Otto logo
2026 Cost Guide
As featured on
📸 Upload a photo of your car damage → 🤖 Immediate AI price estimate → 🚗💬 Shops send quotes — no calls or driving around
700+App users
10,000+Web users
100+Partner shops

Should You File a Claim or Pay Out-of-Pocket?

Most people don't realize that filing a claim — even when you're not at fault — can raise your premiums for 3 to 5 years. Plug in your numbers and see whether you should file a claim or use Otto to get quotes.

🧮 Should You File a Claim? Enter your details to see what makes financial sense
$
$
CA average is ~$180/month. Used to estimate your 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: ~25%
• Monthly increase: +$45/mo
• 3-year premium cost: +$1,620
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
Get Your Free Estimate From Otto →
Here’s the estimate you'll get instantly
Estimate: $1,200 – $1,600
Notes: Front bumper dented. Paint repair likely required.
💡 Tip: Many shops offer $0-down or monthly payment options.
Then you'll receive quotes from real shops
Sample body shop estimate 1 Sample body shop estimate 2 Sample body shop estimate 3
Examples based on real Otto quotes (identifying details removed).

As Featured on CBS Los Angeles

Trusted by drivers across California

700+
App Downloads
6,500+
Web Users
100+
Shops

"Saved me from driving to 5 different shops. Got multiple estimates in one place and finally knew I was paying a fair price."

— Sarah M., Downey

"Comparing quotes side-by-side made me confident I was getting a good deal and wasn't overpaying."

— James T., Northridge

"Instead of spending my Saturday driving around, I got 3 quotes while sitting on my couch. And on top of that, I saved money."

— Maria R., Silver Lake

🔒 Free & no commitment
⚡ Instant AI estimate
🏆 Only trusted, verified shops
🚗 No hassle — no calls or driving around

Prefer Your Phone? Here's How Otto Works on the App

How Otto Works

📸

Snap a photo

Take or upload a photo of your car damage.

🤖

Get an instant AI estimate

Our AI analyzes your damage photo and gives you a preliminary repair estimate in seconds.

🏪

Receive quotes from nearby shops

Get multiple verified repair quotes and choose the best option for your needs — all from one place.

Frequently Asked Questions

Everything you need to know about Otto

How accurate are Otto's AI estimates? +
Our AI model achieves 85% accuracy compared to final shop quotes. The estimates are based on analysis of thousands of similar repairs and current market rates in your area. Final quotes may vary based on your specific vehicle, exact damage extent, and shop-specific pricing.
How quickly will I receive quotes from shops? +
You'll receive 3 verified quotes from trusted local shops within 1-2 business days. During busy periods, it may take up to 48 hours. We'll text and email you as soon as your quotes are ready.
Is Otto really free to use? +
Yes! Otto is completely free for vehicle owners. We're compensated by the repair shops in our network when you choose to get your repairs done through them. There are no hidden fees or obligations.
What types of damage can Otto estimate? +
Otto can provide estimates for body damage (dents, scratches, collision repair), windshield repair or replacement, paint damage and touch-ups, and bumper repairs.
Do I have to use one of Otto's recommended shops? +
No, there's no obligation to use any of our partner shops. The quotes we provide are to help you make a more informed decision. You're free to take these estimates to any shop of your choice or use them for insurance claims.
How do I know the shops are trustworthy? +
All shops in our network are verified and must maintain valid business licenses and insurance, minimum 4.5-star customer ratings on Google, fair and transparent pricing, and quality guarantees on their work. We continuously monitor shop performance and customer feedback.
What if the damage is too complex for a photo estimate? +
For complex damage involving mechanical issues, frame damage, or multiple panels, our AI will note that an in-person inspection is recommended. We'll still connect you with shops, but they'll need to see your vehicle to provide accurate quotes.
Is my information secure? +
Yes, we take your privacy seriously. Your photos and personal information are encrypted and securely stored. We will only share your contact details with the shops if you provide written consent. We never sell your data to third parties.

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