Otter Insurance Reviews

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Quick Facts

  • Otter Insurance is one of the oldest agencies in the state of Washington.
  • Although it first opened its doors long before the internet age, it has embraced technology at every turn.
  • Today, the company has one of the most user-friendly websites around which is frequently updated to best serve its customers.
Otter Insurance

Otter Insurance Overview

Founded in 1959, Otter Insurance is a privately held and owned insurer. For more than 50 years, they have proudly served the Lynnwood community in Washington state, as well as the surrounding area.

From day one, the company’s mission has been simple. They want to make it easier for customers to protect what matters most to them. To do this, Otter is committed to helping them find the right auto insurance coverage at an affordable price. They know that excellent customer service is crucial for a good experience. This is why Otter agents always sit down with clients to look at their specific needs.

Otter’s insurance specialists have partnered with some of the top-rated insurance companies in the United States to ensure clients get the best coverage at the lowest possible price. Regardless of what type of car insurance customers need, Otter will get them coverage at a rate that many regional competitors can’t match.

Other Auto Insurance Coverage

Otter offers many types of auto insurance coverage, including:

  • Comprehensive insurance
  • Collision insurance
  • State minimum liability coverage
  • Uninsured or Underinsured motorists protection
  • SR-22 insurance
  • Gap insurance

Otter can also insure:

  • Motorcycles and ATVs
  • Marine vessels and other types of watercraft
  • Recreational vehicles (RVs)
  • Classic cars, through a partnership with Hagerty
  • Commercial and business vehicles


Otter Homeowners Coverage

At Otter, they understand that your home is often your most important asset. That’s why finding the best home insurance coverage at the cheapest rates is the insurer’s top priority. The insurer can match most competitors’ rates while offering multiple plans for dwelling coverage.

Common dwelling structures that are covered include:

  • Single-family homes
  • Townhomes
  • Condominiums
  • Manufactured homes
  • Rental properties, offering coverage for both the landlord and the renter

Otter’s insurance brokers will take the time to sit down with you and go over your property insurance options while looking for the coverage you need. This may include flood insurance for extra protection or umbrella policies for added security.

Qualified customers may have monthly home insurance premiums as low as $79 a month. Otter also offers bundled home and auto insurance, saving qualified clients up to 10%.

To get a free homeowners quote, fill out our free online application. The process takes less than 10 minutes and matches you with the lowest possible rates.

Otter Insurance Discounts

In addition to discounts for bundling your policies, Otter offers many more discounts to ensure clients pay the lowest price possible. The discounts can be used together and may include:

  • Safe driver
  • Low mileage
  • Good Student discount (Must have a minimum 3.5 GPA)
  • Military and Veteran
  • Multi-vehicle discounts

Otter Insurance Reviews

Otter is a mid-sized agency with mostly positive local reviews on Yelp and other review sites. In addition, the company is in good standing with the Better Business Bureau (BBB) and has no complaints on consumer advocacy websites, such as Rip Off Report. Overall, Otter has an above-average rating of 4.7.

Over the past 50 years, Otter has worked hard to earn clients’ trust. To maintain this level of confidence, they keep the highest moral standards with every client.

The Otter Insurance Website

Otter’s website was designed to include many helpful features and be user-friendly. At, you can get free online quotes for all the insurance products the company offers. The form is easy to complete, taking around 5 minutes for car insurance and 10 minutes for a homeowners insurance quote.

You can also file an online claim and make any needed changes to your policy on the website. In addition, the site includes an informative blog and a customer service chat box that immediately pops up to assist visitors.

Otter Insurance Providers

Otter has worked diligently to develop long-standing relationships with the country’s top insurers, including:

  • Allstate
  • Esurance
  • Liberty Mutual
  • Nationwide
  • State Farm
  • Farmers

When you are in need of auto or homeowners insurance, the agents at Otter will go over your specific needs to find the best type of coverage options for you. Then, they will search for the lowest rates. Otter saves most clients around 20%. To get your free online quote, enter your zip code.


Community Achievements

Otter Insurance has always been committed to serving the local Washington community. Currently, the company is a member of several prestigious groups, including:

  • Trusted Choice
  • IIABW member
  • Lynwood Chamber of Commerce member for many years

Contact Information

Phone Number: 425-771-8900

Fax: 425-672-2712

Address: 20102 Cedar Valley Road, Suite 101

Lynwood, WA 98036

Operating Hours

Monday to Thursday 8:00 am to 5:00 pm

Friday 8:00 am to 4 pm

Closed daily for lunch between 12:00 pm and 1:00 pm

Final Thoughts

Otter Insurance is one of the oldest and most established insurance companies in Washington state. Over the years, they have developed an outstanding reputation for providing high-quality insurance at an affordable price to all local residents. Although it started small, the company has expanded its lines to include everything from home and business insurance to RV and watercraft.

If you are a Washington resident in need of a full-service insurance agency offering unbiased insurance advice and affordable rates, give Otter Insurance a call today.