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Payment Options

How do I pay for Toggle?
We’ll automatically deduct your monthly premium at the start of your subscription period each month from the credit or debit card you provided. Need to change the card on file? You can change your credit or debit card under Account Settings on the My Coverage page when logged in to your Toggle account. At this time, we’re only able to accept debit and credit cards for payment online. We unfortunately cannot accept pre-paid or reloadable-style card types. If you prefer to pay by paper check (New Jersey customers only), please contact customer support at Please note that choosing to pay by paper check means that your coverage will not be effective until we receive your check and payment is successfully processed.
Can I pay for a full year or six months now?
Toggle renters insurance policies are set up to have monthly recurring costs that automatically deduct from your credit or debit card on file, similar to a subscription service. At this time, we do not have the option for customers to pay in full for the entire twelve-month policy term. Toggle auto insurance policies offer two payment options - paying monthly via recurring automatic deductions from your credit or debit card on file or paying in full for the entire six-month policy term via credit or debit card (with recurring automatic deductions at policy renewal). 
What happens if my monthly payment doesn’t go through?
If your recurring monthly charge fails, we will let you know so that you can make any adjustments to your debit or credit card on file to keep your Toggle policy active. We’ll attempt to re-bill the card you have listed with Toggle twice more before we’ll need to cancel your Toggle policy for non-payment.
I need to cancel. How will my refund be handled?
We're so sad to see you go! Refunds are processed the same day as policy cancellations and may take up to 3 days to be credited back to your card on file. Please note that at Toggle, we don't charge any initiation or set-up fees to get your policy started. However, we do retain the first month's policy premium if you need to cancel in your first month after buying your policy. (In CA, we refund up to the first $40.) If you request to cancel your auto policy within the initial policy term, any refund due will be computed on a 90% of a daily pro rata basis for the full term premium.

Billing Periods

When will my payment be taken out?
Your first payment will be charged at the time your policy is purchased. Future payments will be deducted every month the day before your policy's effective date (or the closest available day prior to that day).
How do I view my payment history?
To view your payment history, log into your Toggle account, click My Payments at the top of the screen and scroll down to see your billing summary.

Payment Changes

How do I update my credit card?
You can change your credit or debit card under My Payments on the My Coverage page when logged in to your Toggle account.
What happens if I change my policy?
If you make a policy change that increases your monthly cost, you’ll be charged instantly. If your change results in a lower monthly cost, we’ll refund your debit or credit card, typically within 3 business days. In rare cases, your bank or credit card issuer may be unable to process your refund and will notify us. If that’s the case, we’ll issue you a check with your refund. Moving forward, the policy changes you make will be incorporated into your regular monthly payment.