Otto Insurance Review: Updated Details in 2023

Otto Insurance – Otto Insurance review stands out as a leading insurance quote comparison tool in today’s market. In this review, we’ll delve deep into Otto Insurance’s offerings to help you determine its value for your needs. Dive in!

What Is Otto Insurance?

Otto Insurance acts as a bridge, connecting customers to a range of quality insurance policies. Although not an insurer itself, Otto partners with various agencies and carriers to offer competitive quotes for auto, home, renters, pet, and life insurance. With its extensive network of licensed agents, Otto aims to simplify the search for affordable and comprehensive coverage.

  • Phone number: (888) 804-5641
  • Headquarters: Miami Beach, Florida
What Is Otto Insurance?

Background About Otto Insurance 

Otto Insurance offers a free platform to quickly compare quotes for various insurance types, including auto, pet, home, and life. While not an insurer, Otto acts as a dedicated intermediary in the insurance sector, prioritizing consumer needs.

Based in Miami Beach, Florida, their remote team spans the U.S., partnering with both individual agents and major carriers to ensure competitive rates. Leveraging modern technology and vast industry experience, Otto ensures a secure environment for users to find their ideal insurance match, tapping into a broad network of U.S. carriers for swift and secure data matching.

What Insurance does Otto Insurance Offer?

Otto Insurance, while not an insurance provider itself, collaborates with over 1,000 affiliate companies that present a variety of car insurance options, including:

  • Liability Coverage: Mandatory in most states, it covers injuries and damages to others if you’re at fault in an accident.
  • Collision: Covers damages to your vehicle from accidents with other cars or stationary objects, regardless of fault.
  • Comprehensive: Protects against non-collision damages, such as vandalism, theft, or natural incidents.
  • Personal Injury Protection (PIP): Covers your medical bills, lost earnings, or funeral costs, irrespective of fault.
  • Uninsured/Underinsured Motorist: Provides protection if you’re involved in an accident with a poorly insured or uninsured driver.
  • Medical Expense: Acts as supplementary coverage for medical costs post-accident.
  • GAP Insurance: In case of an accident, this covers the difference between your car’s current value and the outstanding loan amount.
  • Rental Reimbursement: Offers compensation for car rentals while your vehicle is under repair.
  • Roadside Assistance & Towing: Assists during minor mishaps like a dead battery, flat tire, or lockouts.
  • Non-owner Insurance: Provides coverage when driving a vehicle you don’t own, such as rental or borrowed car.

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

While Otto Insurance’s platform doesn’t offer bundling directly, their partner insurance companies might. During the quotation phase, you’ll be inquired if you wish to combine your car insurance with home or renter’s coverage. Your response could influence the insurance provider Otto suggests for you.

How Does Otto Insurance Work?

OTTO serves as an intermediary in the insurance space, gathering and sharing user information with its extensive network of over 1,000 partners. Interestingly, not all of these partners specialize in insurance—some are mortgage lenders, solar companies, or energy providers.

How Does Otto Insurance Work?

Upon entering your data, OTTO seeks to connect you with partners matching your profile, potentially earning compensation for successful matches. The information OTTO requires encompasses ZIP code, vehicle details, insurance status, credit score, homeownership details, birthdate, and personal identifiers like name, address, and marital status.

However, instead of presenting immediate quotes, OTTO directs you to Provide Insurance—a platform collaborating with insurers seeking new clients. Although you get estimated rate details, neither OTTO nor Provide Insurance offers the insurance directly. Rather, various insurance entities will reach out to you with their quotes.

It’s crucial to note that by using OTTO, you’re giving consent for numerous communications from its partners. Despite any Do Not Call registry preferences, OTTO’s agreement allows its partners to contact you, and as some users have noted, they tend to do so quite actively.

Otto Insurance Pros and Cons


  • Comprehensive Comparison: Offers a wide range of insurance quotes including auto, home, renters, pet, and life insurance.
  • User-friendly Platform: Simple form-fill process makes it easy for users to get started.
  • Multiple Quotes: By connecting users with licensed insurance agents, they provide multiple quotes, ensuring consumers have choices.
  • Partnerships: Works with both individual agents and larger carriers to offer diverse options and potentially better rates.
  • Latest Technology: Uses advanced technology to swiftly and securely match consumers to suitable insurance options.


  • Not a Direct Provider: OTTO isn’t an insurance provider itself but rather a middle-man.
  • Potential Wait Time: Instead of immediate quotes, users may have to wait to be connected with an agent.
  • Privacy Concerns: Being a lead generation site, there may be concerns about how user data is shared with affiliates and partners.
  • Limitations: The quality and variety of quotes depend on OTTO’s network of agents and carriers.

Otto Insurance Review: How Reasonable Is It?

While Otto Insurance doesn’t directly support bundling, its partner insurers might. As you proceed with the quote process, you’ll be prompted about merging your car insurance with home or renter’s policies. Your preference may guide Otto in recommending a specific insurance provider to you.

How to Find Discounts

Whether you’re sourcing a quote from Otto or another provider, inquiring about potential discounts is a key strategy to optimize savings on your car insurance.

