Otto Car Insurance Reviews 2023: Is It Legit?

Otto Car Insurance Reviews 2023 Is It Legit

When shopping for car insurance, you may come across Otto Car Insurance. Reading our reviews before you go through the quote process with Otto will help you a lot.

There are many tools available today that allow you to compare different insurance quotes online without contacting insurance agents.

This means that after you give Otto your information, it will share it with its marketing partners. Leading insurance companies like Progressive, Geico, State Farm, and Allstate are among its partners. Regional carriers and other marketing firms are also on its partner list.

Let’s take a closer look at Otto and see how it compares to other well-known quote-comparison websites.

What is Otto Insurance?

Finding the appropriate insurance is not simple, but the Otto insurance tool stands out in the sea of choices. Instead of immediately providing quotes, this lead generation website sends your information to its enormous network of 1,000 affiliates and partners.

Though very user-friendly, don’t count on getting quotes right away. Otto will gather your personal data before connecting you with one of their many insurance agents to continue the quote request. Read more: Average Cost of Car Insurance

Otto Car Insurance Reviews 2023: Is It Legit?
Otto Car Insurance Reviews 2023: Is It Legit?

Pros & Cons


  • Easy to use
  • Free to use
  • Connects you with thousands of affiliates
  • Offers quotes for car, pet, home, and life insurance


  • Not an insurance company
  • Little information is available about the company
  • Doesn’t quote prices
  • Shares your information with insurance agents, so you may receive many calls and emails
  • You can’t choose what companies you want rates from

How Does Otto Insurance Work?

Otto Insurance makes the assertion that it is your one-stop shop for comparing the best rates provided by various insurance providers. Upon arriving at the Otto website, you’ll be prompted to choose from one of several different types of insurance, including:

  • Auto
  • Pet
  • Home
  • Life

After that, you’ll be required to answer a few questions about yourself and the item(s) you want to insure on a brief questionnaire. Although it’s a fairly simple process, you won’t be able to see any of the quotes without providing your contact information.

This is where things can get a little dicey for many customers.

Otto Car Insurance
Otto Car Insurance Reviews 2023: Is It Legit?

Is Otto Insurance Legit?

While Otto is a legitimate company, it is not an insurance company. It serves as a lead-generation platform that links customers to insurance companies and brokers. According to the business, it offers auto insurance rates alongside quotes for pet, home, and life insurance. Its main office is in Miami Beach, Florida.

Regarding the date that Otto Insurance Group was established, little information is known. Joshua Keller is the business’s CEO and owner, according to Crunchbase. According to Keller’s LinkedIn profile, he is an entrepreneur who founded several businesses, including Union Square Media Group, the parent organization of Otto Insurance.

According to Crunchbase, the website for Otto Insurance receives more than 1.7 million visitors each month.

Otto Insurance does not have an AM Best financial strength rating because it is not an insurance provider. Additionally, J.D. does not contain it. The same justification can be found in Power’s rankings of auto insurance providers. Additionally, it does not currently have a Better Business Bureau profile.

Be prepared for numerous phone calls if you choose to use the Otto quote process. Most online complaints about Otto Insurance center on customers receiving numerous calls, emails, and texts after requesting a quote on the company’s website.

This guide will go over how to wash a car at home and some frequently asked questions about best practices for washing cars in order to assist you in keeping your car clean. 

Is Otto Insurance Legit?
Is Otto Insurance Legit?

What Insurance Does Otto Insurance Offer?

Otto Insurance does not actually provide insurance coverage products because it is not an insurance provider. Full coverage car insurance is a great choice especially choosing car insurances. However, the company claims to work with over 1,000 affiliate insurance companies that offer different types of car insurance coverage, such as:

  • Liability coverage: The majority of states mandate that all motorists maintain a minimum level of property damage and bodily injury liability coverage. This coverage will help to pay for injuries and property damage to other drivers in the event that you are found to be at fault for an accident. How Much Does General Liability Insurance Cost?
  • Collision: If you have an accident with a car or something else, like a fence or light post, this helps to cover damage to your car. Regardless of who caused the accident, collision insurance helps to pay for the repair or replacement of your car. So, How Much Will Insurance Pay for My Totaled Car?
  • Comprehensive: When your car sustains damage other than from a collision, this coverage can help cover the cost of repair or replacement. Vandalism, fires, flooding, theft, and collisions with animals like deer are all examples of covered events.
  • Personal injury protection (PIP): No matter who was at fault, PIP insurance helps to pay for your medical bills, lost wages, or funeral costs if you are in an accident. Why is Car Insurance So Expensive?
  • Uninsured/underinsured motorist: If you are in an accident with a driver who has little or no car insurance, this coverage can help to protect you.
  • Medical expense: If you get into an accident, this coverage will act as a backup to your health insurance to help with the cost of your medical bills.
  • Guaranteed Auto Protection (GAP) insurance: This coverage pays the difference between the car’s current value and the total amount of your car loan if you are still paying off your car loan and have an accident. But, How Much is Gap Insurance?
  • Rental reimbursement: If you need to rent a car while yours is being repaired after your car is damaged in an accident, this coverage will pay you up to the policy’s maximum.
  • Roadside assistance and towing: If your car battery dies, you get a flat tire, or you lock your keys inside the car, this coverage will come in handy.
  • Non-owner insurance: If you use a car that you don’t own, such as a rental car or a friend’s car that you borrow, you are covered for any property damage or injuries you cause. Check for How to Get Car Insurance Before Buying a Car?

