Is Toggle going out of business?

Toggle is a Farmers subsidiary brand that Farmers is sunsetting rather than an independent company failing. Renters operations are being discontinued in a growing list of states and customers are being directed to Farmers. The auto book continues in roughly 14 states for now.

What happens to my existing Toggle policy?

Farmers stands behind Toggle's obligations, so existing coverage remains valid through its term. Renters policyholders in affected states have received nonrenewal notices and are being helped to find replacement coverage. Watch for your renewal notice and start comparing early.

Can I still buy Toggle auto insurance?

Toggle continues to write auto insurance in around 14 states, but it has filed substantial rate increases across multiple markets and the wider brand is being wound down. Confirm current availability in your state, and weigh the risk of needing to replace the policy.

What should I switch to instead?

Enter your ZIP above and we'll connect you with licensed agents in your area. Farmers, Toggle's parent, is the most direct alternative, but comparing several carriers is worthwhile — a forced switch is a good moment to re-shop the whole policy rather than defaulting to the parent brand.

How does Toggle compare to Farmers and Bristol West?

All three sit within the Farmers group. Farmers is the full-service national carrier with the broadest product range and a stable outlook. Bristol West is its non-standard arm for high-risk drivers, carrying an A+ AM Best rating. Toggle was the digital-first experiment and is now being wound down, which makes the other two the practical choices.

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Toggle

Toggle Insurance in 2026: Status, What Changed, and Alternatives

By ReliablePolicy Editorial Team

Toggle is a Farmers Insurance subsidiary brand that is being wound down. Its renters insurance operations are shutting down in a growing list of states, with customers directed to Farmers, while its auto book continues in a limited number of states amid substantial rate increases. If you're shopping Toggle, here's what is actually happening in 2026.

Status

Sunsetting

Brand being wound down

Parent

Farmers Insurance

Customers directed to Farmers

Renters

Shutting down

Nonrenewals in multiple states

Auto

~14 states

Continuing amid rate increases

Launched

Early 2020s

Digital-first subsidiary brand

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Toggle overview

Toggle launched as Farmers' digital-first subsidiary brand, initially built around subscription-style renters insurance and later expanding into auto. Farmers has since begun sunsetting the brand: renters coverage is being discontinued in a growing list of states, with reported nonrenewals including roughly 866 policies in Mississippi and 390 in Arkansas, and affected customers directed toward Farmers or other insurers. Toggle's auto business continues in around 14 states, but alongside substantial rate increases filed across multiple markets. Because the brand's direction is contraction rather than growth, anyone shopping Toggle should plan for the possibility of nonrenewal.

Toggle estimated rates by driver profile (2026)

Independent market estimates for drivers researching Toggle — not provided by or endorsed by the carrier. All figures are approximate national averages from public industry data.

Driver profile	Est. annual premium	vs. market avg.	Notes
Auto — clean record	Available in ~14 states	Rising	Substantial rate hikes filed
Auto — after incident	Varies	Rising	Confirm renewal terms
Renters — new policy	Being discontinued	Closing	Nonrenewals underway
Existing renters customer	Transitioning	Closing	Directed to Farmers
Alternative — Farmers	Market rate	Open	Parent company, full lines
Alternative — other carriers	Market rate	Open	Worth comparing now

Estimates based on NAIC rate filings and state insurance department data. Not quotes from Toggle. Actual premiums are determined solely by the carrier based on your individual underwriting profile.

Toggle pros and cons

Where Toggle excels

✓Backed by Farmers, an established national insurer
✓Auto coverage still being written in around 14 states
✓Farmers is actively helping affected customers find replacement coverage
✓Digital-first experience was the brand's original design strength

Where Toggle falls short

✗The brand is being sunset — direction is contraction, not growth
✗Renters insurance is being discontinued, with nonrenewals already issued
✗Substantial auto rate increases filed across multiple states
✗Risk of nonrenewal makes it a poor choice for a long-term policy
✗Limited auto footprint at roughly 14 states

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A closer look at Toggle

Buying into a brand its parent is winding down is rarely a good trade, even when the underlying company is sound. Farmers stands behind the obligations, so existing Toggle customers are not exposed in any solvency sense — but a policy you may have to replace in a year, from a brand filing large rate increases, is not worth optimizing for price today. If Toggle currently insures you, treat the next renewal notice as a prompt to shop rather than a formality. If you are shopping fresh, look at Farmers directly or at carriers with a stable outlook.

Bottom line

Toggle is being wound down by Farmers — renters is closing and auto continues in limited states with rising rates. Compare Farmers directly and other carriers rather than starting a new Toggle policy.

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Frequently asked questions about Toggle

Disclaimer: ReliablePolicy 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 and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, 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.

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