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Allstate Insurance Agent
Kristi OttoLavale, MD

Office Hours

Day of the WeekHours
Mon8:00 AM - 5:00 PM
Tue8:00 AM - 5:00 PM
Wed8:00 AM - 5:00 PM
Thu8:00 AM - 5:00 PM
Fri8:00 AM - 5:00 PM
SatAvailable by appointment
After-hours appointments available.
Available 24/7 at

1236 National Hwy
Lavale, MD 21502


Located in the Harbor Freight Plaza. We're next to the Armed Forces Career Center.

Areas Served

Maryland, Lavale, Cumberland, Frostburg, Cresaptown, West Virginia, Ridgeley, Fort Ashby, Pennsylvania, Virginia

Additional Contact

Fax: (301) 761-3328
Kristi Otto: Allstate Insurance
You can view my financial industry experience and background at FINRA’s BrokerCheck

Local Allstate Agent: Meet Kristi Otto

I’ve proudly represented Allstate since 2009. The agent I used to work for helped me realize my greater purpose of becoming an agency owner. My dream came true in 2016 when I opened my agency in my hometown. I'm a lifelong resident of LaVale. I like the small-town friendliness and the ability to build real, lasting relationships with customers.

I also enjoy giving back to my hometown. I'm a Board member of the Allegany County Chamber of Commerce, on several committees within the Chamber, a member of the Western Maryland Jaycees and more. I donate a lot of my time volunteering and sponsoring other local organizations and events.

I love spending time with my dog Samson, and enjoy doing anything outdoors. LaVale is full of history and I enjoy visiting the many beautiful historic buildings and landmarks around town, including the Great Allegheny Passage.

It's rewarding to help people learn how to protect what they love most. Our team is unique because we include a great range of diverse professionals. We value face-to-face customer interaction as well as the convenience of technology. Whether you’re looking for business insurance or all-terrain vehicle insurance – or if you’d simply like to get a quote started – call us today. We look forward to meeting and working with you!

Products we offer:

  • Auto
  • Home
  • Condo
  • Renters
  • Motorcycle
  • Business
  • Life
  • ATV
  • Boat
Years in the
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Bachelor of Business Administration-Frostburg State University
Community Involvement
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Family Junction Superhero Challenge

Our team

Kelly Workman

Licensed Sales Professional
Kelly is a graduate of Frostburg State University with a Masters degree in Business Administration. Kelly has been with the agency since 2017 and is currently our lead sales agent. For personalized insurance quotes based on your actual needs, call Kelly!

Claudette Phillips


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Local events & news

Allstate AFCA Good Works Team®

I had the honor of presenting Ryan Landis of Frostburg State University with the 2019 Allstate AFCA Good Works Team® award for his commitment to giving back. Click the "Lean More" link below to check out the full team and vote for this year’s Allstate AFCA Good Works Team captain! To be considered for the Allstate AFCA Good Works Team, a football player must be actively involved with a charitable organization or service group while maintaining a strong academic standing.
Kristi Otto is insurance licensed in the state(s) of Maryland, Pennsylvania, Virginia, and West Virginia. If you do not reside in the state(s) of Maryland, Pennsylvania, Virginia, or West Virginia, please go to the Find an Agent section on to search for another Allstate Agent or Personal Financial Representative.

Based on coverages selected. Subject to terms, conditions, availability & qualifications.

This material is intended for educational purposes only. Auto and homeowners insurance, and other property and casualty insurance products, are available from Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company and Allstate Fire and Casualty Insurance Company (Home Offices: Northbrook, IL); Allstate New Jersey Insurance Company and Allstate New Jersey Property and Casualty Insurance Company (Home Offices: Bridgewater, NJ); and Allstate County Mutual Insurance Company and Allstate Texas Lloyd's (Home Offices: Irving, TX). Life insurance issued by Allstate Life Insurance Company: Northbrook, IL; and American Heritage Life Insurance Company: Jacksonville, FL. In New York, Allstate Life Insurance Company of New York: Hauppauge, NY. Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727.

Check the background of this firm on FINRA's BrokerCheck website.