Otto Insurance Reviews : Is Otto Insurance Legit?

Have you ever come in contact with Otto Insurance and you want to know if it is legit? Could it be that you are searching for an insurance company but do not know if Otto is the best for you? Don’t worry, this article has given comprehensive reviews about its operations and has critically analyzed customers’ comments and ratings about it on Trustpilot, BBB, Reddit, and other popular review websites. So read to the end to know whether to go ahead with it or not.

The importance of getting insurance can not be overemphasized. However, getting the right insurance company and comparing prices is always not an easy task. The fact that there are so many companies out there makes the process more difficult as it is not easy to know which is trustworthy.

Otto Insurance is one of the most popular websites for getting quotes and making comparisons. However, many users aren’t sure whether it is trustworthy or not. Hence, many people are asking “Is Otto Insurance legit?” To answer this question, read the complete article that has been written on Otto Insurance reviews.

Otto Insurance


Otto Insurance is a lead-generating website that connects customers to insurers. It carries out pet, auto, home, life, and commercial insurance. However, it does not give direct quotes rather it partners with over 1,000 insurance companies.

When you send your information to Otto, it matches you with a partner insurance company that will meet your needs. Your details are then sent to them and they contact you for further information including giving you quotes, charges, and more.

It is important to note that you can get the following types of auto insurance from Otto’s partners.

  • Liability
  • Collision
  • Comprehensive
  • Gap
  • Personal Injury Protection, and so on.

Is Otto Insurance Legit?


Otto Insurance seems to be legit and not a scam. However, a detailed look at its operations shows that it is a lead generation company rather than an insurer. In other words, it does not give quotes or insurance directly. Rather it partners with third-party insurance companies by sharing your information with them.

Furthermore, there is very little information about it on the internet. Although this cannot be used to determine its legitimacy, it is a call for concern.

Website Organization

The organization of Otto’s website is one reason why it could be seen as a legitimate company. The website is well organized. It clearly describes what it is about and how to get started with them. However, it has two addresses which makes its information a little bit conflicting.


Another variable that helps to determine a legit organization is its level of transparency. And looking at the website of Otto Insurance, you can find every information you need about it including its contact information. There are active phone numbers on the websites that can be called for further inquiries. However, there is not much information about the background of the company.

Privacy policy

The privacy policy states that your information is secured with them as it is protected with secure processes and safety technologies. However, users’ data such as emails, phone numbers, names, and addresses are made accessible to certain employees or partners. These partners also have various privacy policies that are meant to secure your user’s information.

Furthermore, Otto has an option for those who do not that don’t want their data shared. This is contained at the bottom of the homepage of the company’s website.

Otto Insurance Reviews


Going through various review platforms, Otto Insurance has received mostly negative reviews from customers. Many complaints border on the fact that customers get bombarded with calls and text messages after giving their information to the company. Others think that their information is not safe with Otto as they partner with other insurance companies thereby giving out customers’ details.

Other negative comments from customers noted that the company is misleading because it does not give quotes as it claims to do. A customer wrote

In reality, Otto Insurance is not even an insurance company. Just take a look at the ‘Terms of Service’ page of the website. They don’t provide insurance, it is a referral company that sends or refers you to insurance companies

Otto Insurance Review On BBB


BBB is one of the most popular review websites where customers share their experiences with various businesses. It is important to note that the company is currently not accredited by the Better Business Bureau.

This is not so much a problem as the accreditation is a paid service. However, Otto’s page on BBB is flooded with lots of negative comments. Most of which are complaints about unsolicited phone calls from the company.

Otto Insurance Review On Trustpilot


The organization has a poor rating of 2.2 on Trustpilot. About 88% of the total number of ratings gave 1 star each. Moving on to customers’ comments, it could be seen that a large number of customers are dissatisfied with the services of the company as many of them called it a scam. Virtually all customers complained about too many phone calls and the company’s failure to generate quotes.

Pros And Cons Of Otto Insurance


Otto Insurance like other companies has advantages and shortfalls. These are categorized into production and cons. See some of them below.


  • Quick process to request quotes.
  • Gives you the option to receive quotes from different insurance providers.
  • Easy and free to use
  • Gives quotes for pets, homes, cars, and life.


  • Unsolicited phone calls, emails, and text messages.
  • Shares personal information with third-party insurers.
  • The website has no option to view quotes.
  • Does not specify the states it covers.
  • Quotes are not available immediately.


Otto Car Insurance – Otto Auto Insurance

Otto Insurance is not an insurance company itself, but a lead generation site that connects consumers with insurance agencies and carriers. It offers various types of insurance quotes, including auto, home, renters, pet, and life insurance.

It works with a network of licensed insurance agents and carriers to provide customers with competitive insurance rates and quotes.

Who Owns Otto Insurance?


According to its website, the CEO of Otto Insurance is Joshua Keller.

How Does Otto Insurance Make Money?


It gets money by receiving commissions from the insurance companies that it partners with.


Otto Insurance Reviews shows that the company is legit and not a scam. However, it hasn’t done much to meet the needs of customers hence many complaints should not be taken for granted. Therefore before you go ahead to send your information to them, weigh the pros and cons that this article has shown.

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