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.
OCHO (ocho.co) has 239 customer reviews on Five Star Index, with an average rating of 4.6 out of 5.
Also known as
ocho.co
Website
ocho.co
Category
Insurance
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 84% of reviews.
Latest
Most recent review: October 2026.
Edits
Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score
This company cannot pay to remove reviews or change its score.
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 low down payment, to split my monthly payment according to my pay schedule, and get coverage the same day!
Response from OCHOOct 6, 2026
That's exactly what OCHO is built for. When you need coverage fast and a big upfront deposit isn't an option, we've got you. Low down payment, payments on your schedule, and same-day car insurance coverage. Really glad we could come through when you needed it most!
— The OCHO Team
CU
customer
In today's economy…
In today's economy where everything is marked up 300% Ocho had my back with supplying me with affordable coverage at an extremely low rate and a good down payment, thank you Ocho for having my back!!
Response from OCHOOct 6, 2026
In an economy where everything costs more, affordable car insurance with a low down payment makes a real difference. Really glad OCHO could have your back. Thank you for trusting us, and thank you for taking the time to review us!
— The OCHO Team
SW
S. W.
My payment dates read one thing but…
I just got this on 9/27.. today (9/30) I received a reminder that a payment is due on 10/2… How? It’s only been 5 days!! Not to mention the payment dates displayed in my signed documents did not list a payment due on this date! The next payment is supposed to be in 2 weeks & every 2 weeks thereafter! This is wayyy too soon & not fair! For the amount of money being requested for these two back to back payments I could have went with a much better big name company and paid less! It’s hasn’t even 1 week! I just paid this company!!! I feel bamboozed, and tricked into buying this insurance! I was under the impression of one thing when it’s really not that..it’s giving false information and advertisement!!! It makes it seem as initially you’re saving money only to come back & request more due in a time span of less than a week. This scheme is just a way to get customers believing a false narrative to gain their business. I want my money back!! I’m not happy with this! Isn’t the reason for providing the payment due date schedule for transparency? So please do not be fooled.. this should be illegal!
Response from OCHOOct 6, 2026
Hi Shutonna, I'm Jaime, co-founder of OCHO, and I'm sorry this has felt confusing and unfair. Our mission is to make insurance more affordable and fit real life, so I'd like to explain what happened.
When you buy, we ask when you get paid and how often, then build a payment schedule around your paychecks. Sometimes your next paycheck falls just days after you buy, so the first installment comes soon after your down payment. We know that can feel close. The reason is that from the day your policy starts, we pay your insurance company on your behalf without knowing yet whether your payments will arrive. Every payment date is in the calendar in your agreement, and we should make that calendar easier to find.
Your payments carry 0% interest, $0 finance charges and $0 late fees. And because we are a lender (in addition to your broker), we report all of your payments to the major credit bureaus, so paying on time can help you build or improve your credit score while you pay for insurance. We also don't set insurance rates; the carrier does. We show you options and do our best to find the lowest price.
Our team moved your first installment when you called on Oct 3 so you'd have more room between payments. We're also looking at letting customers choose a larger down payment with a later first installment. If there is anything else we can look at, please call (800) 220-1416 or email [email protected]. We're open every day, 5 AM to 10 PM Pacific.
— Jaime, Co-Founder, OCHO
CU
customer
Process is very easy and affordable!
Process is very easy and affordable!
Response from OCHOOct 6, 2026
Easy and affordable car insurance. That's what we're here for. Thank you for taking the time to review us and for choosing OCHO!
— The OCHO Team
CJ
Crystal J.
I this app for my insurance every month…
I this app for my insurance every month it’s a great app with affordable insurance rate
Response from OCHOOct 6, 2026
Really glad OCHO is working for you every month, Crystal! Thank you for taking the time to review us!
— The OCHO Team
CU
customer
Great service
Great service
Response from OCHOOct 6, 2026
We're so happy you received great service, thank you for taking the time to review us :)
AO
Afred O.
My whole experience was great
My whole experience was great. Sign up was ast,convenient, & simple. I had my policy signed and active, all in 40 min.
Response from OCHOOct 6, 2026
Afred, that makes us so happy to hear! Fast and affordable, that's our aim. Thank you for taking the time to review us.
CU
customer
Quick easy and cheap I swear
Quick easy and cheap I swear
Response from OCHOOct 6, 2026
Quick, easy and affordable car insurance, that's the OCHO way! Thank you for taking the time to review us!
— The OCHO Team
