---
title: "What is Otto Insurance? [Updated 2026]"
description: "Otto Insurance is not an insurance agent, carrier, or broker. They are a lead-generator that does not provide direct quotes but instead matches you to agents, brokers, and carriers who can sell you a policy."
canonical: "https://www.coveragecat.com/reviews/otto"
last-updated: "2026-08-13"
---

# Is Otto Insurance Legit?

*Otto Insurance is not an insurance agent, carrier, or broker. They are a lead-generator that does not provide direct quotes but instead matches you to agents, brokers, and carriers who can sell you a policy. Completing their form permits Otto to sell your information to third-parties.*

## What Is Otto Insurance?

Otto Quotes, LLC operates as a digital insurance marketplace based in Miami Beach, Florida. Founded on January 31, 2022, by Joshua Keller, the company serves as an intermediary between consumers seeking insurance. The company is registered in Delaware with an EIN of 84-4109583 and maintains active status with the Florida Division of Corporations [(Florida Division of Corporations, "OTTO QUOTES, LLC - Detail by Entity Name", 2025)](https://search.sunbiz.org/Inquiry/CorporationSearch/SearchResults?InquiryType=EntityName&InquiryDirectionType=ForwardRecord&SearchTerm=OTTOPHY+LLC&SearchNameOrder=OTTOQUOTE+M220000033010&ListNameOrder=OTTOPHY+L230003959440&Detail=FL.DOS.Corporations.Shared.Contracts.FilingRecord).

Otto's business model centers on collecting consumer information and distributing it as leads to partner insurance providers. According to their LinkedIn profile, the company has reached over 17 million people since inception [(LinkedIn, "OTTO Quotes", 2026)](https://www.linkedin.com/company/otto-quotes). Otto does not underwrite policies, process claims, or maintain the financial strength ratings typically associated with insurance carriers [(TrustDALE, "Is Otto Insurance Legit? What Consumers Should Know", 2026)](https://trustdale.com/blog/is-otto-insurance-legit-what-consumers-should-know).

### Otto Insurance vs. Otto Insurance Group

Consumers often confuse Otto Quotes, LLC with Otto Insurance Group, an independent insurance agency based in Westerville, Ohio. The Ohio-based firm is an established independent agency that directly underwrites and services policies, while Otto Quotes solely generates leads [(USA Inquirer, "Otto Insurance Reviews and Ratings", 2025)](https://usa.inquirer.net/181252/otto-insurance-reviews-and-ratings). These two entities operate independently despite sharing similar names.

## Types of Insurance Otto Offers

Otto offers [auto](/car-insurance), pet, [home](/homeowners-insurance), life, and commercial insurance. While it's great that they provide a one-stop shop for insurance, Otto Insurance does not sell these policies on their site. Otto calls itself a "concierge service for insurance" and their main focus is to match your information with insurance companies, agents, brokers, or other providers who want customers like you.

The platform partners with major national carriers including Progressive, Geico, State Farm, and Allstate, plus regional providers [(Otto, "Partners", 2026)](https://www.otto.com/partners). Coverage options depend entirely on which insurance company the user ultimately selects from Otto's partner network [(Credit Karma, "Otto auto insurance services review: Compare quotes from numerous insurers", 2025)](https://www.creditkarma.com/insurance/i/otto-insurance-review).

## How does Otto Insurance work?

We've seen many ads for Otto Insurance online, particularly on social media sites like TikTok, Instagram, and Facebook and they all focus on how easy it is to get a lower rate on your insurance through Otto. According to these ads, you can fill out a form that takes less than two minutes, instantly compare quotes, and receive better prices for the insurance you're currently buying. If you're using Otto Insurance, what can you expect?

- **Enter your information:** As a lead generation site, Otto Insurance asks for a few key pieces of information related to the different types of insurance they offer. For car insurance, for example, this includes the number of drivers you're insuring and your car make, model, and year. Their form is short and easy to fill out, especially if you're on a phone or smaller screen.

* **Compare quotes:** While Otto Insurance's website shows easy online comparisons between various insurance companies, entering your information usually [doesn't provide the advertised quote comparison](#reality). Finishing a form only links you to one insurance company or another lead-generator site such as Insquote.com or Everquote.
* **Fill out more forms:** If you choose to click on a link Otto Insurance provides, you're often required to re-enter the information you just provided. **Most customers don't receive the instant quote Otto Insurance shows on their websites or ads.** Some websites import your information from Otto Insurance fairly quickly but ask for more information — while others require you to enter all your information again.
* **Answer phone calls and emails:** The primary way that lead generators make money is by selling your information to other companies. **Lead generators are not a scam, however, because they sell your information to actual insurance agents and carriers.** It is possible some customers find cheaper policies through Otto Insurance if they answer the sales calls or emails they receive when they sign up. **But providing your name, number, and email also opens you up to be contacted by any or all of their carriers.** While you can ask Otto Insurance to remove you from their call or mailing lists, you need to opt-out or unsubscribe from each service provider once they have your information. Users report receiving 10 or more daily calls from multiple providers after submitting a quote request [(Cobb Defense, "Is Otto Insurance Legit for Coverage in 2025?", 2025)](https://cobbdefense.com/otto-insurance-review/).

