Toggle Insurance Review 2025

Toggle Auto Insurance Review

Toggle offers customizable auto insurance that provides flexible coverage options, competitive pricing, and an easy online claims process. Let’s take an in-depth look.

Auto Insurance Cost

Toggle’s auto insurance policies are customizable, allowing you to tailor coverage to your specific needs. However, this flexibility can result in premiums that are higher than the national average. For instance, Toggle’s average monthly rate for full coverage is $276, compared to the national average of $176 per month.

Toggle’s auto insurance may be more affordable for drivers with clean records, as they offer good driver discounts. Conversely, it could be more expensive for individuals with recent violations, poor credit, or those looking for basic liability coverage, as their rates tend to be higher than average in these instances.

Average Rates By Age

Average Rates By Driver Profile

Is Toggle Car Insurance Expensive Compared To Other Companies?

Toggle Auto Insurance Coverage

Toggle Auto Insurance offers a good range of standard coverage options. In addition to standard coverages, Toggle provides unique add-ons to enhance your policy. Here’s an overview:

Standard Coverage Options:

• Liability Coverage: Pays for bodily injury and property damage to others if you’re at fault in an accident.
• Collision Coverage: Covers damage to your vehicle resulting from a collision with another vehicle or object.
• Comprehensive Coverage: Protects against non-collision-related incidents such as theft, vandalism, or natural disasters.
• Uninsured/Underinsured Motorist Coverage: Provides protection if you’re involved in an accident with a driver who lacks sufficient insurance.

Additional Coverage Options:

• Pet Passenger™: Covers veterinary expenses up to $1,000 if your pet is injured in a covered accident while riding in your vehicle.
• Side Hustle® Auto: Extends your personal auto policy to cover activities like ridesharing or food delivery, addressing potential coverage gaps.
• Temporary Ride Coverage: Offers a daily stipend (e.g., $30 or $50) for alternative transportation if your car is undergoing repairs due to a covered claim.
• New Car Replacement: If your vehicle is less than two years old with under 24,000 miles and is totaled, this option helps replace it with a new car rather than reimbursing the depreciated value.

Pros And Cons Of Toggle Car Insurance

Pros:

• Highly customizable coverage.
• Online only experience for quotes, claims, and policy management.
• Backed by the financial stability of Farmers Insurance.

Cons:

• Higher-than-average premiums compared to some competitors.
• Limited availability in certain states.
• No in-person agents.

Toggle Car Insurance Discounts

Toggle offers several discounts to help you save money while maintaining comprehensive coverage.

• Good Driver Discount: Lower rates for drivers with a clean driving record and no recent violations.
• Multi-Policy Discount: Save when you bundle auto insurance with renters or home insurance.
• Pay-in-Full Discount: Receive a discount for paying your annual premium upfront instead of in monthly installments.
• Safe Vehicle Discount: Reduced rates for vehicles equipped with advanced safety features like airbags and anti-lock brakes.
• Paperless Discount: Save by opting for digital documents and online billing.

Toggle Home Insurance Review

With unique coverage options and straightforward pricing, Toggle’s goal is to simplify home insurance for today’s consumers. Let’s take a look.

Toggle Homeowners Insurance Quotes

As of 2025, the average annual premium for homeowners insurance in the United States is approximately $1,915, or about $160 per month, for a policy with $300,000 in dwelling coverage. Toggle’s average rates for home insurance are higher than the national average, being approximately $2,160 annually or about $180 per month.

Homeowners with newer properties equipped with modern safety measures, such as updated electrical systems, plumbing, and roofing, may find Toggle’s premiums more affordable. Additionally, homes located in areas with lower risks of natural disasters, like regions less prone to flooding or wildfires, often benefit from reduced insurance costs.

Implementing security systems and other protective measures can further decrease premiums as they reduce potential risks and claims.

Conversely, individuals owning older homes, especially those requiring significant renovations or lacking modern safety updates, might experience higher premiums with Toggle.

Properties situated in regions susceptible to severe weather events, such as coastal areas prone to hurricanes or zones with a history of earthquakes, are also likely to face increased insurance costs due to the elevated risk.

Is Toggle Home Insurance Expensive Compared To Other Companies?

Toggle Home Insurance Discounts

Toggle offers several discounts to help you save on premiums while maintaining comprehensive coverage.

• Multi-Policy Discount: Save by bundling home insurance with renters or auto insurance.
• New Home Discount: Lower rates for newly built homes with modern construction and safety features.
• Safety Features Discount: Discounts for homes equipped with security systems, smoke detectors, and other protective devices.
• Claims-Free Discount: Reduced premiums for homeowners with no recent insurance claims.
• Paperless Discount: Save by opting for digital policy documents and online billing.

Toggle Home Insurance Coverage

Toggle Home Insurance offers a range of customizable coverage options designed to meet your individual needs.

