Is Otto Insurance Legit?
Last Updated on January 12, 2026
Otto Insurance (often branded as “OTTO Quotes”) is an insurance shopping and referral platform. It does not underwrite policies or act as your insurer—instead, it matches shoppers with insurance companies and/or local agents who can provide quotes.
If you’re wondering whether Otto is “legit,” the most important thing to understand is what you’re signing up for: sharing your contact details so you can be connected with quote providers. That can be useful, but it can also mean follow-up calls, texts, and emails.
Quick tip: If you’re just price-checking, use a separate email address and consider a secondary phone number (like a Google Voice number) to keep follow-up outreach organized.
Our Rating of Otto Insurance
3.8
out of 5
★★★★☆
Summary
Bottom line: Otto is a useful starting point for comparing auto insurance quotes, but the final price, coverage, and claims experience depend on the carrier or agent you end up with.
Otto collects basic details and routes you to partner carriers and/or licensed agents for quotes across the U.S., which can save time if you want to shop multiple options. Because it operates as a referral service, you may receive calls, texts, or emails, and you’ll want to confirm the exact insurer and coverage terms before you buy.
Best for
- Drivers who want to compare quotes from multiple carriers/agents in one place
- Shoppers who are comfortable being contacted to finalize quotes
- People exploring bundle options across auto and other insurance lines
Not ideal for
- Drivers who want to buy directly from a specific insurer with minimal marketing
- Privacy-minded shoppers who don’t want their contact info shared widely
- Anyone expecting Otto to handle claims or be the policy-issuing insurer
- Our Rating of Otto Insurance
- Quick Answer: Otto Is a Quote-Matching Service, Not an Insurer
- What Otto Is and Isn’t
- How Otto Works
- What to Expect After You Request Quotes
- Insurance Products Otto Advertises
- Discounts and Savings Tips
- Which Companies Might You Be Matched With?
- Otto Reviews and Common Complaints
- How to Stop Calls, Texts, and Emails
- How to Verify the Insurance Company Before You Buy
- Contact Otto Insurance
- Final Word: Is Otto Insurance Legit?
- FAQs on Otto Insurance Legitimacy
Quick Answer: Otto Is a Quote-Matching Service, Not an Insurer
Otto can be a legitimate way to compare insurance options, but it’s best to think of it like a lead generator or comparison marketplace. The actual policy you buy (if you buy one) will be issued by a licensed insurance company, and any claims would be handled by that insurer—not Otto.
What Otto Is and Isn’t
| Otto Is | Otto Isn’t |
|---|---|
| A place to request insurance quotes | Your insurance company |
| A matching/referral platform that connects you with carriers or agents | A guarantee of the lowest price |
| A starting point to compare coverage options | A substitute for reading the policy before you buy |
How Otto Works
- You enter basic details (like ZIP code, contact info, and some coverage needs).
- Otto uses that information to match you with insurance carriers and/or licensed agents who may be able to quote you.
- You review quote options and continue the purchase process with the carrier or agent you choose.
Like many quote platforms, Otto may connect you with both large national brands and smaller regional insurers. The “best” option depends on your driving history, vehicle, location, and coverage choices.
What to Expect After You Request Quotes
After you submit your information, it’s normal to get follow-up outreach. Depending on how you’re matched, you may receive:
- Calls or texts from insurance agents
- Emails with quote links or requests for more details
- Redirection to another website or call center to finish the quote
If you prefer to shop quietly without follow-up, you may be better off getting quotes directly from insurers’ websites or working with a single local agent you trust.
Insurance Products Otto Advertises
Otto markets multiple insurance lines, including auto, home/renters, life, and pet insurance. Keep in mind: availability, pricing, and underwriting rules depend on the carrier/agent you’re matched with and the state where you live.
