Otto Insurance Reviews and Ratings for Car, Home, & Pet Insurance

When looking for an insurance policy to buy, the best option should be comparing quotes from different insurance companies. Otto insurance in this regard is one site that can help ease the difficulties of this process, by providing you with multiple quotes from insurers to assist you in making informed decisions.


Otto currently provides quote comparisons for car, home, pet, and life insurance through marketing partnerships with insurance companies that offer these policies.

By providing the required details on their website, Otto can connect you with several well-known insurance providers including Geico, Liberty Mutual, Farmers, State Farm, 21st Century, MetLife, Travelers, and Esurance.


Note that Otto is a lead generation site and not an insurance company, so it does not directly sell insurance policies but can match you to the perfect policy based on the information you provide.

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Where Otto insurance stands out

  • Fast and free quote
  • Access to quotes from multiple insurers
  • Help you save on insurance

Where Otto insurance falls short

  • Does not directly sell insurance policies (Not an insurance company)
  • Limited information about the website
  • You may receive unwanted calls from agents since they share your details with third parties
  • Quotes are only available on the matched site and not the Otto website

Tips for Using Otto

  • Start with basic information about yourself. When you begin with Otto, you’ll need to complete a form with basic information about yourself. You’ll provide details like your name, address, and contact information. Additionally, you’ll specify the type of insurance you need, such as auto, home, or pet insurance.
  • Compare quotes. Otto connects you with licensed agents who offer multiple insurance quotes from different carriers. This allows you to easily compare rates and coverage options to find the policy that best fits your needs.
  • Check the Company: Since you can’t choose the insurance company you want, you should research the insurance company provided to you. Look for good customer reviews and financial stability. You will always want a company that will satisfy your needs.
  • Ask about discounts. Many insurance companies offer discounts, such as safe drivers, and bundling multiple policies together. You can ask about this when seeking a policy
  • Understand your coverage options. Understand coverage options when comparing insurance policies on Otto to choose the right coverage at an affordable price.

What we know about Otto insurance

Otto Insurance is a lead generation website that matches customers with the right policy from the information they provide. They offer several types of insurance quotes including home, car, pet, and life insurance quotes. Otto is headquartered in Miami, Florida.

The company works with a network of licensed agents and carriers to provide cheap insurance rates and free quotes to customers. If you’re looking to compare insurance rates to meet your coverage needs and budget, Otto insurance may be an option to consider.

Much isn’t known about Otto’s history and how they operate. However, information from Crunchbase says that the company was founded by Joshua Keller, who is the current CEO of Otto and has been in business for years now.

How to get started with Otto insurance

Whether you need a car, home, pet, or life insurance policy, Otto can provide you with the right quotes. The first step is to visit the company’s website, select the type of insurance you want (car, pet home, and life), and provide your zip code.

A few other questions will be asked about your basic details which you will need to provide to be matched with the right carrier.

For auto insurance, these questions will include:

  • Your vehicle year, make, model, and trim
  • Options to add another vehicle. This can save you 20%
  • Current insurance status
  • Your gender
  • Your marital status
  • Your credit score
  • If you’re a homeowner
  • Birthdate
  • Number of drivers
  • Name & email
  • Address & phone number
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This procedure is quite similar when getting quotes for pet, home, or life insurance from Otto.

Otto will not underwrite policies for you. The information you supply will be sent to third-party providers who will then contact, message, or mail you with the quotes. After completing the form you will be automatically matched with an insurer. You can now proceed with getting a quote from the insurance company.

Keep in mind that by clicking the “Get Your Free Quote” button, you agree to Otto’s T&C which grants them the right to contact and share your personal information with their partners and affiliates.

In addition, just like other Otto alternative websites, you cannot choose the specific company you can receive rates from.

Also check: Hugo Car Insurance Review: Cost & Coverage

Otto discounts

Since Otto is only a lead-generation site, it does not offer discounts directly, except through its marketing partners. For example, if you add more than one vehicle to your quote, they can connect you with insurance companies that offer discounts for adding more than one vehicle.

Otto Insurance cost

Generally, the cost of an insurance policy depends on several factors including coverage limit, age, location, coverage add-ons, and credit score. Since Otto’s website only compares multiple quotes from different insurance companies, they do not decide the actual cost of the policy, but the insurance companies they match you with.

On average, you can expect to pay around $2,150 for full car insurance coverage in the U.S.


Otto is available in all 50 states.

What people are saying About Otto

Otto has received mixed reviews from customers on Trustpilot, with most citing unwanted and spam calls from multiple agents. The company at the time of writing currently has a 2.1-star rating on Trustpilot from 9 reviews which amounts to a poor rating on the website.