How to Find Discounts

Auto insurance discounts could include:

  • Automatic Payments: Enjoy discounts when you opt for auto-debit from your bank or credit card.
  • Defensive Driving: Discounts can be earned by completing a recognized defensive driving course.
  • Distant Student: Full-time students away at college without regular car access might qualify for this discount.
  • Good Student: Insurers often reward full-time students with a B-grade average or higher with discounts.
  • Homeowners: Owning a home can fetch you a discount, even if your home insurance is with a different provider.
  • Multi-car: Insuring multiple vehicles on a single policy can lead to savings.
  • Multi-policy: Bundling car insurance with other policies, like homeowners or renters, can offer discounts.
  • Pay in Full: Paying your premium in a lump sum, whether semi-annually or annually, can reduce overall costs.
  • Safe Driver: Maintain a clean driving record or use a driving-monitoring tool for potential savings.

How to Maximize Savings

To optimize your savings on car insurance, consider these strategies for a more favorable policy premium:

Improve credit score

Your credit score can influence your car insurance rates. Insurers often view drivers with lower credit scores as more likely to file claims. However, California, Hawaii, and Massachusetts prohibit using credit scores to set rates. In other states, aiming for a credit score of 700 or above might help you secure better insurance rates.

Drive a different car

The vehicle you drive can influence your insurance rates. While luxury cars like Teslas, Porsches, or BMWs might turn heads, they often come with higher insurance premiums due to a greater theft risk. Opting for an older vehicle or one with safety features such as airbags and anti-lock brakes could help you save on insurance costs.

Keep a clean driving record

A clean driving record can lead to more affordable car insurance rates. Insurance providers often view drivers with multiple tickets or claims as high-risk, resulting in higher premiums. On average, insurance costs can rise by approximately 49% following an accident.

Shop around

Insurance providers can offer varying rates for identical car coverage levels. Thus, it’s crucial to compare quotes from multiple carriers. Otto Insurance can be a valuable tool in this process.

OTTO Insurance Review: What Real Customers Say

OTTO has a low rating of 2.1 stars on Trustpilot, with a staggering 89% of these being 1-star reviews. Many customers label OTTO as “misleading” or even a “scam.” A common grievance is the lack of actual quotes provided, with users instead being inundated with unsolicited emails and calls from affiliated partners.

OTTO Insurance Review: What Real Customers Say-1

OTTO has received 11% of its Trustpilot reviews as three-star ratings, the highest for the company. A particular reviewer highlighted that, although they found a competitive quote, OTTO directed them through numerous comparison websites just to obtain three quotes.

OTTO Insurance Review: What Real Customers Say-2

OTTO Insurance is in the process of updating its profile on the Better Business Bureau (BBB) as of September 2023. Consequently, many customer comments are temporarily unavailable. Preliminary glimpses of the latest BBB reviews for OTTO seem to echo sentiments from other platforms.

OTTO Insurance Review: What Real Customers Say-3

Otto Insurance Alternatives 

If Otto Insurance doesn’t have the right policy for you, there are other platforms you can explore to find a suitable insurance option.


SelectQuote is a platform that compares insurance offers from top companies. They boast potential savings of 50% on life insurance and significant discounts on auto and home coverage. By utilizing their services, you can link up with a licensed agent to determine your life insurance requirements. Beyond life, auto, and home insurance, they also cater to renters, small businesses, and offer umbrella insurance policies.

The Zebra

The Zebra stands out as a leading insurance comparison platform. They provide coverage options for life, auto, home, renters, pet, and motorcycle, along with commercial and small business policies. Collaborating with some of the biggest insurance providers in the US, The Zebra ensures a comprehensive selection for users.


PolicyGenius stands out as a leading online insurance marketplace. Beyond offering a platform similar to others, they provide expert advice from licensed insurance agents to ensure customers find the best fit. Their coverage options include life, home, auto, and disability insurance.

Otto Insurance Review: Products and Services

Otto streamlines your search for essential insurance coverage. Key offerings from Otto Insurance encompass:

  1. Otto Auto Insurance
  2. Home Insurance
  3. Pet Insurance
  4. Life Insurance
  5. Commercial Insurance

Is OTTO a Spammy Site?

OTTO Insurance is a legitimate platform, but some Trustpilot reviews highlight concerns about unsolicited calls and emails after using the site. Instead of operating like traditional comparison sites where users choose which insurers to contact, OTTO distributes user information to its partners. 

While some partners are major insurers, others are unrelated businesses, leading to potential contact from non-insurance companies when sharing details with OTTO.

Otto Insurance Review: FAQs

Is Otto Insurance legit?

Yes, Otto Insurance is a genuine platform that links consumers with licensed insurance professionals and providers.

Why is Otto Insurance so cheap?

Otto Insurance doesn’t determine insurance prices. Instead, it gives users quotes from different carriers to compare. The rates can differ based on things like driving record, credit score, and location.

How does Otto Insurance make money?

Otto Insurance earns money through commissions from insurance carriers when someone buys a policy via its platform. The commission varies by carrier and policy but doesn’t impact the customer’s rates or choices.

Who is the CEO of Otto Insurance? 

The CEO of Otto Insurance is Joshua Keller. For more details about Mr. Keller’s professional background and achievements, you can visit his LinkedIn profile.

Final Thoughts

Otto Insurance Review offers a platform for users to compare insurance rates from different carriers. While the website is user-friendly and their agents are knowledgeable, there’s limited customer feedback available. Before making a decision, it’s wise to research various insurance options to ensure the best fit for your needs.

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