Otter Insurance Agency – Review [2024]

Otter Insurance has been around since the 1960s and is one of the oldest agencies in the state of Washington. Even though Otter Insurance was around before the internet age, the agency has embraced technology. It boasts one of the best agency websites, which is frequently updated to serve its clients better.

Otter Insurance Overview

Otter Insurance Agency is a privately held and owned insurance agency serving the Lynnwood, Washington community. Otter Insurance has been operating in the Washington area for over 50 years, since its founding in 1969. 

Otter’s mission is to make it easier for customers to find affordable auto insurance coverage and protect the things that matter most. Company agents sit with each client and go over their specific needs. This is one of the main benefits of the large agency, good old-fashioned one-on-one customer service. 

Otter insurance experts have partnerships with some of the best top-rated insurers in the U.S. and pass those savings onto their clients. No matter the type of auto insurance a client needs, otter can get them covered at rates many local competitors can’t match. 

Otter Auto Insurance Coverage 

Otter offers just about any type of automobile coverage, including: 

• State Minimum Liability coverage
• Collision Insurance
• Comprehensive Insurance
• SR-22 Insurance
• Gap Insurance
• Non-Insured or Under-Insured Motorists protection

The agency can also insure:  

• Motorcycle Insurance
• Marine and Watercraft
• Recreational Vehicle or RV Coverage
• Classic Car Insurance through a partnership with Hagerty
• ATV Insurance
• Commerical  
• Business

Otter Auto Insurance Discounts 

One of the best ways to lower insurance premiums is to take advantage of discounts. Most people can qualify for one or more discounts. Here are several discounts Otter Insurance offers.  

• Safe Driver 
• Low Mileage
• Bundled Automobile and Homeowners Coverage
• Good Student Discount (Must have a minimum 3.5 GPA) 
• Military and Veteran
• Multi-Vehicle Discounts

To see what discounts you qualify for, talk to an Otter Insurance Agent over the phone or complete an online quote request.  

Otter Homeowners Insurance Coverage

Otter insurance knows how important a person’s home is. That’s why getting the best insurance coverage at the lowest rates is their primary objective. The agency provides a wide range of options for dwelling coverage and can match most competitors’ rates.  

Otter also offers bundled home and auto insurance which can save qualified clients up to 10%. Common dwelling structures covered include:  

• Homeowners 
• Condominium
• Manufactured Home Coverage
• Renters
• Landlord
• Flood Insurance for added protection
• Umbrella policies for added security 

Otter Insurance agents will sit down with you individually and go over your home insurance options, including the best limits and coverage types.

Otter works with leading home insurers nationally and regionally and has some of the best homeowners rates of any agency in the region.

Homeowner’s premiums can be as low as $79 a month for qualified customers. To get a free homeowners quote, fill out a free online application. The process takes less than 10 minutes, and you will be matched with the lowest rates. 

Otter Insurance Reviews

This is a mid-sized agency with generally positive reviews locally on Yelp and other review sites. Overall, Otter Insurance has a review ranking of 4.7 stars, which is above average. 

Otter has earned the trust of its customers in the Washington region for over 50 years. They maintain that trust by keeping the highest moral standards with each customer. The agency has no complaints on consumer advocacy sites like Rip Off Report and is in good standing with the Better Business Bureau or BBB.  

Otter’s Trusted Partners

Otter works with some of the country’s top insurers. They have longstanding relationships with key providers, including:

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

Otter only works with carriers with the best reputations. Agents will go over your insurance needs, including the best type of coverage options, then search for the lowest rates. Get a free quote request online by entering your zip code. Otter can save most customers over 20%.  

Community Achievements

Otter has a longstanding commitment to serving the local Washington community. They are members of several prestigious groups:

• Trusted Choice
• Member of the IIABW
• Member of the Lynwood Chamber of Commerce for many years 

Otter Insurance Website 

Otter has a very easy-to-use website with many helpful features. At OtterIns.com, you can get quotes online for all the company’s insurance products. The quote form is easy to fill out and only takes about five minutes for auto insurance and around ten minutes for a homeowner’s quote.   

You can also report a claim online and make any needed changes to your policy. The site also has an informative blog and a customer service chat box that pops up to assist visitors immediately. 

Contact Information

Address: 20102 Cedar Valley Road, Suite 101, Lynwood, WA 98036

Phone: 425-771-8900

Fax: 425-672-2712

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

Conclusion

Otter Insurance is one of the oldest agencies in Washington state and has an excellent reputation for providing quality insurance at affordable prices to local residents. Over the years, the agency has expanded its lines to include home insurance, business, watercraft, and more. For Washington residents looking for a full-service agency that can offer unbiased insurance advice along with affordable rates, give Otter Insurance a call.