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
234 reviews
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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
I was looking for reasonable prices the…
I was looking for reasonable prices the quote came up that could afford and really liked it that I could pay biweekly set it up on my pay days. Thank you Ocho
1 september 2026
The $149 'broker fee' is crap…
The $149 'broker fee' is crap considering i never talked to anyone, did all the input myself, and the process is fully automated but whatever i guess you guys have to make money too... Insurance doesn't seem to be cheaper than anyone else
31 augustus 2026
Antwoord van OCHO
Hi, we hear you and it's a fair question. The broker fee covers everything OCHO does on your behalf to get you insured. We search through all available options to find you the best price, use our proprietary PriceCheck AI tool to make sure you're not overpaying, collect all the information carriers need like vehicle photos and license copies, deliver your final quote in minutes, and handle any changes or reinstatements along the way. That's a lot of work that a traditional insurance broker would charge far more for.
On top of that, as an OCHO customer you also get access to benefits like low down payments, flexible payment schedules, more time to pay when you need it, and credit building with every on-time payment. Benefits you won't find bundled together anywhere else.
We hope that context helps and thanks for giving OCHO a try regardless!
— The OCHO Team
With the high cost of auto insurance…
With the high cost of auto insurance it's such a blessing being able to pay the payments out and not have a huge payment.
1 april 2026
Antwoord van OCHO
Thank you so much for taking the time to review us, Renella. We're so glad we could help you get affordable car insurance!
I love the fact that I was given a…
I love the fact that I was given a great policy. Thank you
31 augustus 2026
Antwoord van OCHO
Thank you for being a great customer, Jorge! We really appreciate the review.
My down payment was still higher than I…
My down payment was still higher than I expected, but overall they are a legitimate company and if your credit is good, you may can get the zero down😊!
25 augustus 2026
Antwoord van OCHO
Thanks for the honest feedback and for the kind words! You're right that down payment amounts vary based on individual factors like credit history. We're really glad you had a good overall experience with us! If you ever need anything, just reach out!
— The OCHO Team
Antwoord van OCHO
Fast, easy, reliable car insurance at a great price. Thanks for choosing OCHO!
— The OCHO Team
Simple, Easy, Affordable
Ocho really does provide me with the cheapest and quickest insurance rates. It gives me plenty of time to pay my way and is super easy to work with. It builds credit every time you make a payment. Its like insurance for dummies , it's that easy to use and understand. I've forgotten a payment before and they worked with me on fixing the issue without crazy penalties based on my good payment history. If you're a good customer , they're good to you.
27 augustus 2026
Antwoord van OCHO
This really says it all! Affordable car insurance, flexible payments, credit building with every payment, and a team that works with you when life gets in the way. Thank you so much for being an awesome customer and for taking the time to share your experience. We appreciate you, Brooke!
— The OCHO Team
Great everything!
great everything! smooth and easy process so will be renewing. monthly and down payment were afforadable.
26 augustus 2026
Antwoord van OCHO
Whooo! Thank you so much for taking the time to give us such a great review! Affordable down payment, manageable monthly payments, and a smooth process, glad it all came together! Looking forward to having you renew. Thanks for choosing OCHO!
— The OCHO Team
The process was easy and it didn’t take…
The process was easy and it didn’t take much time to get the policy that I needed expeditiously. Thank you for this opportunity and blessing.
23 augustus 2026
Antwoord van OCHO
Thank you so much for this review, Derrick, it means a lot to us! Getting the car insurance coverage you need quickly and without the hassle is exactly what we set out to do. We're so glad OCHO could come through for you!
— The OCHO Team
Honestly I was weary about it first
Honestly I was weary about it first, but it is legit and easy. Been needing insurance for a while and couldn't because of the down payment l, but honestly this made it easy and quick. I got insurance with a small down payment and I can split the payment into 2 times a month and still comes out cheaper than the other insurance I was saving for.
20 augustus 2026
Antwoord van OCHO
We're so happy you gave us a shot! A high upfront deposit shouldn't be the reason someone goes without car insurance, and that's exactly the problem OCHO is here to solve. Small down payment, payments that fit your schedule, and a price that works, that's the goal every time. Thanks for sharing your experience, Ashley!
— The OCHO Team
Ease of applying
Ease of applying, small difficulty with photos, may be my fault, new phone
20 augustus 2026
Antwoord van OCHO
Glad the application process was easy overall! Sorry to hear the photo step gave you a little trouble, it can sometimes vary by device. If you run into anything else, our team is happy to help at support@ocho.co or (800) 220-1416.
— The OCHO Team
Antwoord van OCHO
Great price, easy navigation, and payments that work for you. That's the OCHO experience! Thanks for the review!
— The OCHO Team
Fast easy and quick
Fast easy and quick. Needed coverage for a new car purchase and I got it at a very good rate. Thanks!
21 augustus 2026
Antwoord van OCHO
Fast, easy coverage at a great rate for your new car, congrats on the new purchase and thanks for choosing OCHO!
— The OCHO Team
Do not use them unless you are desperate
I am extremely disappointed with my experience and would leave zero stars if possible. I have been misled on three separate occasions regarding basic timelines. For example, I was repeatedly told that adding a vehicle to my policy would take 24 hours; it has now been 36 days, and the vehicle still has not been added. Additionally, they charge a $25 fee to make account changes, but then fail to actually process the changes you paid for. On top of this, they unexpectedly push you into a third-party loan to cover the insurance, which I definitely did not want. I strongly advise avoiding this company at all costs. I will absolutely not be renewing my contract when it expires.
29 mei 2026
Antwoord van OCHO
We're really sorry for this experience. Thirty six days to add a vehicle is completely unacceptable and we understand your frustration. We have been working through a technical issue with one of our carriers that has caused delays in processing policy changes, and we sincerely apologize that this has affected you. On the $25 charge, this is not an additional fee but an advance on your existing policy balance. Regarding the loan, OCHO is a premium finance lender and this is clearly outlined in the declaration page that every customer scrolls through and acknowledges before completing their purchase. We would very much like to resolve the vehicle addition for you. Please call us at (800) 220-1416 and we will make this a priority.
— The OCHO Team
Antwoord van OCHO
We're really glad to hear it, Shonette. Good customer service is something we take seriously. Thanks for choosing OCHO, and thanks for taking the time to review us!
— The OCHO Team
Antwoord van OCHO
Whooo!!! That's what we love to hear Linda! Easy and fast car insurance. Thank you for taking the time to review us.
Antwoord van OCHO
Thank you so much for taking the time to leave a review for us! We really appreciate it.
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