Is Otto Car Insurance Legit: Otto Insurance Review

Is Otto Car Insurance Legit? When it comes to finding the right car insurance, you want to be certain that you’re dealing with a reputable provider. Otto Insurance might have crossed your path in your quest for car insurance, but is Otto Car Insurance legit? In this comprehensive guide, we’ll explore the legitimacy of Otto Car Insurance and provide you with actionable advice to help you make an informed decision about your auto insurance needs.

We understand that ensuring the legitimacy of your car insurance provider is crucial, and we’re here to address your concerns and guide you through the process.

Is Otto Car Insurance Legit?

You might have stumbled upon Otto Insurance while searching for car insurance online. The burning question on your mind is whether Otto Car Insurance is a legitimate option. Let’s tackle this question head-on:

Yes, Otto Car Insurance is a legitimate company. It operates as a lead generation site, connecting consumers with insurance agencies and carriers. However, there are some important things to consider:

  • Otto Insurance is not an actual insurance company. Instead, it serves as an intermediary to connect you with insurance providers.
  • When you submit your information to Otto, they share it with their network of insurance and marketing partners. These partners include major insurance providers such as Progressive, Geico, State Farm, Allstate, regional carriers, and marketing companies.
  • Otto Insurance provides auto insurance rates and quotes for other types of insurance, including pet, home, and life insurance.
  • The company is headquartered in Miami Beach, Florida.

While Otto Insurance is indeed legitimate, there are some caveats to consider. The primary concern for many consumers is that by submitting a request for a quote through Otto, you may start receiving numerous phone calls, text messages, and emails. These contacts will be from insurance agents and marketing companies eager to provide you with quotes and offers.

In essence, while Otto Car Insurance is a legitimate service that can connect you with insurance providers, it might not be the most efficient or hassle-free way to obtain quotes. The multiple calls, texts, and emails can be overwhelming for some individuals. Therefore, it’s essential to weigh the convenience of Otto’s services against the potential inconvenience of dealing with a flurry of communication.

What is Otto Insurance?

Otto Insurance claims to help you obtain car insurance rates within seconds, all for free. The company collaborates with an extensive network of nationwide carriers, regional carriers, and individual agents to secure the best car insurance premiums available. While Otto is indeed a legitimate company, it’s crucial to understand that it’s not an insurance company. Instead, it operates as a lead generation site, connecting consumers with insurance agencies and carriers. The company extends its services to providing auto insurance rates as well as quotes for pet, home, and life insurance. It’s headquartered in Miami Beach, Florida.

However, there’s limited available information about when Otto Insurance Group was founded. According to Crunchbase, the company is owned and led by Joshua Keller, an entrepreneur responsible for establishing various companies, including Union Square Media Group, the parent company of Otto Insurance. Notably, the Otto Insurance website attracts over 1.7 million visitors per month, as reported by Crunchbase.

Nevertheless, because Otto Insurance isn’t an insurance company, it lacks a financial strength rating from AM Best and doesn’t appear on J.D. Power’s rankings of auto insurance companies. It also doesn’t have a current Better Business Bureau profile. It’s vital to note that going through the Otto quote process might subject you to numerous phone calls. Most of the negative customer reviews online about Otto Insurance revolve around consumers receiving multiple calls, emails, and texts after applying for a quote on the Otto Insurance website.

Otto Insurance – Year Founded and Coverage

  • Year Founded: Unknown
  • Types of Coverage: Unknown
  • Discounts Available: Unknown
  • Where You Can Use It: Online website
  • Customer Support: (888) 596-1534;
  • Availability: All 50 U.S. states

Otto Insurance Coverage

Given that Otto Insurance is not actually an insurance company, it doesn’t offer insurance coverage products directly. However, the company claims to work with over 1,000 affiliate insurance companies that offer various types of car insurance coverage, including:

  • Liability coverage: Most states require all drivers to carry a minimum level of bodily injury liability and property damage liability, which helps cover injuries and damage to another driver in case you are in an accident and found at fault.
  • Collision: This coverage assists in covering damage to your vehicle in case of an accident with another car or an object like a fence or light post. It helps pay to repair or replace your vehicle, regardless of who was at fault.
  • Comprehensive: This coverage helps cover repairs or replacements for your car if it’s damaged by something other than a collision. It includes incidents like vandalism, fire, water damage, theft, and accidents involving animals like deer.
  • Personal Injury Protection (PIP): In the event of an accident, PIP insurance covers your medical expenses, lost wages, or funeral expenses, regardless of who was at fault.
  • Uninsured/Underinsured Motorist: This coverage is designed to protect you if you are in an accident with someone who has no or insufficient car insurance.
  • Medical Expense: This coverage acts as a backup to your health insurance and helps cover your medical bills if you get into an accident.
  • Guaranteed Auto Protection (GAP) Insurance: If you are still financing your car and are involved in an accident, this coverage pays the difference between the current value of the car and the original amount of your car loan.
  • Rental Reimbursement: If your car is damaged in an accident, this coverage reimburses you up to the policy maximum if you need to rent a car while yours is being repaired.
  • Roadside Assistance and Towing: This coverage comes in handy when your car battery dies, you get a flat tire, or you lock your keys in the car.
  • Non-owner Insurance: This covers any property damage or injuries you cause when driving a car you don’t own, such as a rental car or a friend’s car.
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The Otto Insurance website also allows you to get quotes for other types of insurance, including pet insurance, home insurance, and life insurance. Although bundling is not directly available on the site, it may be an option with the partner insurance companies Otto Insurance recommends. During the quote process, you’ll be asked if you’re interested in bundling your car insurance with your home or renter’s insurance, and your answer may impact the insurance carrier that Otto recommends to you.

