Toggle Insurance Review

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. Auto is in 14 states; renters is in 33 states and DC. 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

• Shoppers in Toggle's 14-state auto footprint: AZ, CA, CO, GA, IL, IN, MO, OH, OR, SC, TN, TX, VA, WI.
• 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 the 14-state Toggle auto footprint: 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 insurance in 33 states and DC.
• 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.

Material-news context

Farmers announced in 2025 that Toggle renters insurance would wind down in certain states, with affected customers helped to find alternative coverage. This is a renters-side action and does not affect the Toggle auto book across its 14-state footprint, but it is a signal worth noting on brand durability. Verify current Toggle status in your state before binding a multi-year renters-auto bundle.