Otto auto insurance services review: Compare quotes from numerous insurers

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Editors’ take: Otto insurance offers quotes from many insurers without offering policies itself. Otto could be a good tool to compare quotes for those looking to shop for car insurance. Be aware that by submitting your information to the platform, you may be signing up for promotional communication from companies and individual agents. Other companies offer similar without unwanted phone calls.

Otto auto insurance at a glance

AvailabilityDepends on insurance provider
J.D. Power customer satisfaction ratingsNot listed
How to get an insurance quoteOnline or via an agent over the phone
How to submit a claimDepends on insurance provider


  • Quickly compare rates from several insurance providers
  • Partners with national, regional, and individual insurers
  • Connect with an agent to choose a policy


  • Doesn’t offer insurance policies
  • You may get a lot of promotional communications
  • Information about this company is limited

What you need to know about Otto auto insurance

Otto is a lead generation company headquartered in Miami Beach, Florida. The company doesn’t offer insurance products — it uses your information to match you with the best insurance quotes and policies from hundreds of insurance companies.

Otto appears to be a legitimate business. But information about it is limited. It isn’t accredited by the Better Business Bureau, and there’s no information about the company from J.D. Power or the National Association of Insurance Commissioners.

Doesn’t offer insurance policies

Otto doesn’t issue insurance products directly to customers. Otto uses your personal information to match you with an insurance provider and uses a third-party site to make transactions.

Partners with national, regional, and individual insurers

Otto’s remotely distributed team works with hundreds of insurers of all sizes, from national and regional companies to individual agents. The company lists several well-known insurance partners on its website, including Nationwide, Progressive and American Family.

You may get a lot of promotional communications

To get started using Otto’s service, you’ll need to provide some personal information, including identifiers like your name and address, contact information, vehicle information and gender. Otto stores that data and other information like what products you purchased or considered and how you interacted with the Otto website.

By providing your information, you may be consenting to receive promotional emails or phone calls from Otto and other third-party service providers.

Auto coverage offered by Otto

Otto doesn’t provide insurance products directly, so the coverage you get using Otto will depend on which insurance company you choose. Otto works with several national insurers that offer all the standard coverage options, plus extras including roadside assistance, accident forgiveness and more.

Auto insurance discounts offered by Otto

Similarly, the discounts you qualify for will depend on your insurance provider. Some standard discounts to look for include safe driver discounts, good student discounts, discounts for bundling multiple policies or vehicles and discounts for participating in a usage-based insurance program.

FAQs about Otto car insurance

Is Otto auto insurance legit?

Otto appears to be a real business that helps customers compare insurance quotes. But information about the company is limited — it isn’t accredited by the Better Business Bureau and there’s no information about the company from J.D. Power or the National Association of Insurance Commissioners.

How long has Otto insurance been in business?

It’s not clear from its website how long Otto insurance has been in business, though the copyright date on the site goes back to 2015.

Not sure if Otto auto insurance is right for you? Consider these alternatives.

  • Jerry: Like Otto, Jerry doesn’t provide insurance products directly but lets you compare many auto quotes simultaneously. This company also checks for insurance discounts before your next renewal.
  • Geico: This insurance company offers various standard coverage options and possible discounts. Tech-savvy drivers may appreciate its robust mobile app.

About the author: Sarah Sidlow is a freelance writer and editor based near Detroit. She has a master’s degree in journalism from Georgetown University. Sarah’s work has appeared in Luxembourg’s national newspaper, Washington City Paper… Read more.