Free Car Body Repair Estimate Calculator

Upload a photo and get your repair estimate in 30 seconds.
Then get shop quotes, deductible help, or attorney referrals.

As featured on

📸 Upload a photo of your car damage → 🤖 Immediate AI repair estimate → 💵 Save money — get quotes, file a claim, or talk to a lawyer

25,000+customers served

$50,000+Dollars Saved

250+Partner shops

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

🧮 Should You File a Claim? Enter your details to see what makes financial sense

Estimated Repair Cost

Your Deductible

Were you at fault?

Monthly Premium (optional)

CA average is ~$180/month. Used to estimate your premium increase.

File Claim

3-yr total

Out of Pocket

one-time

File a Claim

3-year total cost

• Deductible: $500
• Likely premium increase: ~25%
• Monthly increase: +$45/mo
• 3-year premium cost: +$1,620

Pay Out of Pocket

One-time cost

• No premium increase
• Keeps record clean

Finance the Repair

~$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

Examples based on real Otto quotes (identifying details removed).

As Featured on CBS Los Angeles

Trusted by drivers across California

850+

App Downloads

14,000+

Web Users

150+

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

Step 1Home – start your quote

Step 2Take a photo of your damage

Step 3AI analyzes your damage

Step 4Choose your next step

Step 5See your damage analysis & estimate

Step 6Enter your info to get shop quotes

How Otto Works

📸

Snap a photo

Take or upload a photo of your car damage — dents, scratches, collision damage, or any auto body damage.

🤖

Get an instant calculator estimate

Our AI calculator analyzes your photo and delivers a free auto body repair estimate in seconds — no phone calls, no driving to body shops.

💵

Choose how to save money

Get quotes from local shops, get help waiving your deductible, or talk to an attorney if someone hit your car — all in one place.

Why Drivers Use Otto for Auto Body Repair Estimates

Getting an accurate auto body repair estimate used to mean driving to multiple body shops, waiting for inspections, and hoping you weren't being overcharged. Otto replaces that process with an AI-powered vehicle damage calculator. Upload a photo of your collision damage, and our car repair cost calculator gives you an instant price range based on thousands of real repair invoices from auto body shops across Southern California. Want to calculate your car damage repair costs before uploading? See what repairs typically run by damage type.

Whether you need a collision repair estimate after an accident, a quick body shop estimate on a fender dent, or a vehicle damage assessment before filing an insurance claim — Otto gives you the information you need in 30 seconds. Free auto body repair estimates, from your phone or computer, with no obligation.

Frequently Asked Questions

Everything you need to know about Otto

How does Otto's car damage calculator work? +

Otto's car damage calculator uses AI to analyze a photo of your car and return a free repair estimate in under 30 seconds. Upload a photo, enter your ZIP, and our calculator estimates your repair cost based on thousands of real shop invoices. From there, you can get shop quotes, deductible help, or attorney referrals.

What makes Otto different from other car repair estimate tools? +

Otto is the only consumer-facing AI estimate tool that isn't owned by a body shop. Most online estimators are run by a single shop trying to win your repair — we're independent, so our estimates aren't biased toward any one outcome. After you get your free estimate, you choose what to do next: get competing quotes from multiple local shops, connect with an attorney if someone hit you, or get help with your insurance deductible. One tool, multiple paths forward — based on what you actually need.

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. Otto's estimates are designed to give you similar information to what a body shop estimate would — without the trip.

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 auto body damage including dents, scratches, collision repair, and paint damage.

How much does a typical car body repair cost? +

Car body repair costs vary widely depending on damage type and severity. Minor scratches and dents typically run $150-$500, bumper repairs range from $300-$2,500, and major collision damage can exceed $5,000. Otto's calculator gives you a specific estimate range based on your damage photo, so you don't have to guess — and our 2026 collision repair costs guide has detailed breakdowns by damage type, vehicle, and region.

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.

Still have questions?

Explore Otto

🛡️ Insurance Collision Repair — Deductible Waived We connect you with vetted shops that waive your deductible, tow your car for free, help you file your claim, and use OEM parts with a lifetime warranty.

🧮 Vehicle Damage Calculator Upload a photo and get a free vehicle damage estimate in 30 seconds — powered by AI, no shop visit needed.

Download Otto!

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