Standard Coverage Options:

• Dwelling Coverage: Protects the structure of your home against perils such as fire, lightning, windstorms, and hail.
• Personal Property Coverage: Covers your belongings, including furniture, electronics, and clothing, against theft or damage.
• Liability Coverage: Provides protection if someone is injured on your property or if you accidentally cause damage to someone else’s property.
• Medical Payments to Others: Pays for medical expenses if a guest is injured on your premises, regardless of fault.
• Loss of Use Coverage: Covers additional living expenses if your home becomes uninhabitable due to a covered loss, ensuring you have funds for temporary housing and related costs.

Optional Add-Ons:

• Replacement Cost Coverage: Makes sure you receive the full cost to replace damaged or stolen items without depreciation deductions.
• Identity Theft Protection: Offers assistance and financial coverage if your identity is stolen, helping with legal fees and the restoration processes.
• Pet Damage Coverage: Provides coverage for damages caused by your pets to your home or personal property.
• Side Hustle Coverage: Protects business-related property and liabilities if you run a small business or freelance from your home.

Pros And Cons Of Toggle Home Insurance

Pros:

• Customizable coverage with unique add-ons.
• Easy online policy management.
• Backed by Farmers Insurance, providing financial stability.

Cons:

• Limited availability in some states.
• No in-person agents.
• Higher-than-average premiums for older homes or properties in high-risk areas.

Toggle Renters Insurance Review

Toggle Renters Insurance is known for its highly customizable coverage, allowing renters to tailor policies to fit their specific needs.

With affordable pricing, unique add-ons like pet damage and side hustle protection, and a totally digital experience, Toggle stands out as a modern solution for renters looking for flexibility and convenience. Backed by Farmers Insurance, it offers financial stability and reliable coverage.

Toggle Renters Insurance Quotes

Toggle Renters Insurance offers customizable policies with premiums starting as low as $5 per month for basic coverage. However, the average monthly premium is approximately $13, which is slightly higher than some competitors.

In comparison, the national average cost of renters insurance is about $15 to $20 per month. Toggle’s premiums can be considered competitive, especially for those looking for basic coverage.

Toggle Renters Insurance is generally affordable for renters who choose minimal coverage or live in low-risk areas where crime rates and natural disaster risks are lower.

Those who don’t require extensive personal property coverage or liability protection can take advantage of Toggle’s flexible pricing, making it a budget-friendly option for younger renters, students, and those in smaller apartments.

However, renters needing more comprehensive coverage—such as higher personal property limits, additional liability protection, or specialized add-ons—may find Toggle’s premiums more expensive than competitors. Additionally, those living in high-risk areas prone to natural disasters, theft, or vandalism might face higher-than-average rates due to increased risk factors.

Toggle Renters Insurance Discounts

Toggle offers several discounts to help renters save on their insurance premiums while maintaining flexible and customizable coverage.

• Multi-Policy Discount: Save when bundling renters insurance with auto or home insurance.
• Good Credit Discount: Lower premiums for renters with a strong credit history.
• Claims-Free Discount: Reduced rates for policyholders with no recent insurance claims.
• Paperless Discount: Get a discount by choosing digital policy documents and online billing.
• Safety Features Discount: Savings for renters in buildings equipped with security systems, smoke detectors, or other protective measures.

Toggle Renters Insurance Coverage

Toggle Renters Insurance offers a range of customizable coverage options to meet the specific needs of renters. Here’s an overview of the different types of coverage available:

Standard Coverage:

• Personal Property Coverage: Protects your belongings, such as furniture, electronics, and clothing, against perils like fire, theft, and vandalism.
• Liability Coverage: Provides protection if you’re held responsible for bodily injury or property damage to others, with standard policies typically including $100,000 in liability coverage.
• Medical Payments to Others: Covers medical expenses for guests injured in your home, regardless of fault.
• Loss of Use (Temporary Living Expenses): Pays for additional living expenses if your rental becomes uninhabitable due to a covered loss, providing you with funds for temporary housing.

Optional Add-Ons:

• Pet Parent Coverage: Offers liability protection if your pet injures someone and covers certain damages your pet may cause to your rental property.
• Replacement Cost Coverage: Ensures you receive the full cost to replace damaged or stolen items without depreciation deductions.
• Side Hustle Coverage: Protects business-related property and income for renters who run small businesses or freelance from home, covering equipment and potential income loss due to covered incidents.
• Identity Protector Coverage: Provides assistance and financial coverage if your identity is stolen, helping with legal fees and the restoration processes.

Pros And Cons Of Toggle Renters Insurance

Pros:

• Highly customizable coverage with unique add-ons.
• Affordable base rates starting as low as $5 per month.
• Easy online quotes and claims processing.

Cons:

• Limited availability in certain states.
• Premiums can be higher for renters needing extensive coverage.
• No in-person agents.