Common Auto Coverages You’ll See in Quotes
| Coverage | What It Usually Covers | Good to Know |
|---|---|---|
| Liability | Injuries and property damage you cause to others | State minimums can be low; higher limits often improve protection. |
| Collision | Damage to your car from a crash (regardless of fault) | Usually subject to a deductible; often required for financed vehicles. |
| Comprehensive | Theft, vandalism, weather, animals, and other non-collision losses | Also deductible-based; coverage details vary by carrier. |
| Uninsured/Underinsured Motorist | Protection if you’re hit by a driver with little or no insurance | Rules vary by state; limits can mirror your liability limits. |
| MedPay | Medical bills for you/your passengers (depending on state/carrier) | Often available even if you already have health insurance. |
| PIP | Injury-related costs under no-fault rules (in certain states) | May include lost wages and essential services depending on the state. |
| SR-22 / FR-44 | State-required proof of financial responsibility (not a coverage type) | If you need one, confirm the carrier will file it with your state. |
Discounts and Savings Tips
Otto doesn’t control discounts—carriers do. Still, if you’re shopping around, these strategies commonly matter:
- Bundle policies (auto + home/renters) when it makes sense for your risk and budget.
- Ask about good driver discounts and whether a clean record window applies.
- Verify mileage and usage—low-mileage discounts can be meaningful for some drivers.
Which Companies Might You Be Matched With?
Otto may route shoppers to national carriers, regional insurers, or independent agencies. Examples you might run into during comparison shopping include Progressive, Nationwide, GEICO, Esurance, AAA-affiliated options, Farmers, Mercury, Liberty Mutual, or American Family—but the actual availability depends on your state and profile.
Otto Reviews and Common Complaints
When people leave negative feedback about quote websites, it’s usually for predictable reasons: too many follow-up calls, confusion about whether the site is an insurer, or frustration that the final price changed after a full underwriting review.
If you want to do a quick reputation check, look at Otto’s Better Business Bureau listing and read the themes in the reviews and complaints (not just the star rating): Otto Quotes, LLC on BBB.
How to Stop Calls, Texts, and Emails
If you used Otto (or any quote referral site) and want the outreach to stop, these steps usually help:
- Unsubscribe from marketing emails using the unsubscribe link (keep one copy for your records).
- If you received texts, reply STOP (standard carrier rules apply, but it’s a good first step).
- Ask the calling agent/company to place you on their internal do-not-call list.
- Request deletion/opt-out directly (Otto’s site and privacy policy list opt-out emails such as requesttodelete@ottoinsurance.com).
- If you’re still getting unwanted telemarketing calls, consider reporting them through the National Do Not Call Registry or reporting suspicious behavior at ReportFraud.ftc.gov.
How to Verify the Insurance Company Before You Buy
No matter where you start your quote, always verify the actual insurer issuing the policy:
- Confirm the carrier is licensed in your state (your state insurance department can help).
- Double-check the legal company name shown on the quote and application—large insurers often have multiple subsidiaries.
- Use the NAIC’s directory to find your state insurance department if you need to verify licensing or file a complaint.
Quick tip: If an agent asks for payment details before you’ve seen a clear insurer name, coverage limits, deductibles, and the policy term, pause and request the full quote summary in writing.
Contact Otto Insurance
Based on the company’s public website materials, Otto lists the following contact details:
- Phone (general): (888) 312-8867
- Phone (sales line): 1-888-904-1907
- Opt-out/delete requests: requesttodelete@ottoinsurance.com
- Mailing address: 1111 Lincoln Road, Suite 657, Miami Beach, FL 33139
Final Word: Is Otto Insurance Legit?
Otto can be a legitimate place to start comparing insurance—especially if you’re comfortable being contacted by agents or carriers competing for your business. Just remember that Otto isn’t the insurer, and the best “deal” is the policy that matches your coverage needs, budget, and claim expectations (not just the lowest monthly price).
Disclosure: Insurance shopping rules, privacy rights, and marketing outreach requirements can vary by state. Always read the final quote/policy documents before you bind coverage.
