Otto Insurance Review: Is it Legit?

Otto Insurance coverage is an internet insurance coverage lead generator that makes use of your private data to match you with insurance coverage corporations that may give you free quotes. Otto is just not a direct insurance coverage supplier, neither is it an insurance coverage dealer. Due to this fact, you’ll acquire quotes and insurance policies instantly from precise insurance coverage suppliers.

However Otto is a reasonably new firm, and there’s not a lot details about Otto accessible on-line, main many to wonder if they’re legit.

There are additionally a giant variety of complaints about Otto showing on-line, most of which cope with ongoing solicitations from collaborating suppliers.

Whereas this isn’t uncommon for an internet insurance coverage market, it’s value noting. On this Otto evaluation, I’ll clarify how the platform works and share the important thing options, professionals and cons, in addition to a couple of Otto alternate options.

Desk of Contents
  1. What Is Otto?
  2. How Does Otto Work?
  3. Otto Benefits
  4. Otto Drawbacks
  5. Execs and Cons
    1. Execs:
    2. Cons:
  6. Otto Insurance coverage Options 
    1. SelectQuote
    2. The Zebra
    3. PolicyGenius
  7. FAQs 
  8. Is Otto Legit?

What Is Otto?

Based mostly in Miami Seashore, Florida, Otto is an internet insurance coverage market that connects customers to auto, dwelling, pet, business, and life insurance coverage insurance policies

The corporate claims that you may save greater than $500 per yr in your automotive insurance coverage premium. And whereas Otto doesn’t disclose the variety of collaborating insurance coverage corporations, they do point out insurance policies are offered by Nationwide, Esurance (Allstate), AAA Insurance coverage, Farmers, Mercury Insurance coverage, Liberty Mutual, Progressive, and American Household.

How Does Otto Work?

Otto claims to have helped over 10 million customers discover one of the best insurance coverage charges. To acquire a quote, you’ll full a “free quiz” moderately than an utility, as is typical of different insurance coverage web sites.

Otto will ask you to offer the next data:

  • Zip Code
  • Automobile age
  • Automobile make and mannequin
  • Options of your automobile
  • The identify of your present insurance coverage supplier
  • Point out your gender
  • Your marital standing
  • Reply: what’s your credit score rating? (Wonderful, good, common, poor)
  • Affirm you’re a home-owner (or not) – you’ll be supplied to bundle a house owner’s or renter’s coverage in both case.
  • Your birthdate
  • Your first and final identify
  • Dwelling tackle
  • E mail tackle
  • Cellphone quantity

You’ll start receiving quotes once you click on the blue “Get Quotes” button. However earlier than continuing, you would possibly wish to learn the advantageous print. Bear in mind you’ll be offering specific written consent to receiving advertising and marketing data relating to insurance coverage and associated merchandise. This contains automated phone dialing programs, synthetic and prerecorded calls, SMS/MMS, and emails from each the Otto web site and one in every of its many advertising and marketing companions on the cellphone quantity and electronic mail tackle you present.

Otto offers with lots of of insurance coverage companions. I used to be additionally in a position to determine mortgage suppliers, monetary companies corporations, internet lead companies, and lots of others I used to be unfamiliar with.

Otto Benefits

Otto is simple to navigate and fully free to make use of. The knowledge requested within the survey is fundamental and doubtless received’t even require you to search for any of your particulars.

Based mostly on the data offered on the location, you’ll be able to probably obtain coverage quotes from dozens of corporations, together with a few of the largest suppliers within the nation.

One of many main complaints towards almost all on-line insurance coverage marketplaces – together with Otto Insurance coverage – is the sharing of your data with scores of insurance coverage corporations, who proceed to solicit you months and even years after you purchase a coverage.

Otto Insurance coverage provides you a chance to keep away from this final result. You possibly can electronic mail the corporate at [email protected] and request that your data be erased. That, they point out, might put an finish to emails and cellphone calls. 

Otto Drawbacks

Otto’s essential downside is the obvious lack of management you might have over the variety of solicitations you obtain, in addition to the place they arrive from. As I indicated above, Otto supplies an inventory of lots of of collaborating companies, a lot of them not even insurance-related.

And as disclosed within the advantageous print, you’re basically giving Otto and its companion corporations almost limitless means to solicit you for insurance coverage and different services.

The location additionally makes it abundantly clear that there is no such thing as a assure your efforts on the platform will lead to getting protection from an insurance coverage firm. Nonetheless, that is frequent with all on-line insurance coverage marketplaces.

