Otto Insurance Review: Is it Legit?

Insurance Otto is an online insurance lead generator that uses your personal information to match you with insurance companies that offer free quotes. Otto is neither a direct insurance provider nor a broker insurance. You’ll obtain actual insurance policies and quotes directly from insurance providers.

It’s understandable that many people are curious about whether Otto, a relatively new company, is trustworthy given the limited availability of reliable online information about them.

There are also a large number of complaints about Otto appearing online, most of which deal with ongoing solicitations from participating providers.

While this is not an unusual online marketplace for insurance, it is worth noting. In this review, I will explain how the Otto platform works. I will also share key features, pros and cons, as well as a few alternative options to Otto.

Otto is an online insurance marketplace based in Miami Beach, Florida that connects users to policies for life, commercial, pet, home, and auto insurance.

Otto doesn’t disclose the number of participating insurance companies, but they indicate that you can save more than $500 per year on your car insurance premium by making claims with American Family, Progressive, Liberty Mutual, Mercury Insurance, Farmers Insurance, AAA, (Allstate) Esurance, and Nationwide.

How Does Otto Work?

Unlike other insurance websites, Otto does not require an application. Instead, you can obtain a quote by completing a “free quiz.” According to Otto, they have assisted more than 10 million customers in finding the most favorable insurance rates.

Otto will request that you provide the subsequent details:.

  • Zip Code.
  • Vehicle age.
  • Vehicle brand and type.
  • Characteristics of your car.
  • The current insurance company you are enrolled with.
  • Please specify your gender.
  • Your marital situation.
  • Response: What is your credit rating? (Excellent, good, average, poor).
  • Confirm if you are a homeowner (or not) – you will have the choice to merge either a homeowner’s or renter’s policy in both circumstances.
  • Your birthdate.
  • Your given and family name.
  • Home address.
  • Email address.
  • Phone number.
  • When you click the blue “Get Quotes” button, you will begin receiving quotes. However, before proceeding, you may want to read the fine print. Please be aware that by providing your email address, phone number, and consent to receive marketing information about products and insurance from Otto’s website and its many marketing partners, you are also giving your express written consent to receive emails, SMS/MMS, prerecorded and artificial calls, and automatic telephone dialing systems.

    I was able to identify many other web services and financial companies who provide mortgage services, as well as being unfamiliar with them. Otto has deals with hundreds of insurance partners.

    Otto Advantages

    Otto is used to completely liberate and effortlessly navigate. Your requested information will most likely not even require a basic survey, just a quick glance at the details.

    Numerous companies, among the leading providers in the nation, have the potential to furnish you with insurance quotes by utilizing the information you provide on the website.

    Once you purchase a policy, insurance companies persistently approach you, sharing your details with numerous insurance companies, including Otto Insurance. This is a common grievance with almost all online insurance marketplaces, even after several months or even years.

    You have the opportunity to avoid this outcome by contacting Otto Insurance. They indicate that you can email the company at [email protected] or make phone calls to request the erasure of your information.

    Otto Drawbacks

    Otto provides a list of hundreds of participating services, which include many insurance-related events. As I mentioned earlier, the main drawback of Otto is that you seem to lack apparent control over the number of solicitations you receive from where they come from, as well as the ones you receive.

    Otto essentially discloses its ability to partner with nearly unlimited firms, offering insurance and other products and services for you to solicit.

    Although all internet-based insurance marketplaces share this characteristic, there is no assurance that your endeavors on the platform will lead to obtaining insurance coverage from a provider. The website also explicitly emphasizes this fact.

    You are looking to buy insurance, and you will complete a survey to provide very specific information about the type of coverage you are seeking. The application process for other types of coverage, similar to car insurance, is also similar. Although Otto mainly focuses on car insurance, it also covers other types of insurance such as pet insurance, commercial insurance, home insurance, and life insurance.

    In order to receive a discount, the website has highlighted the advantages of combining coverage with either homeowner’s or renter’s insurance if you decide to buy auto insurance.

    Pros and Cons

    The convenience of online insurance marketplaces like Otto cannot be denied. Through a single website, they provide you with access to numerous insurance providers and enable you to receive quotes, eliminating the inconvenience of having to search around. However, there are both advantages and disadvantages to Otto, and here is my list.


