Best Otto Insurance Reviews 2026

Otto insurance prides itself on the best insurance platform that connects insurance buyers and providers online.

You’re probably one of the millions of Americans who are shopping around for the right insurance but is confused about the one to choose from. With the Otto insurance tool, you can easily compare multiple insurance rates online and determine which tools are reliable.

Before you get Otto, it’s important you learn how it works and the users’ reviews about it.

Table of Contents

What is Otto insurance?

Otto insurance is a lead-generation website that sends your information to its vast network of 1,000 affiliates and partners rather than immediately returning quotes.

It’s extremely simple to use, but don’t expect to get quotes right away. They will gather your personal information before connecting you with one of their many insurance agents to continue the quote process.

How Otto insurance works

When you visit the Otto website, you will be asked to select one of several types of insurance, including:

Auto
Pet
Home
Life

You’ll then be asked to complete a brief questionnaire that will ask you questions about yourself and the item you’re looking to insure. While the entire process is relatively simple, you won’t be able to view any of the available quotes unless you enter your contact information.

Here are the steps to follow to register with Otto insurance:

On the website, click ‘Get Started Now.’
You’ll be asked questions about yourself, your home, and your vehicle.
You must inform Otto whether you are purchasing insurance for the first time or if you already have one.
Otto guarantees to find you the best insurance rates possible.
Otto will inquire about your vehicle after you have completed your profile.
You can complete this section yourself or have Otto look up your vehicle information using your home address and name.
Otto will notify you within minutes if you qualify for significant discounts.
Before entering your phone number and name, you should read the fine print.
Otto’s marketing partners or affiliates will contact you after you click the ‘Get Your Free Quote Button.’
Keep in mind that Otto does not provide any additional information. It simply compares two carriers and provides a link to each company’s website.

Is Otto Insurance legit?

Otto is a legitimate business, but it is not an insurance company. It’s a lead generation website that connects customers with insurance companies and carriers.

According to the company, it offers auto insurance rates as well as quotes for a pet, home, and life insurance. Its headquarters are located in Miami Beach, Florida.

There isn’t much information available about when Otto Insurance was established. According to Crunchbase, the Otto Insurance website receives over 1.7 million visitors per month.

Otto Insurance does not have an AM Best financial strength rating because it is not an insurance company. For the same reason, it does not appear on J.D. Power’s rankings of auto insurance companies. It also does not have an active Better Business Bureau profile.

Be prepared for a lot of phone calls if you go through the Otto quote process. The majority of Otto Insurance’s negative online customer reviews are about consumers receiving multiple calls, emails, and texts after applying for a quote on the Otto Insurance website.

Best Otto Insurance reviews

Though the company provides plenty of positive Otto Insurance reviews, things get a lot less favorable on other review sites. The company’s Facebook reviews page, for example, shows an overall rating of one out of five stars.

One of the most common complaints in Otto Insurance reviews is that the companies with whom Otto shares your information are not afraid to contact you. This usually results in a flood of unsolicited spam calls and emails.

Furthermore, many users complained that Otto directed them to their own insurance providers, where they were offered even more expensive quotes than they were already paying.

While Otto Insurance claims to make comparing different rates easier, it actually provides you with very few quotes. You’ll be directed primarily to third-party websites of insurers in your area, with whom you’ll need to speak directly in order to obtain a truly customized quote.

Otto car insurance reviews

OTTO is a website that compares insurance quotes online. It is not a car insurance company, and it does not sell standard or non-standard insurance coverage. As a result, you will be unable to file any OTTO car insurance claims or purchase any specific coverage options from this company. Furthermore, there is no such thing as average OTTO auto insurance rates.

Instead, you fill out a brief online form on the OTTO website. After you submit the form, you will receive quotes from multiple legitimate auto insurance companies based on your information.

You cannot select which companies you receive quotes from, as with many other online quote comparison websites. Instead, the data is distributed to a network of over 1,000 company partners or affiliates.

Furthermore, despite the website’s claim of receiving quotes in as little as 30 seconds, the quoted rates are not guaranteed. Instead, you speak with an agent who represents the company in question.

Additional personal information is frequently required by the auto insurance company. Then you’ll get your final, accurate quote. This is standard practice for many online quote comparison websites.

How to get Otto car insurance quotes?

To obtain OTTO auto insurance quotes, go to the company’s website and click the SEE MY RATES button. You must then complete a brief online form with information such as your ZIP code, vehicle make and model, and other details. You also provide information about your current auto insurance provider.

Remember that you are not receiving rates for a policy from OTTO. Instead, the company sends your information to thousands of affiliates and agents, who provide you with a quote for coverage.

Some auto insurance representatives may contact you via your phone number or email address after the partner companies receive your information.

Keep in mind that depending on where you live, the lowest OTTO rates may not be available from the auto insurance companies listed. It is then up to you to decide which companies to contact for a final quote.

Otto Insurance Contact Information

Otto’s contact information is listed below, including their headquarters address, email, and phone number:

Headquarters: 429 Lenox Ave Fl 5, Miami Beach, FL 33139
Phone: 1 (888) 596-1534
Email: info@ottoinsurance.com

Conclusion

OTTO allows you to compare free auto insurance quotes from various companies online. However, some customers claim that using this website may result in more phone calls than quotes. Understand that secure, reputable online comparison websites will never ask you for money or your credit card information. If a quote comparison website requests that information, it could be a scam or a phishing site.

FAQs About Otto insurance

Yes, OTTO enables you to obtain free auto insurance quotes from various companies online.

According to the Otto website, they can get car insurance for as little as $19 per month, but this is difficult to verify.

Joshua Keller is the CEO of otto insurance.

Reference

www.insurify.com– Otto Insurance Reviews: Quotes, Rating
www.insuranceproviders.com– Can You Save Money with OTTO Auto Insurance?
www.trustpilot.com– Otto Car

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Author

Achugamonu Uzoma

I am a finance lecturer at a reputable university. My experience both as a professional accountant, financial analyst, and researcher spans over 20 years. My current area of research includes financial intermediation, capital structure and investment, financial inclusion, and capital markets. I am a recipient of several awards, including the Grooming Research Grant award among several others. I have more than 35 high-impact journal publications and conference proceedings.