OCHOWelcome 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.
OCHO (ocho.co) has 239 customer reviews on Five Star Index, with an average rating of 4.6 out of 5.
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Vinchea B.
Slow to process changes.
Response from OCHOApr 1, 2026
We’re sorry to hear this, that’s not the experience we aim to provide. In many cases, changes depend on processing times from the insurance carrier, but we always move as quickly as possible on our side and keep things moving. If you’re open to it, please reach out to us so we can take a closer look at your request and help get things resolved.
Maeghan P.
Worst company! I was ripped off several times! I kept paying for there mess up and I only got 2 free weeks when k waited 1 month before my insurance too place in my new car -and still over charged me
Response from OCHOMar 24, 2026
We’re sorry you didn’t have a smooth experience with us. After reviewing your account, the timeline shows that your initial request to add a new car was submitted with incomplete information, which delayed us being able to process the change. As soon as the full details were received, we sent your updated payment schedule the same day. Documents we send do need to be signed within a set timeframe, otherwise they expire. This meant we had to resend them when they were not signed in time. You also requested to add a vehicle to your policy, which increased the overall cost. We processed this request, but the updated agreement was not signed at that time. There was also a payment made in error, which we escalated and resolved. You later contacted us again to remove the additional vehicle from the policy. As an agency, we act as the bridge between you and the insurance carrier, and we process requests as quickly as possible once we have the required information. We understand this was frustrating and not the experience you were expecting. If you’d like, we’re happy to go through everything with you step by step to ensure all charges are clear.
LF
You gave me a price breakdown then changed the amounts after I signed up and paid the down payment. This is not good and I will be looking for a different company. Trust and integrity matter!
Response from OCHOMar 10, 2026
We’re sorry to hear this has been your experience, we understand how frustrating it can feel when amounts don’t look the way you expected. Trust absolutely matters. After reviewing your account, it looks like the balance change was related to a policy cancellation and reinstatement. When a policy is cancelled and later reinstated, carriers often apply fees which can affect the reinstatement amount due. In short, your original insurance premium did not change, however, additional fees were added due to the cancellation and the remaining balance being rolled over at reinstatement. That said, we never want anything to feel unclear. Transparency is important to us, and we’re happy to walk through the breakdown with you step by step to make sure everything makes sense. Please reach out to us directly, and we’ll review it together. We’re here to help.