Otto Insurance: How Affordable is it?

The Otto website claims it can find car insurance for as low as $19 per month, but verifying this is challenging because you won’t receive a price quote during the quote process with Otto. Instead, you’ll be redirected to the website of a recommended insurance company, where you’ll need to fill out more information—some of it already provided to Otto—to obtain an actual quoted price.

Finding Discounts

Regardless of whether you’re getting a quote through Otto or another company, one of the most effective ways to save on your car insurance plan is by inquiring about potential discounts. Available auto insurance discounts could encompass:

  • Automatic Payments: Many insurers offer a discount on your car insurance premiums if you set up automatic payments from your checking account or credit card.
  • Defensive Driving: You may be eligible for this discount by completing a certified defensive driving course.
  • Distant Student: If you have a full-time student who isn’t using your car while away at college, you might qualify for this discount.
  • Good Student: Many insurers extend discounts to full-time students who maintain a B or higher grade average at school.
  • Homeowners: You might be eligible for a discount just for owning a home, even if your homeowner’s insurance isn’t with the same insurer.
  • Multi-car: If you need to insure several vehicles, insuring them under the same policy can help you save money.
  • Multi-policy: You could receive a discount by bundling your car insurance with other insurance policies, such as homeowner’s or renter’s insurance.
  • Pay in Full: Your premiums may cost less if you pay upfront for six months to a year rather than making monthly payments.
  • Safe Driver: If you haven’t had any traffic tickets or accidents in the past three years, you may qualify for a safe driver discount. Some insurers also provide discounts for drivers who use a special device or mobile app that monitors their driving habits.

Maximizing Savings

Several strategies can help you maximize your savings on car insurance. To secure a more favorable policy premium, you can:

  • Improve Your Credit Score: Your credit score can significantly impact how much you’ll pay for car insurance. Most insurance companies consider drivers with low credit scores to be at a higher risk of filing a claim. In only three states—California, Hawaii, and Massachusetts—do insurers prohibit the use of credit scores in determining rates. If you live elsewhere, striving for a credit score of 700 or higher can save you money on car insurance.
  • Drive a Different Car: The type of car you drive also affects your insurance costs. High-end vehicles like a Tesla or luxury cars such as Porsche, BMW, or Lexus may cost more to insure due to their higher likelihood of theft. You can save on insurance by driving an older car or one equipped with safety features like airbags and anti-lock brakes.
  • Maintain a Clean Driving Record: Fewer traffic citations and accidents lead to lower-cost car insurance. Drivers with multiple tickets or claims are considered higher risk, resulting in higher premiums. Car insurance premiums typically increase by about 49% after an accident.
  • Shop Around: Insurance companies charge different rates for the same level of coverage. Therefore, it’s crucial to shop around and compare quotes from different insurance providers. This is where Otto Insurance may be of assistance.

How to Get an Insurance Quote from Otto Insurance

Initiating the process of obtaining car insurance quotes through Otto Insurance is straightforward. You begin by visiting the website and entering your zip code. The platform then guides you through a series of questions to help identify the best car insurance company to suit your needs. The questions include:

  • Your vehicle’s year, make, model, and trim.
  • Whether you want to add a second vehicle.
  • If you’ve had auto insurance in the past 30 days.
  • The current provider of your car insurance.
  • Your gender.
  • Your marital status.
  • Your credit score.
  • Whether you own or rent your home.
  • Your interest in receiving renters or homeowners insurance policy quotes (for bundling options).
  • Your birthdate.
  • The number of drivers in your home.
  • Your name.
  • Your email.
  • Your address.
  • Your phone number.
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Upon entering this information, you’ll see a button labeled “Get Your Free Quote.” Below the button, you’ll find a detailed paragraph of text. By clicking the button, you agree to have your information shared with and to be contacted by Otto Insurance’s marketing partners and their affiliates, who may contact you via email, phone, or text. The text also provides an option to get a free quote without providing this consent by calling 888-804-5641, and it highlights that you can revoke your consent by visiting Otto Insurance’s privacy page and submitting a request to delete your information.

