OTTO Insurance Review 2025: Legit or Just a Lead Generator?
The Bottom Line: OTTO Insurance is a lead generation service, not a licensed insurance agency or real-time quote comparison tool. While free to use, it does not provide instant quotes and shares your personal information with third-party partners, often resulting in spam calls and emails.
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OTTO Insurance at a Glance
OTTO Insurance isn't an insurance company or an insurance-comparison tool. Instead, it's a lead-generation website. Companies that use a lead-generation business model typically have a list of third-party partners with whom they try to connect customers.
✓ Pros
- Free to use
- Auto, pet, and home insurance quotes
- Quick process
✗ Cons
- Lead-generator site
- May result in spam
- Negative reviews on BBB
How OTTO Insurance Works
If you're wondering how OTTO works, we went through the process so you can better understand this company.
After clicking to get an auto quote, OTTO requests lots of information from you. During the process, you'll need to provide your vehicle's make, model, and year, as well as personal information like your name, birth date, credit score, marital status, and more.
Once you input your other information, OTTO requests your email address, address, and phone number. Below the input field, you'll notice some fine print that indicates you'll likely receive phone calls, emails, and texts from OTTO's marketing partners.
Users have reported receiving several phone calls, texts, and emails after sharing their contact information with OTTO.
OTTO Insurance Reviews: What Real Customers Are Saying
Because OTTO isn't an insurance company, it doesn't have company reviews or performance data available on sites like AM Best, the National Association of Insurance Commissioners (NAIC), or J.D. Power. These sites rate insurance companies on metrics like customer satisfaction and financial stability.
But customers have shared feedback about OTTO on review sites like Trustpilot and the Better Business Bureau (BBB). The company earns just 1.8 out of 5 stars from Trustpilot users and 1.44 stars with the BBB. Several reviewers report receiving many unexpected phone calls and texts from car insurance companies, though some report that the site helped reduce their insurance premiums.
OTTO vs. Insurify
Insurify is a quote-comparison website that provides users with real-time insurance quotes from top insurers, including household names like Progressive, Liberty Mutual, and Travelers. It's a licensed agency in all 50 states and Washington, D.C.
| Feature | OTTO Insurance | Insurify |
|---|---|---|
| Real-time quotes | No | Yes |
| Sells customer information | Yes | No |
| Licensed insurance agency | No | Yes |
| Average Trustpilot rating | 1.8 out of 5 | 4.8 out of 5 |
Recent Sample Insurance Quotes
See real quotes users received through the Insurify platform. Quotes are from November 2025 and will vary based on your profile.
Buckeye, AZ | Honda Pilot
Liability Only | Quoted Nov 12, 2025
Alexandria, LA | KIA Forte
Quoted Nov 11, 2025
National Average
Updated Oct 31, 2025
Frequently Asked Questions
Otto may not explicitly sell your information, but it can share your contact information with its third-party insurance partners, which often leads to multiple companies contacting you.
No. You will not see real-time quotes on their website. The "quotes" come later, directly from agents who contact you.
It operates as a lead generator, not a scam in the traditional sense. However, its business model is not transparent to all users, and its practices have led to numerous consumer complaints.
Disclaimer: Quotes generated for Insurify users within the last 10 days. Last updated on November 13, 2025. Actual quotes may vary based on the policy buyer's unique driver profile.
Final Verdict
We do not recommend using OTTO Insurance. The lack of immediate quotes, the high potential for spam, and the overwhelming volume of negative user reviews make it a poor choice for shopping for insurance.
For a secure, transparent, and user-controlled experience where you can see real quotes from over 120+ companies without obligation, use a licensed service like Insurify.
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