The Otto Insurance website also enables you to get quotes on other types of insurance:

  • Pet insurance.
  • Home insurance.
  • Life insurance.

Bundling is not available on the website, but Otto Insurance’s partner insurance provider may offer it. You will be asked if you want to combine your car insurance with your home or renter’s insurance during the quote process. Otto may base his recommendation for an insurance company on your response. Check for What Age Does Car Insurance Go Down?

Speaking of Rental Cars, You Pobably Want to Know:

What Insurance Does Otto Insurance Offer?
What Insurance Does Otto Insurance Offer?

How to Get An Insurance Quote from Otto Insurance?

By visiting the website and entering your zip code, you can begin the process of getting car insurance quotes through Otto Insurance. You will then be guided through a series of questions by the platform to help you find the best auto insurance provider for your requirements.

Questions you’ll be asked include:

  • the year, make, model, and trim of your car.
  • Should you decide to add a second car.
  • if in the last 30 days you’ve had auto insurance.
  • who manages your auto insurance at the moment.
  • Your gender.
  • Your marital status.
  • Your credit score.
  • whether your home is rented or owned.
  • If you’d like to receive quotes on renters’ or homeowners’ insurance policies? (for bundling options).
  • Your birthdate.
  • your home’s number of drivers.
  • Your name.
  • Your email.
  • Your address.
  • Your phone number.

You may want to know: How Long Does It Take to Get Car Insurance?

How to Get An Insurance Quote from Otto Insurance?
How to Get An Insurance Quote from Otto Insurance?

Otto Reviews: Here is What Customers Are Saying

Even though Otto Insurance displays hundreds of positive reviews on their website, it can be challenging to locate any kind of review online. We did some digging and came across some reviews from unsatisfied customers:

1-Star Rating – Doesn’t Recommend Otto Insurance – Scott A Fussnecker

“Tell people to expect a barrage of calls from businesses trying to sell you their insurance. Clicking on your advertisement was the worst mistake I’ve ever made.”

1-Star Rating – Doesn’t Recommend Otto Insurance – Katrina Siverts

“I concur with every comment that has been made. I have been receiving so many calls that it is terrible service. How can they improve? Stop misrepresenting their services to the public. They merely distribute your number to all the nearby insurance providers; it is a scam. Then they continue to call repeatedly. Horrible service.”

1-Star Rating – Doesn’t Recommend Otto Insurance – Chaim Friedman

“Lying to the public and representing yourself as an insurance company when you are really just a referral business is a scam. I want to know how to report to Google to remove Otto insurance from being searched, and YouTube should stop running their advertisements because they are misleading the public.”

Top Car Rental Reviews:

Otto Reviews: Here is What Customers Are Saying
Otto Reviews: Here is What Customers Are Saying

A Better Alternative to Otto Insurance Services

You can also check out to find affordable rates if you’re looking for a quick way to compare insurance quotes. You can be sure that they never sell your personally identifiable information. Just enter your zip code and they’ll direct you to some of the best choices for auto, home, renters, or life insurance.

How does car insurance work? The purpose of having auto insurance is to safeguard your finances in the event of an accident. Auto insurance can assist in paying for repairs to your car and medical care for your injuries if a tree falls on your car or you are the victim of a hit-and-run. It also provides liability coverage, in case you are at fault for an accident that causes injury or property damage to others.

You May Also Like: Jerry Car Insurance Review

Otto Insurance FAQs

What is the Minimum Coverage for Otto Insurance?

For Otto Insurance, there is no minimum level of protection. A minimum amount of auto insurance is nevertheless mandated for all drivers in almost all states. Before getting car insurance quotes, you should find out what your state mandates.

What is the Difference Between Otto Insurance and Hartford Insurance?

Otto Insurance is not a real insurance company, whereas Hartford Insurance is. A website for generating leads, Otto Insurance collaborates with marketing and insurance firms.

How Much Does Otto Insurance Cost?

Requesting a quote from Otto Insurance is free of charge. Explore the answer: Average Cost of Car Insurance for 18-Year-Olds How Much is Car Insurance for a 16-year-old

Is Otto An Actual Insurance Company?

While Otto is a legitimate company, it is not an insurance company. It is a lead generation website that links customers to insurance carriers and agencies. According to the business, it offers quotes for pet, home, and life insurance in addition to auto insurance rates. It is headquartered in Miami Beach, Florida.

Does Otto Insurance Sell Your Information?

OUR DEALERSHIP DOES NOT SELL OR RENT INFORMATION ABOUT YOU TO OTHERS. We may share your information with our affiliated companies (companies connected by common ownership) in order to operate our business and provide you with the goods and/or services you may desire.

Final Verdict on Otto Car Insurance

If you’re shopping around for car insurance, it’s probably better for you to do your own research rather than use a lead generation website like Otto Insurance.

The results of the Otto Insurance quote process only recommended one insurance provider, and the system didn’t display any premium rates for us to compare. Instead, we were simply redirected to the insurer’s website, where we would have needed to enter all of our information again.

If you don’t want to receive a lot of calls, texts, and emails from marketing firms and insurance agents, you might want to avoid using Otto Insurance to get car insurance quotes. Finding rates on your own is probably more effective.

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