📍 Otto is coming to your area soon!
Otto’s full service — real competing quotes from verified shops based on your damage photo — is coming to your area. In the meantime, here are 3 top-rated shops near you based on Google reviews. Give them a call and mention Otto sent you!
You'll receive 3 quotes from nearby shops within 1 business day.
Our AI model has been trained for 9 months on thousands of car damage photos to provide accurate initial estimates.
Estimates are based on average market rates from verified local shops in your area.
While AI provides a quick estimate, final quotes from shops may vary based on your specific vehicle, exact damage, and location.
Our AI is continuously improving and achieves 85% accuracy compared to final shop quotes.
See what makes sense for your situation
CA average is ~$180/month. Used to estimate premium increase.
File Claim
$0
3-yr total
Out of Pocket
$0
one-time
File a Claim
$0
3-year total cost
• Deductible: $500
• Likely premium increase: ~30%
• Monthly increase: +$54/mo
• 3-year premium cost:
Pay Out of Pocket
$0
One-time cost
• No premium increase
• Keeps record clean
Finance the Repair
$0
~$0/mo for 12 months
• $0 down options available
• Many shops offer 0% APR