Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Dec 30, 2021

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The Lowdown

  • OTTO is not actually an auto insurance company
  • OTTO insurance sends your information to thousands of affiliates and companies after you fill out an online form
  • OTTO is free to use and also provides pet, home, and life insurance quotes for comparison purposes

OTTO is a quote comparison website and not actually an auto insurance company.

In this OTTO insurance review, learn if this company is safe to use, determine how accurate the rates are, and discover if it’s the right online quote tool for you to use while shopping for your best auto insurance coverage.

Fortunately, instead of affordable OTTO auto insurance, you can compare real rates from the top companies in your region for free right now simply by entering your ZIP code into our quote comparison tool above.

What is OTTO Insurance?

OTTO is an online insurance quote comparison website. It is not an auto insurance company and does not technically sell traditional or non-standard insurance coverages.

So you cannot submit any OTTO auto insurance claims or purchase any specific coverage options from this company.

Plus, there are no average OTTO auto insurance rates.

Instead, you complete a short online form on the OTTO website. After submitting the form, it provides you with quotes from multiple real auto insurance companies based on your information.

In the table below, view the OTTO insurance contact information.

OTTO Insurance Contact Information
Company DetailsContact Information
Address429 Lenox Ave Fl 5,
Miami Beach, FL
33139
Phone number1-855-534-4513
Email address[email protected]
Get Your Rates Quote Now

Compare RatesStart Now →

Like many online quote comparison websites, you cannot choose what companies you receive rates from. Instead, the information is sent to the network of over 1,000 company partners or affiliates.

Also, despite the website stating that you’ll receive quotes in as little as 30 seconds, the quoted rates are not guaranteed. Instead, you connect with an agent representing the company you’re most interested in.

You often must provide additional personal information to the auto insurance company. Then you’ll receive your accurate, final quote. This is typical for many online quote comparison websites.

Fortunately, OTTO is free to use. This is important because reputable online quote websites never charge any fees.

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How do you request OTTO auto insurance quotes?

To request OTTO auto insurance quotes, you must visit the company website and select the SEE MY RATES button.

You must then fill out a short online form with information about your ZIP code, vehicle make and model, and more. You also provide information about what current auto insurance company you use.

Remember, you’re not actually receiving rates for a policy from OTTO. OTTO is not a licensed auto insurance company.

Instead, the company is sending your information to thousands of affiliates and agents who offer you an estimated rate for coverage. For this reason, OTTO is referred to as a lead-generation website.

After the partner companies receive your information, some auto insurance representatives may contact you through your phone number or email address.

Keep in mind that the lowest rates on OTTO may not be available from the auto insurance companies listed depending on where you live.

It is then up to you which companies you communicate with further for a final quote.

Because auto insurance companies all use unique equations to calculate your auto insurance rates, you usually must provide additional information to the company.

Understand that your final quotes may be higher or lower than what OTTO provided you with. This is relatively normal for online quote comparison websites.

How do you buy OTTO auto insurance?

As previously mentioned, after you receive your list of quotes from OTTO’s partner companies, it is up to you what agents you communicate with further. Agents usually try to contact you by phone or email to follow up with the company you’re most interested in to finalize your application.

How do you know if your quotes are actually low-cost? You can compare it to the national average cost of auto insurance.

According to the National Association of Insurance Commissioners (NAIC), the average cost of auto insurance in 2018 was $99.16 per month or $1,190 annually.

You make the final purchase through the auto insurance company you buy a policy from. From then on, all communication about your policy, monthly bills, claims, and more is also through that company.

What are the OTTO Insurance ratings and reviews?

OTTO auto insurance reviews from customers on the company website are positive. People mention saving various amounts on their policies by using the OTTO quote comparison services.

However, other online reviews are unfortunately negative. It currently holds a 2.6-star rating out of five on Google and a 1.6-star rating on the social media platform Facebook.

Some customers claim they received more phone calls and emails than actual quotes.

However, other negative reviews are because some users did not understand that OTTO is not an insurance provider.

To be fair, OTTO mentions in multiple parts of the website that it does not sell auto insurance but connects you with companies based on your information.

OTTO is not accredited by the Better Business Bureau (BBB) and does not have a BBB rating. The BBB claims OTTO is out of business, which is inaccurate.

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What are the pros and cons of OTTO Insurance?

One of the pros of using OTTO is that you’re connected to thousands of affiliates, which provides you with many potential options for auto insurance coverage.

Using the website is also free, and the questionnaire is simple and easy to follow. You can also compare quotes for other insurance lines, like OTTO homeowners insurance and more.

The other insurance types include:

However, some cons include that the website shares your information with many other companies, and representatives for those companies may contact you.

Some users did not appreciate the number of phone calls that they received after submitting the form.

Are quote comparison websites safe to use?

Quote comparison websites that are legitimate are safe to use. Understand that secure, reputable online comparison websites never ask you for payment and will not ask for your credit card information.

If a quote comparison website does ask for that information, it may be a scam or a phishing company.

Phishing companies send you false emails with insecure links, putting your information at risk.

Never provide your personal information to a company you feel is attempting to scam you. Also, do not click on any links, especially from an email or even a text message.

Is OTTO insurance safe? This online quote comparison website does appear to be legitimate and safe.

However, it does share your contact information with over one thousand affiliates and partner companies.

OTTO Insurance: The Bottom Line

OTTO allows you to compare quotes online from various auto insurance companies for free.

But some customers state that you may get more phone calls than quotes by using this website.

Fortunately, there are many safe and reliable rate comparison websites like OTTO out there today.

There’s no need to visit the OTTO auto insurance company website when you can simply enter your ZIP code into our free quote comparison tool below to compare accurate rates from the best companies near you quickly.