Bruh it was quick as hell had insurance in less then 3 hrs and I'm saving like 80 bucks while haves the same exact coverage man come on mane say less
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I switched from USAA because their website was quite old school and I wasn't getting the best deal. For those unfamiliar. Ocho seems to be some service that finds you an insurer, but they aren't a... Toon meer
Bedrijf heeft geantwoord
Easy app use and great customer service. Being able to extend the time needed to make a payment and doing it all in the app. I think I called customer service maybe once in the time I've been covered... Toon meer
Bedrijf heeft geantwoord
I found out last minute that my insurance had been canceled due to non-payment and I was struggling to figure out how to get myself covered as soon as possible. Ocho allowed me the flexibility of a lo... Toon meer
Bedrijf heeft geantwoord
Bedrijfsgegevens
Geschreven door het bedrijf
Welcome to OCHO. We’re building a better way to get insured—one that works for real life. We help you find coverage through our marketplace, then make it easier to start and stay insured with flexible payment options through Ocho Pay. That means lower upfront costs, split payments, more time when you need it, and even a chance to build your credit along the way. We believe insurance shouldn’t set you back. It should help you move forward. OCHO is currently available in TX, AZ, IL, WA, MO, GA and NM. Insurance, built around you.
Contactgegevens
Verenigde Staten
- (800) 220-1416
- support@ocho.co
- ocho.co
4,5
Uitstekend
231 reviews
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Antwoord van OCHO
Quick, easy and affordable car insurance, that's the OCHO way! Thank you for taking the time to review us!
— The OCHO Team
Know what you are getting into!
I've used OCHO for insurance for a while, but when it came time to renew insurance this time I decided to look elsewhere due to the fact that I was 1. Paying a pretty penny for liability only insurance, 2. When I needed to drop a vehicle and add a vehicle you had to send over information on a Google Doc form that seemed to never get looked at which had me calling these folks weeks later to get it changed, 3. They don't give you your documents until after the policy renews, causing issues with being unable to work on certain platforms because the documents were not available in a timely manner, but the kicker to me is they renew policies using credit that I didn't authorize and when you try to cancel the policy a few hours in after you find out its renewed they want a fee. They also wanted me to pay a fee when I moved to change my address and that was before they checked the rates for the move. Yes, this insurance can be flexible but they will definitely charge you for it.
25 september 2026
Review zonder uitnodiging
Antwoord van OCHO
Hi Jennifer, thank you for the detailed feedback, and for being a customer for as long as you were. I'm Jaime, co-founder of OCHO. Our mission is to make insurance more affordable and fit real life, and several of your points show where we can do better.
Vehicle changes: You're right about the Google Doc form. It is a relic, we are moving off it, and we are working to speed up how fast we process changes.
Documents: Carriers don't send us renewal documents until the renewal is effective, so we can't pass them on sooner. I'm sorry that caused problems when you needed them for work.
Renewal: At renewal, we pay the required down payment to the carrier for you, so you keep the same payment schedule without paying anything up front. We take that risk so you don't have to, and the arrangement has 0% interest, $0 finance charges and $0 late fees. We also send notices by text and email ahead of renewal so customers can make changes or opt out. Because we have already paid the carrier, cancelling right after renewal can leave an amount owed (including the renewal broker fee for shopping your policy).
The $25 for your address change: Changes often raise the premium, and the carrier asks for a payment against the increase right away, which comes out of our bank account. The $25 is not a fee. We keep none of it; it is applied to premium you already owe and lowers your balance.
Price: we don't set rates, the carriers do. We show you options and use tools like PriceCheck to look for the lowest price, and I'm sorry liability-only still felt expensive. One thing I hope stays with you: because we are a lender (in addition to your broker), we reported all of your payments to the major credit bureaus, which can help build or improve your credit score.
If anything is still open on your account, please email support@ocho.co or call (800) 220-1416 and we'll take a closer look.
— Jaime, Co-Founder, OCHO
5 stars
Highly rated full coverage auto insurance online with low down payment
Priceless
25 september 2026
Antwoord van OCHO
Hi Jason, we're glad OCHO hit the mark for you. Thank you for taking the time to leave us a review, we appreciate you!
— The OCHO Team
Antwoord van OCHO
Hi Brianna, we're glad we got you affordable insurance! If you ever need anything, we're right here.
A company that you can trust that is there for you
I have never worked with any company that was willing to help me and understand my needs of being able to get insurance not only to my age but what insurance companies go by to qualify for somebody that's not able to afford it financially or past records due to their driving and they understood my needs and sent me in a program that I can afford and still be happy knowing that I'm protected Insurance wise and I can't thank them anymore.
16 september 2026
Antwoord van OCHO
Hi Sid, this means a lot to us. Finding car insurance that works for your situation, your budget and your history is exactly the problem OCHO is built to solve. We're really glad we could come through for you and that you're protected. Thank you for trusting us and for taking the time to share your experience!
— The OCHO Team
Antwoord van OCHO
You made Luis' day with this review! Really glad he made such a great impression. We'll make sure he gets the recognition he deserves. Thank you for taking the time to share your experience with OCHO!