Upon completing the information entry process, the website takes a moment to process your details and then designates a “winner” insurance company that best suits your needs. However, it’s important to note that the system doesn’t provide details on rates. Instead, it offers a link to the recommended insurance company’s website, where you must re-enter all the information you’ve previously provided to obtain an actual quote for car insurance premiums. In essence, it’s not a quote comparison tool that provides several quotes at once; rather, you will be contacted by insurance and marketing companies, and you’ll receive quotes from each company separately.

Is Otto Car Insurance Legit?

Let’s address the elephant in the room. Is Otto Car Insurance a legitimate option? The short answer is yes. Otto Car Insurance is indeed a legitimate company. However, the crucial distinction to keep in mind is that it’s not an insurance company in the traditional sense. Instead, Otto operates as a lead generation site. This means that when you provide your personal information to Otto in your quest for car insurance quotes, they share this data with their extensive network of marketing partners.

These partners include major insurance providers like Progressive, Geico, State Farm, and Allstate, in addition to regional carriers and various marketing companies. This partnership allows Otto to connect you with a broad spectrum of potential insurers, enhancing your chances of finding the best car insurance rates available. However, there are a few essential points to consider when evaluating the legitimacy and effectiveness of Otto Car Insurance:

Pros and Cons of Otto Car Insurance


  1. Easy to Use: Otto’s user-friendly platform simplifies the process of obtaining car insurance quotes, making it accessible for all users.
  2. Free to Use: One of the key advantages of Otto is that it offers its services for free. You can explore your insurance options without any upfront costs.
  3. Connects You with Thousands of Affiliates: Otto’s extensive network of marketing partners ensures that you have a wide range of insurance options to choose from.
  4. Offers Quotes for Various Types of Insurance: Otto doesn’t limit itself to car insurance alone; it also provides quotes for pet, home, and life insurance, making it a one-stop shop for various insurance needs.


  1. Not an Insurance Company: As mentioned earlier, Otto is not an insurance company itself. It’s a lead generation site, which means it primarily acts as an intermediary to connect you with potential insurance providers.
  2. Limited Information About the Company: Otto doesn’t provide extensive information about its own background and history, which can leave users with questions about its credibility.
  3. Doesn’t Quote Prices: When you go through the quote process with Otto, you won’t receive an actual price for your insurance. Instead, you’ll be redirected to the website of a recommended insurance company to complete the process, which may include re-entering some of the information you’ve already provided to Otto.
  4. Shares Your Information: This is a critical point to consider. Since Otto shares your information with insurance agents and marketing companies, you may receive numerous phone calls, emails, and texts from these entities.

Making an Informed Decision

So, if Otto Car Insurance is a legitimate service, how do you ensure you make the right choice when it comes to your car insurance needs? Here are some practical steps and solutions to guide you:

1. Understand the Role of Lead Generation Sites

It’s essential to recognize the role of lead generation sites like Otto. While they can connect you with multiple insurance providers, they don’t directly provide insurance coverage. Keep this in mind as you navigate the process.

2. Compare Quotes

One of the key benefits of using a lead generation site like Otto is the ability to receive quotes from multiple insurers. Take advantage of this by comparing the quotes provided by different insurance companies to find the best deal that suits your needs and budget.

3. Conduct Independent Research

In addition to using Otto, conduct your research. Explore the websites and offerings of the insurance companies recommended by Otto. Ensure that you’re comfortable with their terms, coverage, and reputation.

4. Review Your Privacy Settings

Given that Otto shares your information with various parties, review your privacy settings when using their service. Be selective about which companies can contact you and through which channels.

5. Use the Resources Available

If you have questions about specific insurance companies recommended by Otto, don’t hesitate to contact those companies directly. Their customer support teams can provide valuable insights and assistance.

What to Consider When Evaluating Otto Car Insurance

Now that you know Otto Car Insurance is a legitimate service, let’s dive deeper into the key considerations when evaluating whether it’s the right choice for you.

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The Convenience Factor

One of the primary advantages of using Otto Insurance is its convenience. The service claims to help you obtain car insurance rates within seconds for free. It collaborates with a vast network of insurance providers, including nationwide and regional carriers, making it easy for you to access multiple quotes from a single source.

However, as mentioned earlier, this convenience comes with the trade-off of potentially receiving numerous phone calls, texts, and emails. If you value quick access to quotes and don’t mind the subsequent communication, Otto Insurance might be a suitable choice for you.

Variety of Insurance Types

Otto Insurance extends its services beyond auto insurance. It offers quotes for pet, home, and life insurance, which can be advantageous if you’re looking to bundle multiple types of insurance. While bundling might not be available directly on the Otto Insurance website, it could be an option with the insurance companies they recommend. Be prepared to answer questions related to bundling during the quote process.