  > For a list of the hundreds of companies that Otto Insurance can provide your name, email, phone number, and information to when you fill out their form, [click here](https://f.ottoinsurance.com/carriers).

 ![](/cms/images/uploads/img_C51ECAB7802EE1C31_OttoInsuranceRealUserExperience21.png)

## Pros and Cons of Otto Insurance

| Pros | Cons |
|------|------|
| One-stop form for multiple insurance types | Otto cannot directly sell you policies |
| Coverage available in all 50 states | Submitting information results in calls and emails from many companies |
| Easy online application | Required to fill out multiple forms to see actual quotes |
| Partners with major national carriers | 73% of customer reviews give one star on Trustpilot |

## Ratings and Customer Feedback for Otto Insurance

Otto Insurance has limited information on its website, but they provide [reviews](https://ottoinsurance.com/reviews.html) from their "community of over 10 million satisfied customers." Because Otto Insurance is not an insurance company, they don't receive independent ratings through agencies like A.M. Best [(TrustDALE, "Is Otto Insurance Legit? What Consumers Should Know", 2026)](https://trustdale.com/blog/is-otto-insurance-legit-what-consumers-should-know).

Review sites like [Trustpilot](https://www.trustpilot.com/review/ottoinsurance.com) and [Quora](https://www.quora.com/What-is-your-review-of-Otto-insurance-car-insurance-Is-it-a-scam) provide unfiltered reviews from real customers, but we found limited customer reviews for Otto Insurance overall. The Better Business Bureau reports that Otto Quotes, LLC holds a B+ rating based on 20 complaints filed over three years, though the company is not BBB accredited [(Better Business Bureau, "Otto Quotes, LLC", 2026)](https://www.bbb.org/us/fl/miami-beach/profile/insurance-consultant/otto-quotes-llc-0633-92028407). BBB complaints focus on unsolicited contact and data use, with consumers reporting multiple calls, texts, and emails from various insurance agencies after submitting information [(Better Business Bureau, "Otto Quotes, LLC | BBB Complaints", 2026)](https://www.bbb.org/us/fl/miami-beach/profile/insurance-consultant/otto-quotes-llc-0633-92028407/complaints).

> Otto Insurance complaints center on too few quotes for the number of price-comparison websites you have to visit, providing your information to other companies, repeated sales calls and emails, and misleading advertising.

| Rating Source | Score | Key Complaint Pattern |
|--------------|-------|----------------------|
| Trustpilot | 2.3 out of 5 | One-star reviews from 73% of customers |
| Better Business Bureau | B+ (not accredited) | 20 complaints over 3 years about unsolicited contact |
| BBB Customer Reviews | 1.43 out of 5 | Based on 14 customer reviews |

### Real Trustpilot reviews for Otto Insurance

<div class="grid customer-review">
  <div class="column">
    <p>3 ★</p>
    <p><b>Cindy, August 2022</b></p>
  </div>
  <div class="column">
    <p>I entered my information into this site and it gave
    me two more comparison websites which led me to more comparison
    websites which led me to more comparison websites which led me
    to more comparison websites... In all, I visited about 16
    price-comparison websites, and got 3 actual quotes (of which
    one is the lowest I've seen anywhere.)</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>James, September 2022</b></p>
  </div>
  <div class="column">
    <p>They called me ~12 times within 3-4 hours from
    several numbers, so I couldn't block them. I answered twice and
    asked them to stop. I understand sales calls, but this is
    blatant harassment & I will be filing a report with the
    appropriate government agencies. Don't give your information to
    this website unless you want your phone to ring
    incessantly.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>Aaron, June 2023</b></p>
  </div>
  <div class="column">
    <p>Not actually car insurance. Advertising is very
    misleading.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>Bruce, June 2023</b></p>
  </div>
  <div class="column">
    <p>Lied about rate comparisons, shared our info w/
    many, many insurance providers who will not stop calling,
    texting, and emailing.</p>
  </div>
</div>

## Get customer support for Otto Insurance

Otto Insurance's website focuses on directing you to their various quoting forms. If you need help from Otto, or want to cancel a request you can contact them via:

* **Phone:** While Otto Insurance advertises online insurance comparison, they also encourage you to call them at 1-855-586-2848 to speak with a live insurance agent.
* **Email:** You can contact customer support at info@ottoinsurance.com

### How to cancel Otto Insurance

If you have submitted your information to Otto Insurance and want to cancel your request, you can complete the following steps:

1. Click unsubscribe at the bottom of their emails.
2. Send an email to info@ottoinsurance.com with your phone number and email address.
3. Wait 24-48 hours for a response from Otto Insurance confirming that your information will be erased.

The company responds to BBB complaints by offering data removal through their info@ottoinsurance.com contact [Ibid.](https://www.bbb.org/us/fl/miami-beach/profile/insurance-consultant/otto-quotes-llc-0633-92028407/complaints).