— The OCHO Team
The ability to split payments was the…
The ability to split payments was the feature that benefited me the most!
18 september 2026
Antwoord van OCHO
Hi Briana, being able to split your car insurance payments to fit your schedule is exactly what sets OCHO apart. Really glad it made a difference for you. Thank you for taking the time to leave a review!
— The OCHO Team
Terrible experience
Terrible experience, wouldn't recommend!!! To much extra unnecessary money. There are so many more reasonable apps to utilize and save money. It's a rip off!!!
21 april 2026
Review zonder uitnodiging
Antwoord van OCHO
Hi Marquitta, I'm Jaime, co-founder of OCHO, and I'm sorry this felt like more than it should have. Our mission is to make insurance more affordable and fit real life, and I never want a customer to feel they paid more than they should.
We don't set insurance rates; carriers do. The quote you see at first often changes once the carrier runs your full driving and claims history. That is why we built PriceCheck: before you buy, it gets a second final quote from another top carrier, so you choose between two real prices. We also lower the cost of getting started, with down payments as low as $0 and payments matched to your paycheck, at 0% interest, $0 finance charges and $0 late fees.
There is one more benefit I want you to know about. Because we are a lender (in addition to your broker), your payment plan is a real loan, and we report all of your payments to the major credit bureaus. For the first time, paying for something basic like car insurance can help you build or improve your credit score, which matters most if it has been hard to find ways to build it.
I'd like to understand what you saw. Please call (800) 220-1416 or email support@ocho.co and we'll take a closer look.
— Jaime, Co-Founder, OCHO
Antwoord van OCHO
Really glad the experience got off to a great start, Jey! Friendly, helpful service is something we take seriously at OCHO. Thank you for taking the time to leave a review!
— The OCHO Team
Ocho is great for people that's looking…
Ocho is great for people that's looking for a affordable insurance without the hassle.And I love how they have the payment arrangement set up you can pick and choose when you want to make your payments.That's very important and a big factor to me would definitely recommend
10 september 2026
Antwoord van OCHO
This is exactly why we do what we do, Kenneth. Knowing that OCHO is making insurance feel less stressful and more manageable for real people means everything to us. Thank you so much for the recommendation and for taking the time to share your experience!
— The OCHO Team
I like amount very low good customer…
I like amount very low good customer service
8 september 2026
Review zonder uitnodiging
Easiest experience I’ve had with any…
Easiest experience I’ve had with any company definitely recommend!!!!!!
7 september 2026
Great service love everything overall
4 september 2026
I was looking for something easy to pay…
I was looking for something easy to pay for a insurance company and not have to pay all at once and then they supplied it very grateful for it
3 september 2026
Everything about ocho was great.
Everything about ocho was great.. i'm very happy with the experience that I have.And i'm glad that I found them
3 september 2026
Great full for still being wonderful people around
Was very easy very satisfying and works well with anyone's situation the Ocho workers understand that these days things are extremely hard and very ocer priced and they made it possible for me as a poor person to get insured thank you Ocho staff and owners greatly thankful and would recommend Ocho to anyone in a tight situation
3 september 2026
Love how easy an fast it was setting up…
Love how easy an fast it was setting up my auto insurance! How cheap the down payment was as well was a blessing !
3 september 2026
Antwoord van OCHO
Thank you so much for the great review! We're so happy we could get you a low down payment on your auto insurance.
quoted a price that I liked
quoted a price that I liked, signed the documents and what the heck happened but the price increased afterwards! To cancel was a pretty penny ripoff also ($174 within in 10 hrs) No grace period. Absolutely stole and lied to me about quoted price ($119 a monthly )After i signed the docs it went up($169 twice every month $338 total). What a Con ripoff. Horrible brand..Also a Waste of time doing all their steps. Absolutely Not recommended
3 september 2026
Antwoord van OCHO
Hi Douglas, we're sorry for the confusion around pricing. To clarify what happened: the initial quote you saw was a preliminary estimate, and the final price is confirmed at the point of signing your documents.
The amount displayed when you completed your purchase was the correct final price. So, no price changes, no resets.
On the cancellation balance, our broker fee is earned at the point of purchase and covers all the work done to get you insured, so it is non-refundable even on same day cancellations.
Please reach out at support@ocho.co or call (800) 220-1416 if you'd like us to walk through your account in detail.
— The OCHO Team
I had the policy less than 24hrs
I had the policy less than 24hrs. Paid 89 down. Found better policy. Was told I had to pay another 90.00 to cancel. Didn't expect to get the original amount back but to pay another 90.00 to cancel is insane. If I had it for maybe another week or so I could understand having to pay for longer coverage but I didn't even have it a full day yet.
30 augustus 2026
Antwoord van OCHO
Hi, we're sorry for the frustration. To explain: when you purchase a policy through OCHO, our broker fee is earned at the point of purchase and covers all the work done to get you insured, regardless of how long you keep the policy. The carrier also has its own cancellation fees that apply from day one. These terms are outlined in the declaration page you acknowledge before completing your purchase. We know that's disappointing to hear. Please reach out at support@ocho.co or call (800) 220-1416 if you have any further questions about your account.
— The OCHO Team
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