Lack of Specific Pricing Information

One notable drawback with Otto Insurance is the lack of specific pricing information during the initial quote process. While they claim to find car insurance for as low as $19 per month, you won’t receive a concrete price quote through Otto. Instead, you’ll be directed to the website of a recommended insurance company, where you’ll need to provide additional information to obtain an actual quoted price. This means that Otto Insurance primarily serves as a lead generator, and you may need to take further steps to get precise pricing.

Privacy and Data Sharing

It’s important to be aware of how Otto Insurance handles your personal information. By clicking the “Get Your Free Quote” button, you agree to have your information shared with and to be contacted by Otto Insurance’s marketing partners and their affiliates. They may contact you via email, phone, or text. If you’re concerned about your privacy and don’t want to receive unsolicited communication, you can opt to call 888-804-5641 for a quote without giving consent for your information to be shared. Additionally, you have the option to revoke your consent by visiting Otto Insurance’s privacy page and submitting a request to delete your information.

Actionable Steps to Evaluate Otto Car Insurance

If you’re considering Otto Car Insurance as a potential option, here are some actionable steps to help you make an informed decision:

  1. Determine Your Priorities: Consider what aspects of an insurance provider are most important to you. Is it the convenience of receiving quick quotes, or do you prioritize privacy and minimal communication? Understanding your priorities will guide your decision-making.
  2. Gather Information: Research Otto Insurance thoroughly. Visit their website, read reviews, and check their partners and affiliated insurance providers. Understanding how they operate and what to expect will help you make an informed choice.
  3. Review Your Insurance Needs: Determine what types of insurance coverage you require. Do you need auto insurance only, or are you also interested in pet, home, or life insurance? Knowing your insurance needs will assist you in making an appropriate selection.
  4. Consider Privacy Preferences: If you’re concerned about your information being shared, think about whether you’re comfortable with the potential for receiving multiple calls and emails from insurance agents and marketing companies. Make a choice that aligns with your privacy preferences.
  5. Request Quotes: If you decide to move forward with Otto Insurance, request quotes and compare them with other providers. Be prepared to provide the necessary information for a precise quote when redirected to the insurance company’s website.
  6. Explore Bundling: If you’re interested in bundling different types of insurance, inquire about bundling options during the quote process. Bundling can lead to potential cost savings.
  7. Check for Discounts: When obtaining quotes, inquire about available discounts, as they can significantly impact the cost of your insurance. Common discounts include automatic payments, good student discounts, and multi-policy discounts.

Is Otto Car Insurance Legit FAQs

What is the minimum coverage for Otto Insurance?

There is no minimum coverage specified for Otto Insurance. However, it’s essential to be aware that nearly all states have a minimum level of car insurance required for all drivers. Therefore, you should determine the minimum requirements in your state before obtaining car insurance quotes.

What is the difference between Otto Insurance and Hartford Insurance?

Hartford Insurance is an actual insurance company, while Otto Insurance is not. Otto Insurance operates as a lead generation website that partners with insurance and marketing companies to connect consumers with insurance agencies and carriers.

How much does Otto Insurance cost?

It doesn’t cost anything to get a quote through Otto Insurance.

Is Otto Car Insurance a scam?

No, Otto Car Insurance is not a scam. It is a legitimate lead generation site that connects consumers with potential insurance providers. However, be aware that your information may be shared with various marketing partners.

Can I trust the insurance quotes provided by Otto?

While the insurance quotes provided by Otto are legitimate, it’s essential to validate them by visiting the websites of the recommended insurance companies and completing the quote process there for accurate pricing.

How can I stop receiving unwanted calls and emails?

To reduce unwanted communication, review and adjust your privacy settings with Otto. You can choose which companies can contact you and specify your preferred communication channels.

Who is the CEO of Otto Insurance?

The CEO of Otto Insurance is Joshua Keller. Joshua Keller serves as both the CEO and owner of the company, overseeing its operations and services in the insurance industry.

Bottom Line – Is Otto Car Insurance Legit

In your quest for car insurance, the legitimacy of Otto Car Insurance is not in question. It is indeed a legitimate service that can connect you with a wide range of potential insurance providers. However, it’s essential to understand the dynamics of lead generation sites and take control of your privacy settings to ensure a seamless experience. By comparing quotes, conducting independent research, and reviewing the recommendations provided by Otto, you can make an informed decision about your car insurance needs. Ultimately, the power to choose the right insurance coverage for your unique circumstances lies in your hands.


Hello, I'm Admin, a dedicated writer for 9jaboizgist. I'm passionate about technology, insurance, business, finance, and all things internet-related. My goal is to provide our readers with insightful and up-to-date information on these topics.