OCHO Affordable Car Insurance

ocho

About this app

“Totally legit and you don’t have to put any money down and they give your proof of insurance the same day.” Gloria K., Springfield, IL 

Lower or even zero down payment car insurance is real—and it’s only available at OCHO! Plus, we offer flexible, affordable payment plans that fit your budget. Get the coverage you need without the stress!

WE PAY IT NOW, YOU PAY US LATER.

HOW DOES OCHO WORK?
We help pay for your car insurance down payment interest-free.
Flexible payment plans make managing your insurance smooth and easy.
We even give you more days to payso you stay insured.

WHY BUY YOUR INSURANCE WITH OCHO?
“OCHO is such a blessing to me and makes it so easy to get and afford insurance. I am so glad that I found this company and know that they care about their customers.” - Michael W., Canton, IL

We offer coverage that gives you breathing room:
• A lower down payment - some even get $0 down!
• Spread the cost of your insurance with split payments. Pay us when you get paid.
• Extra time to pay. No late fees.
• Instant proof of insurance.
• Build your credit score with each payment.*

WE CURRENTLY OPERATE IN
Arizona, Texas, Illinois, Georgia, Missouri, New Mexico, Washington State, Wisconsin. 

ABOUT US
Launched in 2021, OCHO’s mission is to revolutionize car insurance for hardworking people across the USA. Built by immigrants to help you beat the system, we offer more than just coverage — our policies are a pathway to financial resilience, giving you the breathing room you deserve.

When you choose OCHO, you’re not just buying insurance; you’re joining a movement toward a fairer future. Together, we can drive change, one policy at a time. Car insurance should be affordable for everyone. 

APP FEATURES YOU’LL LOVE
• Find and compare auto insurance in minutes with our easy to use platform.
• Get your credit score for free.
• Select payments dates that fit in with your pay day. 
• Download your policy documents instantly.
• Request a payment extension if you need more days to pay. 
• Manage your payments and policy from your dashboard.


CURRENT INSURANCE COMPANIES WE WORK WITH:
Progressive, Dairyland, Gainsco, National General, First Acceptance, Founders, Falcon, Aspire, Kemper Auto, Embark, Infinity, The General, Excepsure, Assurance America, Bridger, Bristol West, Unique Insurance Company. 


Looking for an app like Hugo Insurance? At OCHO, we do things differently. Hugo insurance offers pay-as-you-go insurance, which can leave you with risky gaps in coverage that may lead to you not having coverage and more expensive rates. With OCHO, you get continuous coverage and flexible payment plans—keeping you protected without the worry.


We are NOT a payday loan service, cash loan, personal loan app, or a platform for borrowing money.


Companies we are not affiliated with: The Lemonade, The Zebra, Root Insurance, Freeway Insurance, Direct Auto, Elephant Insurance, OTTO Insurance, All State, Safe Auto, Esurance, Nationwide, Gainsco Insurance, Geico Insurance, Go Auto Insurance, Liberty Mutual, AAA Insurance, USAA Insurance, State Farm, Fred Loya Insurance. 


Learn more at www.ocho.co

Ratings and reviews

Very disorganized. No one returns calls. I have my payments set for auto pay and it doesn't work. I've reached out multiple times to have this issue fixed with no results. I also joined Ocho to help build my credit with on-time payments and there's no history of this either. The only good thing about this insurance is that you are able to pay bi-weekly.