is otto insurance legit or Scam? Reviews

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Otto Insurance is a legitimate lead generation site that connects consumers with licensed insurance agents and carriers. As a member of the National Association of Insurance Commissioners (NAIC) and with licenses to sell insurance in all 50 states, Otto Insurance has met the necessary regulatory requirements to operate across the United States. Their reputation with consumers is generally positive, as indicated by their high rating on Trustpilot and recognition in reputable publications.

However, it is important to be aware of some concerns related to Otto Insurance. Firstly, as a lead generation site, Otto Insurance does not directly provide insurance policies but rather facilitates connections between consumers and insurance agents/carriers. This means that they do not have direct control over the policies sold through their website, which may lead to variations in coverage and terms.

Additionally, some consumers have reported receiving multiple phone calls and emails from Otto Insurance after submitting a quote on their website, suggesting potentially aggressive marketing tactics. While this can be seen as a drawback, it is not uncommon for lead generation sites to engage in active marketing strategies to connect consumers with insurance providers.

In conclusion, Otto Insurance is a legitimate business that offers a convenient platform for comparing insurance rates and coverage options. However, it is important to approach their services with caution and conduct thorough research. Consider comparing rates and policies from other insurance providers to ensure you make an informed decision that aligns with your insurance needs.


In summary, Otto Insurance is a legitimate and reputable lead generation site that connects consumers with licensed insurance agents and carriers across all 50 states. The company’s membership in the NAIC and possession of licenses in each state attest to its commitment to operating within regulatory guidelines and providing nationwide coverage.

Customers have expressed satisfaction with Otto Insurance, as reflected in its high rating on Trustpilot. The recognition it has received from notable publications like Forbes and The Wall Street Journal further strengthens its reputation in the industry.

While there are concerns about Otto Insurance’s role as a lead generation site and potential aggressive marketing tactics, it is important to understand that these practices are not uncommon in the industry. Consumers should exercise caution and carefully review the policies they purchase through the platform to ensure they meet their specific needs and requirements.

To make an informed decision, it is advisable to compare rates and coverage options from multiple insurance providers, including those outside of Otto Insurance. This will enable consumers to select the policy that best suits their individual circumstances.

Overall, Otto Insurance provides a convenient and reliable platform for insurance comparison. By approaching the platform with awareness, understanding its limitations, and conducting thorough research, consumers can navigate the insurance market effectively and make informed decisions regarding their coverage.

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