Caroline
This was a very quick and easy…
This was a very quick and easy experience. Ocho came through when I needed coverage ASAP with a low down payment.

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.
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Caroline
This was a very quick and easy experience. Ocho came through when I needed coverage ASAP with a low down payment.
Dremion
Ocho was there when I need insurance at a critical time
Response from OCHOOct 14, 2026
Knowing we could be there when it really mattered means everything to us. That’s exactly why OCHO exists. Thank you for trusting us and for taking the time to share your experience! — The OCHO Team
customer
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
Response from OCHOSep 1, 2026
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
customer
Ease of applying, small difficulty with photos, may be my fault, new phone
Response from OCHOAug 29, 2026
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 [email protected] or (800) 220-1416. — The OCHO Team
customer
It's reasonable
Response from OCHOAug 12, 2026
We're glad we could help you out, Marion! Thank you for taking the time to review us.
Lisa L.
It's a great thing that some companies do what yall do i waited awhile to finish the final process but I can say they were on there p,s&q,s and a fast response on all there documents great place
Response from OCHOAug 12, 2026
Really appreciate the kind words, Lisa! We know the final steps can sometimes take a little longer, but we're glad our team stayed on top of it and got everything to you quickly. Thanks for choosing OCHO! — The OCHO Team
Katherine S.
Was quick and easy although the wait time for documents was definitely longer then an hour.
Response from OCHOJul 21, 2026
Glad the process itself was quick and easy! We hear you on the documents, turnaround times can vary depending on the carrier and we know that's not ideal. Thanks for the feedback and for choosing OCHO!
RWG J.
I like that you are cheaper than I have been able to find and that you are working with me on an extention. That's nice to have when in financially or legal situations that made one need to back pedal in life and start over from scratch. Thank you OCHO.
Response from OCHOJun 30, 2026
Thank you for sharing that, it means a lot. We know life doesn't always go to plan, and having affordable car insurance with a little flexibility when you need it most is exactly what OCHO is here for. Wishing you all the best as you move forward. We've got your back.