Automobile insurance is very expensive and due to unforeseen circumstances mine was outrageously high! Ocho linked me with an affordable agency for full coverage insurance. Down payment less than $100... See more
Company replied
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Amazing insurance! They helped get my down payment down by $150. Most companies charged me $300. Very easy to sign up and very affordable.
Ocho is there to help people who are kind of down & out. And while I am no longer in dire straights, I continue to use them because they offer a reasonable product for a reasonable price. Sure, I coul... See more
Company replied
I had been looking for affordable insurance for over a year and kept getting outrageous prices until I found OCHO! Now I have peace mind and have full coverage on my car at way more reasonable rate!!!... See more
Company replied
Company details
Written by the company
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.
Contact info
United States
- (800) 220-1416
- support@ocho.co
- ocho.co
4.6
Excellent
79 reviews
Replied to 100% of negative reviews
Typically replies within 48 hours
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WOW!
Amazing insurance! They helped get my down payment down by $150. Most companies charged me $300. Very easy to sign up and very affordable.
April 17, 2026
Ocho was very trust worthy and came thorough on giving me the best option .
Quick and easy , coming with low prices than I could find with different options .
April 16, 2026
The service is fast and easy
The service is fast and easy. The monthly payments are just right for my budget.
April 15, 2026
Easy process to setup and great rates!
April 10, 2026
Reply from OCHO
Thank you for taking the time to review us, it means a lot!
I was told I’d get a better rate
I was told I’d get a better rate, but after waiting almost 1.5 hours, the quote was much higher than expected. I have a clean MVR and no lapse in coverage, so the pricing made no sense. The biweekly payment they offered is essentially a full month’s premium. Not a good experience. And the car is a 4 cylinder yet I'm paying almost $400 per month RIDICULOUS. AS SOON AS I CAN I'M CANCELLING
April 10, 2026
Reply from OCHO
Thank you for taking the time to share your feedback, and I'm sorry to hear about your experience. I understand your frustration with the quote and pricing.
I want to clarify that as a broker, we don't set insurance rates or pricing. Those are determined by the insurance carriers themselves based on their underwriting criteria, which can include factors beyond MVR history (such as age, location, vehicle type, coverage limits, claims history, and more). While we shop multiple carriers to find competitive options, we can't control their individual pricing.
That said, we'd like to help. A few suggestions:
1. Get a second opinion: We'd be happy to re-shop your coverage with different carriers to see if better rates are available.
2. Explore your coverage: Sometimes adjusting coverage limits or deductibles can impact premiums.
3. Ask about discounts: Ensure you're getting all available discounts (safe driver, bundling, etc.).
If you'd like to discuss this further or explore other options, please reach out to us directly. We're here to help you find the best value possible.
We appreciate your patience and would welcome the chance to make this right.
Ocho-case management! Thanks
Automobile insurance is very expensive and due to unforeseen circumstances mine was outrageously high! Ocho linked me with an affordable agency for full coverage insurance. Down payment less than $100, and every 2 weeks payments less than $200 twice a month.Ocho advocated for me as well. Ocho gives a loan and I am responsible for the policy regardless, thank you.
April 12, 2026
Reply from OCHO
Thank you so much for this wonderful review! We're thrilled we could help you find affordable coverage and make the process smooth with a manageable down payment and flexible payment options.
Advocating for our customers is what we do best, we're here to shop around, find the right fit, and make sure you get the best value possible. We truly appreciate your understanding of how our lending program works, and we're grateful for your responsibility in managing your policy.
If your situation ever changes or you need to adjust your coverage in the future, please don't hesitate to reach out. We're always here to help!
Thank you for choosing us, and we're so glad we could make a difference.
Brutal business is insurance
Brutal business is insurance. OCHO was a pleasant experience!
April 9, 2026
Love the payment plan options
Love the payment plan options, very lenient, thank you OCHO
August 1, 2025
Smooth Process, Better Than Expected
Ocho was a convenient option that saved me time and removed stress. The app allows me to align my payments with payday. I am a first-time user and I’m happy with the process so far.
April 3, 2026
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