> According to Otto's [terms of service](https://f.ottoinsurance.com/terms) filling out their forms means you consent to receive communications from any of their service providers. Once those companies have received your information, "any request to opt-out or unsubscribe from their communications must be made directly." We found that calls and emails from Otto Insurance-affiliated companies started quickly after filling out their form, so canceling those requests requires contacting every company that calls, texts, or sends an email.

## Frequently Asked Questions

### Why is Otto Insurance so cheap?

Otto insurance is a free service because they are a lead generator or referral service, providing your name, details, and contact information to insurance companies, agents, brokers, and other lead generators. The company earns revenue by selling submitted personal details to licensed insurance brokers [(USA Inquirer, "Otto Insurance Reviews and Ratings", 2025)](https://usa.inquirer.net/181252/otto-insurance-reviews-and-ratings).

### Is Otto Insurance legit?

Otto Insurance is a real company operating as a lead-generation platform under Otto Quotes, LLC, registered in Delaware and active with Florida state authorities since January 31, 2022 [(Florida Dept. of State, "Otto Quotes, LLC – Entity Details", 2022)](https://search.sunbiz.org/Inquiry/CorporationSearch/NameSearch?search_type=ENTITY&search_name=OTTO%20QUOTES%20LLC) [(Delaware Division of Corporations, "Otto Quotes, LLC – Entity Search", 2022)](https://icis.corp.delaware.gov/Ecorp/EntitySearch/NameSearch.aspx?Name=OTTO%20QUOTES%20LLC). The company connects consumers with licensed insurance providers including Progressive, State Farm, and Allstate. However, customers who review their service complain that Otto's ads are misleading and that they receive too many spam calls or emails after completing Otto's forms.

### How do I stop calls from Otto Insurance?

If you've provided your information to Otto insurance, you can cancel your request by emailing info@ottoinsurance.com and providing your name and email address. Unfortunately, once your phone number has been distributed to companies in Otto's network of carriers, you're required to contact each company individually to stop calls.

### Does Otto Insurance have good ratings?

Otto Insurance has a BBB rating of B+ but is not BBB accredited [(Better Business Bureau, "Otto Quotes, LLC", 2026)](https://www.bbb.org/us/fl/miami-beach/profile/insurance-consultant/otto-quotes-llc-0633-92028407). On Trustpilot, 73% of customer reviews give one star [(Trustpilot, "Otto Insurance Reviews", 2026)](https://www.trustpilot.com/review/ottoinsurance.com). Because Otto is a lead generator rather than an insurance carrier, it does not receive financial strength ratings from A.M. Best or other rating agencies.

### Is Otto good insurance for homeowners?

Otto Insurance does not directly provide homeowners insurance policies. As a lead-generation platform, Otto connects consumers with partner carriers who underwrite and service homeowners policies. Coverage quality depends entirely on which partner carrier you ultimately select.

## Summary of Otto Insurance and Customer Reviews

Otto Insurance is not an insurance company or a broker. They're a lead generator designed to connect you with insurance companies or agents that can offer you actual policies. **While it's possible to find a policy and save money through Otto Insurance, you will also receive many phone calls and emails — from companies you have not directly agreed to work with.** Their website provides an easy-to-use form and they're able to connect you with home, auto, pet, life, and commercial insurance, but Otto does not provide policies to compare or sell them directly. While their website displays positive reviews, we found that independent reviews were limited and customer feedback on the amount of calls and Otto's advertising were largely negative.

### Still Interested in comparing insurance quotes?

While lead generators can connect you with legitimate insurance companies, agencies, and brokers — Coverage Cat recommends working directly with these companies if you want to avoid unsolicited calls or emails. An insurance broker or independent agent, like [Coverage Cat](/what-we-do), can compare multiple policies and companies, without selling your information. Brokers and agents can also sell policies directly, cutting out middlemen like lead generators and advertisers. Hate phone calls or spam emails? [Optimize your insurance today with Coverage Cat](https://www.coveragecat.com/intake) — we promise never to call or spam you, and find you the best policy and price through data science.
<article class="invert-article">
  <header class="flex break-sm">
    <img src="/images/general/smaller/cat-on-beach-nbg-f0ec8a000e541607757002629b3dd66e.webp?vsn=d" alt="cat-on-beach.webp" data-hide-cats="true" loading="lazy" class="smaller">
    <hgroup>
      <h2>Want to find the best insurance? Need help?</h2>
      <h6>
        Coverage Cat shops for you. We search across dozens of major insurers and use data science to compare millions of real quotes. The result? The best combination of policies, coverage, and price for your personal financial situation.
      </h6>
    </hgroup>
  </header>
  <div class="grid">
    <div class="column">
      <h6>Our promise:</h6>
      <p>
        <ul class="disc">
          <li>We only share your information to get you quotes</li>
          <li>No unsolicited calls from us or other insurance agents</li>
          <li>As few emails as needed to find you the best insurance</li>
        </ul>
      </p>
      
    </div>
    <div class="flex column center">
      <a role="button" class="btn btn-lg start-intake btn-primary" href="/intake">
  Find the best insurance
</a>
    </div>
  </div>
</article>