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Otto Car Insurance Review for 2024 | U.S. News
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Otto is not a car insurance company. It is an online marketplace that connects customers with insurers.
You can begin the quote process online but will have to speak with an agent to get a quote and purchase coverage.
Otto customers may be able to customize selected coverage with features like accident forgiveness and roadside assistance.
Otto Insurance is not an insurance company that issues its own policies. It’s a lead-generation website that partners with a number of providers that offer several types of coverage, including car insurance. Affiliated companies include Progressive, Nationwide, Farmers – all major insurers included in our rating of the best car insurance companies – as well as smaller firms like Mercury, Esurance, and others.
Details on the Otto website are scant, making it difficult to get an idea of how much you may pay for car insurance without going through the free quote process. Doing so is fairly simple. After completing a questionnaire, Otto uses your information to match you with one car insurance provider that may have the cheapest rates. From there, you’ll be directed to that insurer’s website, where you’ll have to go through a more lengthy quote process in order to obtain an actual offer.
Pros:
Online application process is simple to use
Searches multiple insurers to find the best one for your needs
Cons:
Does not display an actual insurance quote
Limited information on the website
Personal information may be shared with third-party providers
Because Otto is a digital insurance marketplace, not an insurer, it may be a good option for drivers who prefer a one-stop-shopping approach to searching for car insurance online – provided that the insurer Otto leads you to is, in fact, the best one for your needs with the cheapest rate.
Otto isn’t a direct insurer, so it is not rated by AM Best or J.D. Power. According to a handful of reviews from Trustpilot, users said they received multiple solicitation calls and emails after completing Otto’s online quote request form.
While Otto Insurance isn't an auto insurance provider, it connects customers to different insurance companies. Your state’s laws may require certain coverage; however, your coverage options may vary across insurers and locations. Through Otto Insurance, the available coverage options should be comparable to those provided by many other auto insurers, including:
Liability
Liability car insurance provides financial protection if you’re found legally responsible for an accident causing injury, death, or damage. It can also apply if someone else is driving your car and causes an accident. Liability insurance typically includes coverage for bodily injury and property damage.
Comprehensive
Comprehensive coverage protects your vehicle from an incident that is not a car accident, such as natural disasters, theft, fire, or vandalism.
Collision
This insurance pays for repairing or replacing your vehicle after an accident, even if you are at fault.
Personal injury protection (PIP)
Personal Injury Protection, often called PIP or no-fault insurance, covers the costs for any injuries to you and your passengers after an accident, no matter who was at fault.
Uninsured / underinsured motorist
Some drivers on the road may lack sufficient car insurance or have none at all. Uninsured and underinsured coverage protects you and your passengers if an injury results from an accident involving a driver with inadequate car insurance.
Medical payments
Medical payment insurance is an optional addition to your regular policy, offering extra coverage for medical expenses related to accidents for you, your passengers, and even pedestrians.
SR-22
If you’ve had significant moving violations or your license revoked, your state might mandate submitting an SR-22 form. This confirms that you have sufficient liability insurance to meet the state’s standards. Certain car insurers may assist you with filing the necessary paperwork for an SR-22 and alert your state that you are now covered.
Gap insurance
If you finance your vehicle and it is totaled in an accident, gap insurance covers the gap between your car’s actual cash value and your remaining loan balance.
Compare Car Insurance Quotes
Get free personalized quotes with one simple form.
Depending on the provider that Otto Insurance matches you with, you may be able to customize your car insurance policy with additional coverage options, such as:
Accident forgiveness
Accident forgiveness is a benefit from certain car insurance providers that prevents your premium from increasing after you’re at fault in an accident. Typically, if you have a clean driving record for a set period, your insurance company will “forgive” one at-fault accident and keep your rate the same.
Roadside assistance
Roadside assistance is a service from your insurance company that helps in roadside emergencies, such as towing, jump-starts, tire changes, fuel delivery, and lockout assistance.
Rental car reimbursement
Rental car reimbursement assists in paying the cost of a rental car while your vehicle is in the shop following a covered accident.
Ridesharing insurance
This insurance provides additional coverage for those who work as drivers for ridesharing services such as Uber and Lyft.
When you use Otto Insurance, you may be able to access several car insurance discounts from various providers to help you save on your car insurance. Some common car insurance discounts include:
Good/safe driver
Student
Bundling
Loyalty
Paperless
Military
Safety features/anti-theft devices
When you visit Otto's website, you’ll be prompted to choose the type of insurance you need: auto, pet, home, or life. Once you’ve selected auto insurance, you’ll be directed to an online form where you will be prompted to provide the following information:
Vehicle year, make, model, and trim
Current auto insurer
Marital status
Homeownership status
Gender
Birthday
Credit score
Full name
Email address
Address, including ZIP code
Phone number
Once received, Otto will inform you of a company offering potentially cheap car insurance rates in your area. An “Access Your Quote” option will direct you to that insurer’s quote page. Please note that you will need to provide additional information to the insurer selected by Otto. Each insurer may have different requirements, so be prepared to provide the necessary details. You can also speak with a live Otto agent with questions or concerns.
Compare Car Insurance Quotes
Get free personalized quotes with one simple form.
According to Otto’s website, the company can also assist you with finding quotes for the following types of insurance:
Home
Life
Pet
Commercial
To reach customer service, policyholders can email info@ottoinsurance.com. Contact an Otto Insurance agent at (855) 994-1488 to get a car insurance quote.
To file an insurance claim, visit the company’s website and select your insurance provider's online filing link. Insurers may require different information, but you'll likely need the location, date, and time of the accident, contact information for all involved, insurance policy numbers, photos of the damage, and a copy of the police report.
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