otto insurance

When it comes to car insurance, to find the right coverage at an affordable price is crucial. In your search, you might have come across Otto Insurance, a platform that promises to provide you with car insurance rates in seconds. However, before you dive in, let us take a closer look at what Otto Insurance really is and whether it lives up to its claims.

What Is Otto Insurance?

Otto Insurance is not your typical insurance company. Instead, it operates as a lead generation website. What does that mean? Well, when you visit Otto’s website and request a quote, you are not dealing directly with an insurer.

Instead, Otto collects your information and shares it with its network of marketing partners and insurance affiliates.

How Does Otto Insurance Work?

  • Lead Generation: Otto’s primary function is to generate leads. When you submit your details for a quote, Otto passes that information along to various insurance companies and agents. These partners include big names like Progressive, Geico, State Farm, and Allstate, as well as regional carriers and other marketing firms.
  •  Affiliate Connections: Otto claims to work with over 1,000 affiliate insurance companies. These affiliates offer different types of car insurance coverage. So, while Otto itself does not provide insurance, it acts as a bridge between you and these insurers.

Pros and Cons of Using Otto Insurance

Here we have discussed some pros and cons of using Otto Insurance:


  • Ease of Use: Otto’s website is straightforward and user-friendly. You can quickly enter your information and get quotes.
  •  Free Service: Otto does not charge you for its lead generation services. You can explore quotes without spending a dime.
  •  Wide Network: By connecting you with thousands of affiliates, Otto gives you access to a broad range of insurance options.
  •  Coverage Variety: Otto offers quotes for car, pet, home, and life insurance. So, if you are looking for more than just auto coverage, it might be worth to consider.


  • Not an Insurance Company: Remember that Otto is not an insurance provider. It does not underwrite policies or handle claims directly.
  •  Limited Information: There is little publicly available information about Otto Insurance itself. Transparency is important when dealing with financial services.
  •  No Price Quotes: Otto does not give you actual price quotes. Instead, it connects you with agents who will follow up with calls and emails. Be prepared for a barrage of communication.
  •  Lack of Control: Unlike other comparison sites, you cannot choose which specific companies you want quotes from. Otto’s partners dictate that.

Important Articles

How can I find the best car insurance rates?

To find the best car insurance rates can be a difficult task, but with a little research and comparison, you can make an informed decision. Here are some steps to help you find the most suitable coverage at an affordable price:

  • Compare Online: Use online comparison tools to compare car insurance rates from different providers. Websites like Policybazaar allow you to enter your details and receive quotes from multiple insurers. By comparing these quotes, you can identify the most competitive rates.
  • Understand Coverage Types:
    • Comprehensive Coverage: This covers damage to your car caused by accidents, theft, vandalism, and natural disasters.
    • Third-Party Liability: This covers damages to other people’s property or injuries caused by your vehicle.
    • Own Damage: This covers damage to your own car due to accidents, fire, or theft.
  • Consider Add-Ons:
    • Zero Depreciation: Also known as “Nil Depreciation” cover, it provides complete coverage for body parts of your car without considering depreciation.
    • Roadside Assistance: An add-on that offers services like flat tire repair, fuel delivery, and breakdown assistance.
    • Key & Lock Replacement: Covers the cost of replacing stolen car keys and locks.
  • Research Top Insurers:
    • Look into reputable insurance companies. Check their financial stability, customer reviews, and claims settlement ratio. Websites like NerdWallet and Bankrate provide information on top insurers and their rates.
  • Evaluate Discounts:
    • Many insurers offer discounts based on factors like safe driving, bundling policies, and anti-theft devices. Inquire about available discounts.
  • Maintain a Good Driving Record:
    • Safe driving habits can lead to lower premiums. Avoid accidents and traffic violations.
  • Consider Your Deductible:
    • A higher deductible means lower premiums, but you’ll pay more out of pocket in case of a claim.
  • Review Your Policy Annually:
    • As your circumstances change, your insurance needs may too. Regularly review your policy to ensure it still meets your requirements.

Our Verdict

While Otto Insurance is legitimate, it might not be the most efficient way to find car insurance rates. If you are okay with receiving multiple phone calls and emails from agents, go ahead and use Otto. However, if you prefer a more streamlined process, consider doing your own research to compare rates directly.

Some Questions

What Is Otto Insurance?

Otto Insurance is not a traditional insurance provider. Instead, it operates as an online marketplace that connects customers with various insurers.

How Does It Work?

You can start the quote process online through Otto. For more, you can check this complete article.

Who is the parent company of Otto Insurance?

Otto Insurance is a wholly owned subsidiary of Global Agora, a venture capital fund.

What is the most trusted insurance brand?

Some of the most trusted insurance brands include:

  • USAA: Ranked at the top for auto and home insurance categories.
  • AA Insurance: Consistently recognized as a trusted brand for 12 consecutive years.
  • Root Insurance: Known for its commitment to fairness and insuring good drivers.

Why is insurance so expensive?

Several factors contribute to expensive insurance rates:

  • Discounts and Mistakes: Not all possible discounts are automatically applied, and not updating information can cost you money.
  • Credit Scoring: Some insurers use credit scores to determine rates, as good credit correlates with fewer claims.
  • Coverage Options: Different coverage levels and deductible choices affect premiums.
  • Demographics: Factors like age, location, and driving history impact rates.
  • Risk Assessment: Insurers assess risk based on various criteria, affecting pricing.

How does Root Insurance work?

Root Insurance uses a mobile app to measure driving behavior, offering rates primarily based on how you drive, not who you are.

The process includes:

  • Test Drive: The app measures your driving behavior during a test drive.
  • Customization and Purchase: Customize and purchase your policy via the app.
  • Claim Filing: Access your insurance card and file claims through the app.

Root insures only safe drivers, making it a good choice for those with safe driving habits.