Independent Auto, Home & Business Insurance in Toledo, WA

Real insurance help from people who live where you live. We make it easy to get the coverage you need—with a simple phone call.

Insurance That Fits Your Life in Southwest Washington

Locally owned, community trusted, and easy to reach when you need us

We’re not a big, faceless company—and that’s the point. At our agency, you’ll talk to the same people every time. Whether you’re insuring a vehicle, protecting your home, or setting up coverage for your small business, we’ll help you get exactly what you need with no pushy upsells or confusing lingo.


We’ve been serving families and businesses throughout Toledo and Lewis County for over 30 years, offering personalized insurance solutions with small-town values.

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Quick, Friendly Service by Phone

We make it simple to get answers or update your policy—just call us directly. No call centers, no waiting.

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Same-Day SR-22 Filing Available

If you need an SR-22 filed fast, we’ll handle it the same day so you can get back on the road.

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Multiple Insurance Carriers

We work with a wide range of companies to offer competitive pricing and coverage options tailored to you.

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Located in Toledo, Washington

Our agents live and work here. We understand the community and the coverage that matters in our region.

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Personal Support from Local Agents

You’ll always deal with someone you know—no scripts, no confusion, just real help from people who care.

Auto, Home & Personal Insurance in Washington

From your first car to your family home, we help you cover the things that matter most. Our personal insurance services include auto insurance (with optional SR-22 filings), homeowners and renters coverage, protection for motorcycles and RVs, and umbrella policies for extra peace of mind.


We’ll walk you through every option and help you bundle policies when it makes sense—no pressure, just honest advice.

Insurance Solutions for Small Businesses

If you run a business in Toledo or anywhere in Lewis County, we’re here to help you protect it. We work with local businesses of all types—contractors, storefronts, delivery services, rental owners, and more—to provide customized insurance that fits your operations and your budget.


From general liability and business property to commercial auto and umbrella coverage, we’ll build a plan around what you need.

Your Neighbors in Insurance

Rooted in the Community, Invested in Your Future

We’re proud to live and work in Toledo. When we say we’re local, we mean it—our agents support local schools, volunteer at community events, and know the names of our clients by heart.


Whether you need help with a claim or want to review your policy, you won’t be transferred to a stranger. You’ll talk to someone who lives here, just like you.

Meet Our Team

Why Local Matters

We Know You. We Work for You.

In a world of 1-800 numbers and national chains, personal service still means something. That’s why we’ve built our agency on relationships, not transactions.

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Call to Talk, Not Click

Speak directly with an agent who understands your needs—no bots, no scripts, just help.

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Real People, Real Service

We’re part of the community, not just a company. When you call, you’ll hear a familiar voice.

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Coverage You Can Count On

We partner with top insurance carriers to offer reliable protection tailored to your situation.

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What Our Clients Say

Real Reviews from People Around Here

Jamie is great. She is quick to respond, ans always tries to find us the best prices on everything we have. Definitely recommend to everyone in the area.

Jamie is great. She is quick to respond, ans always tries to find us the best prices on everything we have. Definitely recommend to everyone in the area.

Angela Miller

I have been a customer with Phillips Insurance Group for a very long time and they have always been available to help me with anything I need for auto insurance.

janell lyvere

Excellent service!!!

Rick Mainini

Rachel is very friendly and helpful . Her office is nice and everyone is kind.

Lisa Crawford

Very friendly staff

Rob Medina

Wonderful people and staff

Shirley Moore

Good people

Robert Sweeney

The service is always great and the representatives are friendly and helpful.

Kay Lyon

As insurance costs rose, Phillipps Insurance Group stepped up and researched the best rate with the same coverage I currently had. They were able to save me money every month on my bill. The customer service was terrific! I was kept in the loop at all times; they continued to check on me to make sure I did not have any questions or concerns and they were knowledgeable, respectful, and friendly. Importantly, I never felt pressured to switch to their company. They always left the final decision in my hands with no animosity, giving me a sense of control and ease. Thank you for everything! Michelle

Michelle Riffe

I absolutely love this company

Crystal Clark

Jamie and Rachel are amazing

Amber Marie Naumann-Finley

Always available to answer your questions. Very helpful

Jeanette Hoffmann

Friendly and knowledgeable, always looking for the best rate to accommodate my car insurance needs. They have been very helpful over the past 10+ years

Laurie Miller

All insurance needs& questions have always been immediately fixed,great place to do business with.

Jerry Bowen

Great customer service and fast response when I need them.

Eric Phillipps

Very helpful and committed to their customers insurance expectations.Also willing to go beyond the norms , To find you the coverage you need.

