no local agents and no SR-22 filings for high-risk drivers, and the case for starting a new auto policy here is thin. If you are already a Toggle customer the Farmers backing means your claims are secure, but anyone shopping fresh should treat it as one quote among several rather than a default.
Toggle is hard to recommend as a new auto policy in 2026. Farmers is winding the brand down, the renters line it was known for is being discontinued, and the auto book that remains covers 14 states and is absorbing steep rate increases. Existing customers keep Farmers' A (Excellent) backing behind their claims. Anyone shopping fresh should compare Toggle against other carriers in their area before committing to a brand in retreat.
Disclaimer: RateWire is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to Toggle. All carrier names and trademarks are the property of their respective owners used solely for informational and comparison purposes. Rate figures are independent market estimates from publicly available NAIC and state regulatory data — not quotes from Toggle. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent before purchasing.