  • Access to various insurance providers.
  • It’s free of charge to utilize.
  • You can delete your personal details to prevent receiving unsolicited requests.
  • Cons:

  • Quote reception delay.
  • The large amount of negative online feedback.
  • Otto does not directly offer insurance.
  • Otto Insurance Alternatives

    If you are unable to find the appropriate insurance policy through Otto Insurance, you might discover what you are searching for on alternative platforms. These platforms present other options for finding the insurance coverage that meets your needs.


    SelectQuote is a comparison insurance site that offers quotes for policies from some of the biggest names in the insurance industry. Using their service, you can save hundreds of dollars on home and auto insurance, and they can also help you figure out how much life insurance you need. You can connect with a licensed sales agent to get assistance with finding the right insurance coverage through QuoteSelect.

    The Zebra

    The Zebra’s partners include about a dozen of the largest insurance companies in America. They offer several policies and coverage for small and commercial insurance business, as well as motorcycle, pet, renters, home, auto, and life insurance. The Zebra is one of the most popular comparison sites in the insurance industry.


    PolicyGenius provides a range of insurance policies, including life, home, auto, and disability insurance. Knowledgeable insurance agents offer assistance and support in identifying the appropriate policy. They operate in a similar manner to other platforms, but PolicyGenius stands out as one of the most widely used online insurance marketplaces.


    How does Otto Insurance generate revenue?

    If you choose to purchase an insurance policy through Otto’s website, you will be charged a small fee for placement. However, in exchange for accessing the customer base, insurance providers may require you to pay a fee to the site, as information that generates insurance quotes is shared among multiple providers. Otto Insurance is similar to most online insurance marketplaces, where completing an application for insurance is considered a lead generation service for consumers.

    Who holds the position of Chief Executive Officer at Otto Insurance?

    The CEO and owner of Otto Insurance is Joshua Keller. Additional information about Mr. Keller can be found on his LinkedIn profile.

    Are online insurance companies legitimate?

    In general, it is important to know that online insurance marketplaces, such as websites that enable individuals to shop for policies and connect with insurance companies they want to buy coverage from, are often the most popular. However, it’s also worth noting that some of the best online insurance companies are direct providers, and not necessarily brokers or other insurance companies.

    Discover More About Otto.

    Is Otto Legit?

    On the website, it is necessary for you to verify the specific ratings of every company you wish to engage in commerce with. The website functions as a platform that connects potential clients with insurance companies that are part of the network. Otto Insurance is a trustworthy website that generates leads, but it is not a genuine insurance company.

    Otto Insurance has not received a rating from the agency. However, it did mention that the Better Business Bureau was in the process of updating its profile on Otto Insurance, and there were no ratings available on either Google Play or The App Store for Otto Insurance at the present moment.

    There is no listing of Otto Insurance with the Florida Office of Insurance Regulation because Otto is not an actual insurance company. However, Trustpilot gives Otto Insurance a rating of 2.7 out of 5 stars, based only on four reviews, which is considered poor.

    Prior to enrolling, I advise you to exercise prudence and thoroughly contemplate all of your choices, which encompass the aforementioned alternatives. Therefore, although Otto is authentic.


    Otto Insurance Logo


  • Access to various insurance providers.
  • It’s available for use without charge.
  • You can delete your personal details to prevent receiving unsolicited requests.
  • Weaknesses

  • There is a delay in the receipt of quotations.
  • The large amount of negative online feedback.
  • Otto does not directly offer insurance.
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    Since 2009, Kevin Mercadante has been documenting his transition from a struggling mortgage loan officer to a contract/self-employed “slash worker” – an accountant/blogger/freelance blog writer – on OutofYourRut.Com. He shares career advice on various topics, such as coping with under-employment and making the shift towards self-employment. Additionally, he offers “Alt-retirement strategies” for the majority of individuals who do not anticipate retiring as millionaires and won’t spend their retirement on the beach.

    He frequently discusses the big-picture trends that are frequently putting pressure on the bottom 90%, offering readers tips and workarounds to help them save more money by cutting expenses and breaking through the “savings barrier” as they transition from being debtors to savers.

    Kevin holds a Bachelor’s degree in Accounting and Finance from Montclair State University.

    The content of this has not been endorsed, approved, or otherwise supported by any entities. The opinions expressed here are solely those of the author and do not represent any financial institution or bank.