Is Otto Insurance Legit? You MUST Know This Before Using it

If you’ve ever found yourself searching online for the best insurance rates, then chances are you’ve come across otto insurance. Otto and his adorable pet otter offer to help you find affordable coverage in seconds, but can these claims be trusted?

Otto Insurance reviews on the company’s website paint the service as an insurance shopper’s dream. but dig a little deeper and you will soon discover a very different picture.

Let’s take a closer look at the truth behind all those glowing otto insurance reviews to find out what exactly the company offers and whether or not it’s worth using.

what insurance plans does otto offer?


Many customers have found themselves a bit put off after arriving at Otto’s website, only to discover that the company doesn’t actually offer insurance at all. As it turns out, Otto Insurance isn’t an insurance company in and of itself, so they don’t actually offer any of their own policy options.

so what exactly is otto and where is the “insurance” part of his name included?

otto claims to be an insurance rate comparison site that will present you with different quotes from insurance companies in your area. but after using the service, many customers have found even these claims to be a bit misleading.

how does otto insurance work?


Otto Insurance claims to be your one-stop-shop for finding the best rates offered by various insurance companies. Upon arriving at the Otto website, you’ll be prompted to choose from one of several different types of insurance, including:

  • car
  • pet
  • home
  • life

Next, you will be asked to complete a short questionnaire that will ask you questions about yourself and whatever it is you want to secure. While the entire process is relatively straightforward, you won’t actually be able to view any of the available quotes without entering your contact information.

For many clients, this is where things get a little dicey.

otto insurance incomplete privacy policy


Before accessing a single quote, Otto requires you to submit personal information such as your name, address, phone number, and email address. Otto Insurance’s privacy policy reveals that they also reserve the right to collect additional information about you from other “online and offline” sources.

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In addition, the otto website stores cookies on your computer to collect everything from your IP address and internet service provider to the area code associated with its server.

why so much big brother action? Because while otto insurance promotes itself as a free tool geared toward helping customers, its real focus seems to be generating leads for its insurance partners.

otto takes all the information they collect about you and passes it on to their associated insurance providers, which number in the thousands. These companies then use your information to relentlessly contact you in an effort to sell you their products.

common customer comments/complaints about otto insurance


Though you may find plenty of great Otto Insurance reviews supplied by the company itself, things get a lot less flattering on other review sites. The company’s Facebook reviews page, for instance, reveals an overall review of just one out of five stars.

one of the most prominent complaints among otto insurance reviews is the fact that the companies otto shares your information with are not shy about contacting you. this usually results in a stream of spam calls and emails.

In addition, many users complained that otto ended up directing them to their own insurance providers, where they were offered even more expensive quotes than what they were currently paying.

The truth is, while Otto Insurance claims to make it easy to compare different rates, it actually presents you with very few quotes. You’ll mostly be directed to the third-party websites of insurers in your area, all of whom you’ll need to speak to directly to get an actual personalized quote.

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You may also want to read:

  • is sproutt life insurance legit?

Is otto insurance bbb accredited?


No. Otto Insurance is not accredited by the Better Business Bureau. While it claims to work on behalf of customers, Otto’s setup is actually designed to collect lead-generation information on behalf of insurance companies. While the company is technically legit in that it doesn’t attempt to scam customers out of money, it’s not the convenient insurance quote comparison tool it claims to be either.

how is otto insurance classified overall?


Overall, we’d have to rate Otto Insurance on the lower end of the spectrum, with one star at the most.

To be fair, otto is pretty transparent about the fact that they’re not really an insurance service once you get to their site. but its claims to provide users with advance quotes that they can compare for free is incredibly questionable.

While you may be presented with a vague quote or two to compare, otto usually alerts you to the fact that an agent will be contacting you soon. By submitting your information to Otto, you’re less likely to end up with a list of solid quotes to compare and more likely to end up receiving spam calls from more insurance providers than you ever knew existed.

Whether you’re looking for an online insurance quote comparison tool or a real insurance provider, there are much better options than otto insurance.

the pros and cons of otto insurance

While you’ll find many negative otto insurance reviews online, if you don’t mind being contacted directly by a wide variety of insurance providers, then it may be worth looking into. here is a breakdown of the pros and cons of otto.

a better alternative to otto insurance services

If you’re looking for an easy way to compare insurance quotes, you can also check out to find affordable rates. rest assured they never sell your personally identifiable information. just enter your zip code and you’ll be directed to some of the best options for auto, home, renters or life insurance

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find the best rate for you

There are also some great insurance providers here:

many people end up on the otto insurance website hoping to purchase coverage before realizing that otto is not a real insurance provider. If this sounds familiar, we recommend checking out one of these reputable providers.


progressive is the largest auto insurer in the us. uu. and the third largest insurance company overall. With more than 27 million customers, progressive offers insurance for just about anything you could hope to insure.

From home and auto insurance to pet and travel insurance, progressive has you covered. the company is also known for its wide range of discounts and customization options.

Getting a quote from progressive is as easy as selecting the type of insurance you’re interested in and filling in your information on their website. You can also contact progressive directly by phone, email or chat.


If you’re looking for life insurance, be sure to check out Prudential. As a fortune 500 company, Prudential is known around the world for providing insurance and investment services to both individuals and institutions.

First founded in 1875, Prudential now serves clients in more than 40 countries. The company offers a wide range of plans, as well as resources that can help you choose the one that’s right for you.

Simply fill in your information on the prudential website to get a quote or contact one of the company representatives for help with any questions you may have.

We hope this has helped you get an idea of ​​how otto insurance works, what you’ll get from it, and whether or not its services align with your needs. As always, be careful when giving out your personal information online.

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