Otto Car Insurance

In today’s fast-paced world, getting insured is necessary, whether it’s for life, health, or automobiles. While searching for car insurance online, you may come across Otto Car Insurance. 

Before processing, make sure that Otto Insurance is not an insurance provider but a lead generation site. In simple words, it’s an online comparison site for car insurance. It works with various marketing partners, including Progressive and State Farm, so that it can connect you with them, ensuring the best insurance plan for you. 

Interested in knowing more about Otto car insurance? Well! Read the blog post thoroughly! In this article, we will explore Otto auto insurance, its pros and cons, ratings and reviews, and other important aspects. Let’s get started.

What is Otto Car Insurance?

Otto Insurance is a Florida-based online insurance marketplace that connects consumers to different insurance policies, including car insurance. The company claims that a customer can save up to $500 a year on his car insurance premium.

It has helped more than 1,000,000 customers find the best car insurance rates, but it isn’t a traditional insurance provider. Instead of providing insurance services, Otto Insurance gathers the client’s information and matches them with the best insurance company that fits their needs and preferences. 

Moreover, it was founded by Joshua Keller in 2022, and he is the current CEO of the company. There is very limited information available online about Otto Insurance, and it also doesn’t disclose its total number of partner insurance companies. However, some famous partners may include Nationwide, Liberty Mutual, American Family, AAA Insurance, and others.

How does Otto Car Insurance Work? 

First, you have to fill out a form on the Otto Insurance website. While doing so, you have to provide your basic information, like name, address, email, and contact information. You also have to select the type of insurance you want, i.e.; auto insurance. After the submission of the form, the company shares your information with 1,000 plus partners. 

In this way, Otto tries to match you with an insurance company based on your needs. Another option is to work with a licensed agent provided by Otto Insurance, who will provide you with various insurance quotes from different carriers. You can easily compare several rates and coverage options to get the policy that fits your needs. 

Once you choose auto insurance, the agent will help you complete the paperwork necessary for the coverage. He will also inform you of all the crucial information, like how to file a claim. After that, you can manage your policy online by viewing your coverage details, making changes, and paying premiums online.

Pros and Cons of Otto Car Insurance 

Let’s review the benefits and drawbacks of Otto car insurance:


  • Free to use.
  • Access to multiple insurance providers.
  • Provide quotes for life, health, home, auto, pets, and others. 
  • Personal information can be removed to avoid solicitation.


  • Delays in receiving quotes.
  • Not a direct insurance company.
  • Can’t choose companies from which clients want quotes.
  • A high number of poor online reviews.

Otto Auto Insurance Types Overview

Along with providing services for other daily life needs, car insurance is the main focus of Otto insurance. Here is an overview of Otto Auto Insurance Types: 

Otto Insurance provides a handful of car insurance types to cover a wide range of issues including:

  • Collision Insurance is to protect against any damage to your car. 
  • Comprehensive Insurance covers incidents such as vandalism, theft, or any damage due to weather conditions. 
  • Gap Insurance pays if your car is totaled in an accident. 
  • Personal Injury covers the medical costs of accidents. 
  • Uninsured Motorist Insurance protects if the vehicle is damaged by an uninsured driver. 

Note that Otto Insurance’s site doesn’t mention anything about Otto motorcycle insurance.

How to get an Otto Car Insurance quote?

To buy Otto car insurance, you have to get quotes from different insurance agents. For this, you must follow a pattern:

  1. First, go to the homepage of the website.
  2. Click on the option See My Rates! located at the top. 
  3. Now enter the zip code of your location. 
  4. Then choose the type of insurance you want (auto insurance). 
  5. After that, you have to provide your personal information in a form. 
  6. Fill it up and submit it. 

Once you are done, you have to wait for some time so that the company will get back to you with quotes from several insurers. After getting quotes, you will get contact details of different insurance companies. You can then contact them directly and deal with them accordingly.

Otto Car Insurance Reviews and Ratings

Otto car insurance reviews are positive on the company websites. Several clients mention that they save various amounts on their auto insurance plans by using the Otoo quote comparison services. 

However, the company doesn’t hold a good rating on Google and other online platforms. It has several negative reviews and it holds a 2.6-star rating out of 5 on Google and a 1.6 on social media sites i.e.; Facebook. This is because some users confuse it with an insurance provider. They didn’t have an idea that Otto is not an insurance company, but a lead-generating site. 

Although it is mentioned on multiple parts of the website that it doesn’t sell car insurance but only connects customers with companies based on your specific information. Moreover, some clients also claim that they get more phone calls, texts, and emails as compared to actual quotes.

Is Otto Car Insurance Legit?

As mentioned earlier, Otto Insurance is a legitimate company, not an insurer. There is very limited information about this company on the Internet. Its website has two different addresses, but that doesn’t mean the company is not legit. According to Crunchbase, the company is owned by an entrepreneur Joshua Keller who has also established many other companies. 

Crunchbase also says that the company’s website gets more than 1.7 million visits a month. However, the information regarding this company is conflicting and scant. As it isn’t an insurance company, it doesn’t have a financial strength rating from AM Best. Furthermore, it neither appears on J.D Power rankings of auto insurance companies nor has a current BBB (Better Business Bureau) profile.

Final Verdict

Otto car insurance is a reliable platform for customers allowing them to compare insurance rates and coverage options from different companies. Although there is a lack of good Otto car insurance reviews that impact the company’s reputation and customer satisfaction, the company has a user-friendly site and experienced agents making it easy to explore different insurance options.

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