Although Otto additionally covers life, dwelling, business insurance coverage, and pet insurance coverage, it appears to focus primarily on automotive insurance coverage. The applying course of for any of the opposite protection varieties is much like that for automotive insurance coverage. You’ll full a survey however present data very particular to the kind of protection wish to purchase.

When you do select to buy auto insurance coverage, the location has emphasised the advantages of bundling protection with both home-owner’s or renter’s insurance coverage for a reduction.

Execs and Cons

The comfort of on-line insurance coverage marketplaces like Otto is plain. They permit you entry to a number of insurance coverage suppliers and obtain quotes from a single web site, saving you the trouble of getting to buy round. However there are drawbacks too. With that in thoughts, right here is my checklist of Otto professionals and cons.


  • Entry to a number of insurance coverage carriers
  • It’s free to make use of
  • You possibly can take away your private data to keep away from solicitation.


  • Delay in receiving quotes.
  • The excessive variety of poor on-line critiques.
  • Otto is just not a direct insurance coverage supplier.

Otto Insurance coverage Options 

When you’re unable to search out the best insurance coverage coverage by way of Otto Insurance coverage, there are different platforms the place you might discover what you’re in search of. 


SelectQuote is an insurance coverage comparability website that provides quotes for insurance policies from a few of the greatest names within the insurance coverage business. SelectQuote claims it can save you 50% on life insurance coverage and lots of of {dollars} on auto and residential insurance coverage by utilizing their service. You need to use SelectQuote to attach with a licensed gross sales agent who will assist you determine how a lot life insurance coverage you want. The location additionally presents renters insurance coverage, small enterprise insurance coverage, and umbrella insurance coverage.

The Zebra

The Zebra is without doubt one of the hottest insurance coverage comparability websites within the business. They provide life, auto, dwelling, renters, pet, and motorbike protection, and a number of other insurance policies for business and small enterprise insurance coverage. The Zebra’s companions embrace a few dozen of the biggest insurance coverage corporations in America.


PolicyGenius is without doubt one of the hottest on-line insurance coverage marketplaces on-line. They work a lot the identical as different platforms, however additionally they present steering from licensed insurance coverage brokers, who may also help you discover the best coverage. PolicyGenius presents life, dwelling, auto, and incapacity insurance coverage insurance policies.


How does Otto Insurance coverage make cash?

Like most on-line insurance coverage marketplaces, Otto Insurance coverage is a lead technology service. When customers full an utility for an insurance coverage quote, that data is shared with a number of insurance coverage suppliers. These suppliers could pay a price to the location in alternate for entry to the client base it generates. However in case you do buy an insurance coverage coverage by way of the location, Otto will obtain a small price for the position.

Who’s the CEO of Otto Insurance coverage?

The CEO and proprietor of Otto Insurance coverage is Joshua Keller. Further details about Mr. Keller may be discovered on his LinkedIn profile.

Are on-line insurance coverage corporations legit?

Generally, sure. Nonetheless, it’s vital to know that whereas a few of the finest on-line insurance coverage corporations are direct suppliers, others – typically the most well-liked– are on-line insurance coverage marketplaces. Meaning they don’t seem to be insurance coverage corporations and even insurance coverage brokers however web sites that allow customers
to buy insurance policies and join with corporations they wish to purchase protection

Study Extra About Otto

Is Otto Legit?

Otto Insurance coverage is a legit lead-generating web site however not an precise insurance coverage firm. The location serves as an aggregator, linking candidates with collaborating insurance coverage corporations. You’ll have to verify the person rankings of any firm you wish to do enterprise with by way of the location.

On the time of writing, there have been no rankings on both Google Play or The App Retailer for Otto Insurance coverage, and the Higher Enterprise Bureau was updating its profile on Otto Insurance coverage. Nonetheless, it did point out that Otto Insurance coverage is just not rated by the company. 

Trustpilot provides Otto Insurance coverage a score of two.7 out of 5 stars (poor); nonetheless, that score relies on solely 4 critiques. And since Otto isn’t an precise insurance coverage firm, there is no such thing as a itemizing of Otto Insurance coverage with the Florida Workplace of Insurance coverage Regulation.

So whereas Otto is legit, I like to recommend that you simply proceed with warning and contemplate your whole choices, together with the alternate options listed above, earlier than signing up.



  • Entry to a number of insurance coverage carriers
  • It is free to make use of
  • You possibly can take away your private data to keep away from solicitation.


  • Delay in receiving quotes
  • The excessive variety of poor on-line critiques.
  • Otto is just not a direct insurance coverage supplier.