“They called me ~12 times within 3-4 hours from several numbers, so I couldn’t block them. I answered twice and asked them to stop. I understand sales calls, but this is blatant harassment & I will be filing a report with the appropriate government agencies. Don’t give your information to this website unless you want your phone to ring incessantly.”, a user said on Trustpilot.

Otto reviews and ratings from BBB

Otto is not BBB accredited and also has little to no reviews and ratings from the website.

Also check: Sure Renters Insurance Reviews

Is Otto Insurance Legit?

From the little you read about Otto, you might be wondering if the company is legit or a scam. Well, while Otto may be the subject of mixed reviews, the company operates legitimately and has been offering insurance quotes for customers.

It is a lead-generation company that only connects you with agents and insurance companies. While it operates online, it also has a physical presence in Miami, Florida.

Comparing Otto with other lead generation sites

Not convinced about Otto’s customer reviews, Here are other insurance comparison websites that you can trust.


Based in Palo Alto, California, Jerry has an app that allows customers to compare auto and home insurance quotes from well-known insurance companies. Like, Otto, it operates in all 50 U.S. states and Washington DC.

While Otto does not have a BBB rating and accreditation, Jerry has a B+ rating from BBB. Getting started on Jerry is very simple. Simply download their mobile app on Google Play or App Store to start comparing quotes.


Insurify is another reliable alternative to Otto. Just like Jerry, Insurify provides quality insurance comparison services. Headquartered in Cambridge, Massachusetts, Insurify is licensed and operates in all 50 states. Their partners include top names like Nationwide, Liberty Mutual, and Progressive.

Insurify has good customer ratings and reviews from customers on Trustpilot, with a 4.5-star rating. It is also BBB-accredited with an A+ rating.

You can visit their official website today to find out more about insurance quotes.

The Zebra

The Zebra is another Otto alternative you can use in comparing car insurance quotes. The company compares insurance rates from more than 200 carriers to match you with the perfect policy. They have been in business since 2012 and have helped millions of consumers find affordable insurance.

The Zebra has mixed and positive reviews from Trustpilot and other aggregator sites with most praising their excellent service. On Trustpilot, The Zebra has 3.8 stars and has been accredited with an A- rating on BBB.


EverQuote is a lead-generation site for finding quick and easy online quotes. They have a similar website interface and operations to Otto. EverQuote has been operating since 2011 and currently compares auto, life, home, and renters insurance quotes.

Their partners include Toggle, Liberty Mutual, Mercury Insurance, Country Financial, The General, Progressive, and many more.

EverQuote has a B rating and accreditation on BBB. But on Trustpilot, they have received mixed to poor reviews and have been rated 1.7, with many complaining of spam and incessant calls.

Our Verdict

Without comparing quotes from different insurers, you may not get the perfect policy, and while Otto can help you achieve this, you might probably not be satisfied with their service.

This is mainly because your contact information will be shared with multiple agents who can send spam calls which you might find intrusive. Reviews from other customers on Trustpilot clearly backs this assertion.

However, while these reviews can be valid and helpful, they should not be the sole factor in your decision-making process. This is because reviews are subjective and personal opinions that may not align with your specific needs and expectations. What matters to another may not matter to you.

Also, an individual’s experience with an insurance company can be unique. What worked or didn’t work for one person may not apply to your situation.

Lastly, since online reviews often focus on specific incidents. It doesn’t provide a complete picture of the insurance company’s overall performance, including financial stability or customer service.

To this end, Whether Otto insurance is good or bad will be based on your personal experience from the site, and not from online reviews.

Frequently Asked Questions (FAQs)

Are the quotes on Otto’s website accurate?

The quotes provided on Otto’s website are generally accurate, but they are estimates based on the information you provide.

Does Otto charge a fee for their services?

Otto is free to use and does not charge a fee for its service.

How does Otto make money?

Otto makes money by receiving a commission from insurance providers when users purchase policies through their platform.

What types of insurance can I compare on Otto?

You can compare various types of insurance on Otto, including auto, home, life, and pet.

Can I get assistance or customer support from Otto?

Otto offers customer support and assistance. You can speak life with an agent at 1-888-904-1907.

Does Otto have a mobile app for comparing insurance quotes?

No, unlike Jerry who operates a mobile responsive app, Otto does not own any app, for comparing quotes.

Is my personal information safe when using Otto?

As a reputable insurance comparison website Otto takes privacy and security seriously. But be sure to read their terms and conditions and privacy policy before getting a quote.

How do insurance quote comparison websites work?

Users typically enter their personal information and insurance requirements into the website. The website then generates a list of insurance options from different companies, based on the provided information.