Otto Insurance

The Car Insurance Guide

Overall Personalized Rating: 4/5 (Very Good)

Summary

Headquartered in Miami, Otto Insurance uses innovative technology to make quote comparisons easier for consumers. They are a legitimate insurance comparison site offering a free and beneficial policy-shopping method. The simplicity and speed of their service make them a great option.

Key Benefits

Quick quote comparisons
Personalized results
Options from the top carriers

Ratings Summary

Ratings Highlights

Overall Rating

This is a great option for drivers looking for an easier insurance shopping experience.

Pricing

By making quote comparisons accessible, Otto is a great service that allows drivers to easily find low rates.

Handling Claims

Claims handling will depend on the carrier you opt for.

Uninsured Drivers

Drivers who are currently uninsured can still find reasonable rates by using Otto to compare.

Young Drivers

Drivers under 26 typically struggle to find affordable insurance options. By letting Otto do the comparison work for you, insurance shopping can be a whole lot easier.

Bundling Auto with Other Insurance Types

Bundling is up to the carrier.

Drivers with Tickets/Accidents

As Otto offers easy quotes, they can be a great option for drivers with bad records who are otherwise struggling to find affordable insurance.

Premium Driver

Drivers with a great driving record typically stand the best chance of finding low rates from top carriers. For those looking for a more convenient way to shop these quotes, Otto makes quick quote comparisons easy.

Company Background

Otto Insurance is an insurance comparison site that allows users to easily compare great rates for auto, pet, home and life insurance online. They work with top carriers in each industry to provide the best quotes possible for their customers.The company is based in Miami, Florida.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2025 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.