Otto is a real business, but it’s a quote-comparison and referral site, not an insurance company, and it publishes less about its licensing than some competitors. The site is run by OTTO Quotes, LLC, which describes Otto as a way to compare quotes and get connected with insurance providers.
Two things on Otto’s own pages are worth knowing before you request a quote: the site doesn’t list a producer license number or NPN, and its privacy policy says it sells personal data with your consent. Neither makes Otto a scam, but both are good reasons to check it yourself first.
Key Takeaways
- Otto is operated by OTTO Quotes, LLC of Miami Beach, Florida. It connects you with insurance providers; it doesn’t issue policies or pay claims.
- Otto’s home and about pages don’t publish a producer license number, an NPN or a list of the insurers it works with, so look up “OTTO Quotes, LLC” with your state’s insurance department.
- Its privacy policy says it sells personal data with your consent and lets partners contact you, including by automated or recorded calls, even if your number is on the Do Not Call list.
- Don’t confuse it with Otto Insurance Group LLC, a separately named agency in Westerville, Ohio, with its own website.
What Otto Is and Who Runs It
| Question | Short Answer |
|---|---|
| Is it an insurance company? | No. It says it connects you with insurance providers. |
| Company name | OTTO Quotes, LLC |
| Location | Miami Beach, Florida |
| License number or NPN on its site | Not published |
| Data practice | Its privacy policy says it sells personal data with your consent |
Otto’s site footer names the operating company as OTTO Quotes, LLC. The Better Business Bureau’s profile lists it as an insurance consultant incorporated on January 31, 2022. It isn’t BBB-accredited, which is voluntary, and the BBB describes its ratings as its opinion rather than a guarantee.
On its about page and home page, Otto says you can compare quotes and that it will connect you with providers. Those pages mention auto, home and pet insurance but don’t name specific insurers, a license number or an NPN.
How to Check Otto’s License
Many licensed agencies list a license number or NPN on an about, licensing or footer page, the way Jerry does. Otto’s pages don’t, so the check is up to you: search the exact legal name, OTTO Quotes, LLC, in your state insurance department’s license lookup.
The NAIC’s directory of state insurance departments links to each state’s regulator. As one data point, a search of Texas’s public agency-license data in September 2026 showed no record under the name “Otto Quotes.” That’s a single state’s records, not a nationwide search, and it doesn’t show whether Otto needs a Texas license for what it does. Your own state’s insurance department can answer both questions.
Don’t mix Otto up with Otto Insurance Group LLC of Westerville, Ohio. That’s a separately named agency with its own website, and Texas’s data does list a license for it.
What Happens to Your Information
Otto’s privacy policy is direct: “we do sell personal data with your consent.” It lists the kinds of third parties that may receive information, including advertising networks, data analytics providers, social networks, data brokers, credit reporting agencies and call centers.
The same policy says its service providers may contact you by phone, including automated or recorded calls, by email or by mail, even if your number is on the national Do Not Call list. Expect to hear from more than one company after you submit your details.
The quote button on Otto’s site leads to a separate tracking link that carries an affiliate ID. Links like that are commonly used to pass a visitor to a partner company, so read the privacy terms on whatever page you land on before entering personal information.
To limit sharing under state privacy laws, Otto’s policy names residents of California, Colorado, Connecticut, Oregon, Texas, Utah and Virginia and gives privacyrights@ottoinsurance.com as the contact. For marketing emails, use the unsubscribe link or email requesttodelete@ottoinsurance.com.
Before You Request an Otto Quote
- Look up the license: Search “OTTO Quotes, LLC” with your state insurance department rather than trusting the brand name.
- Expect partner contact: Otto’s policy lets partners, not just Otto, contact you, including by automated or recorded calls.
- Ask who the insurer is: Any policy comes from an insurance company, not Otto. Confirm the insurer’s name and check it separately.
- Use phone numbers you look up yourself: Don’t rely on a callback number from a text or email you weren’t expecting.
The FTC warns that some lead-generation sites collect contact information and sell it to marketers, so it helps to know which kind of site you’re using before you type in personal details. For a fuller walk-through of these checks, see whether Policygenius is legit.
For another comparison site’s ownership and data practices, see whether Gabi Insurance is legit. Whatever site you use, keep the same coverage limits and deductible on every quote, and if you’re still shopping, you can also compare car insurance quotes that way.
Frequently Asked Questions
Is Otto an Insurance Company?
No. Otto says it connects you with insurance providers. The insurer you buy from issues the policy, sets the final price and pays covered claims.
Where Can I Complain About Otto?
Start with Otto using the contact details on its site. If that doesn’t resolve it, contact your state insurance department, which can tell you whether a company needs a license for what it does and can take a complaint.
Sources
- Otto Insurance: Home
- Otto Insurance: About
- Otto Insurance: Privacy Policy
- BBB: Otto Quotes, LLC Business Profile
- Texas Department of Insurance: Insurance Agencies and Businesses Approved to Manage Insurance-Related Products
- NAIC: Insurance Departments
- FTC: The Lead-Generation Bait-and-Switch
- BBB: Overview of BBB Ratings