21st Century Insurance (Toggle) auto insurance review for 2026

21st Century Insurance basics

21st Century Insurance has been part of the Farmers Insurance Group of Companies since 2009, and was rebranded as Toggle in many areas in 2025. Toggle offers car insurance in 14 states.

As part of Farmers, 21st Century and Toggle benefit from the financial backing of one of the largest carriers in the U.S., which has an "A" AM Best rating for financial stability, meaning it can pay claims.

Pros:

Backed by financially stable Farmers Insurance Group
Online access through Toggle website

Cons:

Not available in all states

States where 21st Century or Toggle offer coverage

21st Century is now part of the Toggle brand, which offers car insurance in 14 states.

Map

Table

Available

Not available

State
Arizona
California
Colorado
Georgia
Illinois
Indiana
Missouri
Ohio
Oregon
South Carolina
Tennessee
Texas
Virginia
Wisconsin

*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.

What does 21st Century or Toggle car insurance cover?

Toggle, the current brand for 21st Century Insurance policies in many areas, offers the core car insurance coverages required in most states plus several distinctive add-ons not commonly available from standard carriers, including pet passenger injury coverage and Side Hustle coverage for business use.

All primary car insurance coverage options are available:

Additional coverage offerings:

Roadside assistance
Alternative transportation/rental reimbursement
Pet Passenger pet injury coverage
Toggle On Side Hustle business use coverage: extends your policy to cover business use of your vehicle, including rideshare driving, delivery services, and other gig economy activities that standard personal auto policies typically exclude.

How much is 21st Century or Toggle car insurance?

As 21st Century completes the transition to Toggle, rates are not yet available through our data provider, Quadrant Information Services. For current pricing, request a quote directly through the Toggle website, where coverage can be purchased and managed entirely online.

21st Century and Toggle auto insurance discounts

Toggle offers six named discounts with specific savings amounts, including a good driver discount of 20% or more, a superior driver discount of 10% to 20%, a good student discount averaging 15%, a mature driver discount averaging 2%, a multi-car discount, and an anti-theft discount averaging 15%.

Good driver discount. This discount applies to drivers without tickets or accidents in the past three years and can save you 20% or more.
Superior driver discount. Drivers with an even longer record of safe driving can save more on top of the good driver discount, with additional discounts at four and five years. Savings are 10% - 20%.
Good student discount. Students under the age of 25 with a B average or better can earn an average discount of 15%.
Mature driver discount. Drivers 55 or older can save with a defensive driving course. This discount averages 2%.
Multi-car discount. Earn a discount when you insure more than one vehicle.
Anti-theft discount. An anti-theft device can save you an average of 15%.

Offerings may vary by state.

21st Century Insurance in California

21st Century Insurance, founded in California, now operates there under the Toggle brand. 21st Century customers have been transitioned to the new brand and platform.

Toggle is available in California as of 2026
California drivers who held 21st Century policies have been transitioned to Toggle
The good driver discount of 20% or more is particularly relevant in California, where the state requires insurers to weight driving record as a primary rating factor
California drivers can get a quote and manage their policy entirely online through Toggle's platform

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