River Rat

i recently switched policies moved from washington to oregon and had no idea how difficult that could be when it came to my car. I had the absolute pleasure of working with Rachel. She made the switch feel completely smooth, i work a busy job so i don’t have a lot of spare time to be on the phone, she communicated via email which was a huge bonus, and saved me a substantial amount of money while keeping my coverage limits the same! great experience overall! highly recommend!

Sam Sessions

Excellent pizza!. Friendly service great way to visit family & celebrate a birthday!.

Kimberly Hartman

Philipps Insurance Has taken care all of our insurance needs for a long time Very Happy :) 5 stars for sure

Miriam M.Stone

The agent was a pleasure to work with and answered all of my questions to my satisfaction.

Dave Brenner

Phillipps insurance Group inc has great team and reasonable rates, respond to my questions very fast. I recommend them to anyone who needs help with insurance

Hamid azizi

Phillipps Insurance have been very helpful in finding insurance that we can afford. They have also been great in responding back quickly to our questions. I would recommend them for your insurance needs.

Jan McKenzie

always kind and helpful.

Denny Femrite

Always helpful, & always keeps me updated on any savings. Anytime I have questions, they are right on it! Very polite & friendly. Would recommend their service!

Donna Wallace

Pleasure to work with for our insurance needs. Nice to have someone local we trust and can get ahold of easily.

Devon

Very nice people that work here

Terry Bouback

So caring ,kind, and helpful, always has answers to our questions. Number 1 insurance company with us.

Katherine Wassenaar

Phillipps Insurance has been taking care of my personal and business insurance for years. They always take care of every detail so I don’t have to worry about anything.

Steve Ethridge

We are glad we made the switch from our last insurance company to this one. She is very easy to work with and knowledgeable.

Sami Auman

It is obvious to my wife and I that at any time we reach out to our "Insurance folks" at Phillipps, we are treated like a special "family" member, rather than just a "Client". We feel very privileged to have such a relationship with all that are employed within the office at Phillipps.

randy pennington

I have been a customer of hers for years. Have always been on point and does a top notch customer service every time. You will always never go wrong..

Mary D

They are an amazing group to work with. Helped me get the best rate for my car insurance without taking me to the bank. Always friendly and helpful whenever I need to talk with them.

Karyn Parkhurst

It's nice to have service from someone who knows your unique situation... you're not just a number with Rachel!

Grady Fallon

Phillips Insurance has been so good to us over the years. Rachel and her team are so attentive to our needs. When I have questions or need to add or remove a vehicle from our policy Rachel and her team are so quick to respond and take care of our needs. They constantly shop rates to make sure we are paying the best price for our policies. I’ve never been happier with an insurance company before.

S Wallace

Our family has been so pleased with the incredible service at Rachel's office. Her team is always kind, helpful, efficient and timely. She is honest, knowledgeable and great at breaking down what is needed to protect our family and assets. Her personality is amazing also. Would recommend!

J Moore

Excellent friendly service. Gets the job done quickly and efficiently.

DD Ward

I was thrilled discover such a professional, full-service insurance provider here in lil ol' Toledo, WA. Small-town friendliness with top-notch service. And the coffee rocks!

David Rue

The service was excellent! The price was not excellent, which was not your fault.

Bill Iannaccone

Great people and quick response.

John Stimson

Nice, friendly, service that provides what I need.

Darrell Smith

Rachel and her staff always handle any concerns or requests I have very quickly and effectively.

Lauri Heffington

Rachel rocks! Been doing business with her almost 8 years and I'm still happy! Thanks!

Charles Parsons

A small town insurance company, always there to answer questions and help where needed. Love being able to walk in a get assistance or just have a face to face conversation! Great customer service, highly recommend.

tawni shepherd

This company is so awesome. They treat us like family. If there are changes on the horizon to our policy they are so on it. They contact us to get permission to change. They do all the paperwork for us and they never skip a beat. They give us there personal touch by going out of there way to wish us a Happy Birthday or on any holidays, they drop us a quick note. These ladies are AWESOME. The best I have ever had. Thank you Ladies of Philips Insurance of Toledo Wa. You all ROCK.

COLLEEN LEMON

Rachel is so kind and professional. You won't be disappointed by choosing her as your agent! She'll find you the best rates and is there to help immediately, when you're in need! I've been with her for years!

BRIGITTE OBEST

Excellent customer service, took the time to go over our policy

Cheryl Millman

The staff is truly amazing and really nice and respectful! Jamie was the one who helped us and answered all the questions we asked with politeness and clarity! They truly went beyond for my family on auto and home insurance!! Thank you Phillips staff for helping us and just being amazing at what you do and actually looking out for us the customers!!

DeELL Younker

Rachel is great! She is what great service is all about.

Sharryl Hamrick

Let’s Talk Insurance That Works for You

Whether you’re updating a current policy or shopping for the first time, we’re here to help. We’ll explain your options clearly and handle everything by phone or in person—whichever you prefer.

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