Is Otto Insurance Legit: A Comprehensive Review

insurance legit

Finding coverage that is both inexpensive and appropriate for you involves making comparisons between different types of auto insurance. However, if you type “compare car insurance” into your preferred search engine, it can return both reliable sites and some legitimate businesses.

Here’s what you need to know about Otto’s quote comparison tool, its functions, and what to watch out for if you’re looking for new coverage. Do you know Is Otto Insurance Legit?

What Is Otto Insurance?

Otto Insurance is a legitimate lead generation company that connects consumers with insurance agents and carriers. When you request a quote from Otto Insurance, your information is shared with two of its partners, who will then contact you with quotes.


However, there needs to be more information about the company’s background, such as its location, history, or ownership. The website’s domain name was registered in 2019, but it does not have a physical address or a phone number listed on its site. The only way to contact the company is through an online form or an email address.

How Does Otto Insurance Work?

To get a quote from Otto Insurance, visit the company’s website and enter your contact information and insurance needs. Otto Insurance will then share your information with two partners, who will contact you with quotes.

You must contact the insurance company directly if you want insurance from one of Otto Insurance’s partners. Otto Insurance does not play any role in the sales process. 

Otto Insurance: What to Keep in Mind: Before you request a quote from Otto Insurance, it is important to keep the following things in mind:

Otto Insurance is not an insurance company itself. You will need to purchase insurance directly from one of its partners. After you request a quote from Otto Insurance, you may receive multiple calls and emails from insurance agents. Otto Insurance has a weak online presence, and limited information about the company is available. 

What is the minimum coverage for Otto Insurance?

The minimum coverage for Otto Insurance varies depending on the type of insurance you are purchasing. 

For example, the minimum coverage for car insurance is typically liability insurance, which covers the cost of damages to other vehicles and property if you are at fault in an accident.

If you need clarification about the minimum coverage requirements for the type of insurance you purchase, you should contact an insurance agent.

Is Otto Insurance Legit?

Yes, Otto Insurance is Legit lead generation company. It is not an insurance company but works with a network of over 1,000 insurance agents and affiliates. Otto Insurance is headquartered in Miami Beach, Florida, and was founded in 2017.

Types of Otto Auto Insurance:

Otto Insurance offers a variety of auto insurance products, including:

  1. Liability insurance
  2. Collision insurance
  3. Comprehensive insurance
  4. Uninsured/underinsured motorist coverage
  5. Medical payment coverage
  6. Personal injury protection (PIP) coverage
  7. Otto Home Insurance
  8. Otto Insurance offers a variety of home insurance products, including:
  9. Dwelling coverage
  10. Other structures coverage
  11. Personal property coverage
  12. Loss of use coverage
  13. Liability coverage

Otto Insurance offers a variety of life insurance products, including:

  1. Term life insurance
  2. Whole life insurance
  3. Universal life insurance
  4. Pet Insurance

Otto Insurance offers a variety of pet insurance products, including:

Accident and illness coverage

  1. Wellness coverage
  2. Behavioral coverage
  3. Otto Insurance Quotes

To get a quote from Otto Insurance, visit the company’s website and enter your contact information and insurance needs. Otto Insurance will then share your information with two partners, who will contact you with quotes.

Why Is Otto Insurance So Cheap?

Otto Insurance can offer lower quotes than other insurance companies because it is a lead generation company. This means that Otto Insurance has a different overhead cost than traditional insurance companies, such as maintaining a large sales force.

Is Otto Insurance a Scam?

Otto Insurance may not be a fraud, but based on the information at our disposal, we can state that it is not a dependable or trustworthy service. It exposes consumers to unsolicited interactions and potential scams from other businesses and gives no explicit or factual information about itself or its services. 

Therefore, we advise customers to exercise caution when disclosing personal information online and do not suggest utilizing Otto Insurance to acquire insurance quotes.


 Otto Insurance is a legitimate and competitive provider with various offerings. While it may not be the best fit for everyone, it’s worth considering when shopping for insurance. 

Always conduct thorough research, compare quotes, and read reviews to make an informed decision about your insurance provider.

Is Otto Insurance Safe?

Yes, Otto Insurance is safe. Yes, Otto Insurance is also a National Association of Insurance Commissioners (NAIC) member.


Is Otto Insurance a Trustworthy Company?

Yes, Otto Insurance is a reputable insurance provider with a solid track record in the industry.

How Can I Get a Quote From Otto Insurance? 

You can easily obtain a quote from Otto Insurance by visiting their website or contacting one of their licensed agents.

Are Otto Insurance Rates Competitive? 

Yes, Otto Insurance is known for its competitive pricing and a range of discounts that can help customers save on premiums.

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