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With Toggle, most policies are enrolled in autopay, meaning that your payments are automatically drafted from your payment method of choice on a regular basis (typically the evening before your scheduled payment due date). If you have a payment that is past due, you can update your credit or debit card on file and the past due amount will be processed at that time. To update the card on file, simply log into your online account at, click "My Payments", and then click "Update" under "Payment method". Enter in your new card information and click "Update".  more

With Toggle Auto and Renters insurance, the first month's premium will be due when you first set up your policy. Then we'll automatically deduct your monthly premium each month after, from the credit card or debit card provided. You can also pay in full for a Toggle Auto policy at the beginning of the policy term and again automatically at renewal. With Auto policies converted from 21st Century, most payment methods are still available. You can select from the following pay plans: monthly, 2-pay, 4-pay, and pay-in-full. We also offer automatic payments. Regardless of which pay plan you select, payments can be made by credit card, debit card, bank account, or by check or money order sent by mail. With Toggle Home insurance, you can pay in full for your policy at the beginning of your policy term using a credit or debit card. You may also pay the policy premium through escrow. We'll deduct your annual premium at the start of your policy term and again automatically at policy renewal.  more

Toggle Renters 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 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). Toggle Home policies are full-pay only, by credit or debit card or through escrow. more

If you have Toggle Renters or Auto insurance and 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 policy active. We’ll attempt to re-bill the card you have listed with Toggle twice more before we’ll need to cancel your policy for non-payment. If you have Toggle Home insurance and the charge to your credit or debit card fails at the time of purchase, you will be notified and asked to provide a new card before the purchase can be completed. more

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 after 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. more