This company or App is seriously AMAZING I Can’t tell you how seriously helpful this is!! I wish nothing but continued success and great things for your company. Thank You!! For making Car insurance... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Shopping for insurance is always a headache with a relentless amount of calls from different carriers offering basically the same plan. Ocho does it differently. They show you different options (b... See more
Company replied
It was a streamlined , online no hassle experience i am happy the deals were awsome snx the serup was easy - i am telling everybody anx snybody- YOU BETTER GET OCHO!
Company replied
Money has very lean in my household. My budget fluctuates and it's hard to keep up with my budget to where my bills get paid on time. OCHO works with me when I'm unable to make the payment. I don't re... See more
Company details
- #75 of 117 best companies in Insurance Agency
- #26 of 43 best companies in Auto Insurance Agency
- #25 of 37 best companies in Insurance Broker
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
148 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 90% of negative reviews
Typically replies within 1 week
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Payments are low and if paid on time…
Payments are low and if paid on time boosts my credit
March 27, 2026
Rogue Budget
Money has very lean in my household. My budget fluctuates and it's hard to keep up with my budget to where my bills get paid on time. OCHO works with me when I'm unable to make the payment. I don't receive your payment is late messages, I don't receive harassing phone calls and I don't get sent to collections. They don't make me feel like I'm a failure.
March 26, 2026
Very easy and simple to set up
Very easy and simple to set up and maintain the account love that payments can be split
February 26, 2026
Ocho makes it possible for me to keep…
Ocho makes it possible for me to keep my vehicles insured they have many options to help with payments which I really appreciate! I appreciate the app it always works perfectly!!
March 24, 2026
I had been looking for affordable…
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!!! Thanks OCHO!
March 23, 2026
Reply from OCHO
Thank you so much for taking the time to leave us a review!
Great service and great prices to keep…
Great service and great prices to keep me on the road.
March 23, 2026
Reply from OCHO
We're so happy to hear this! Thank you for you review.
Reply from OCHO
We're so glad you've had a smooth experience with us! Thanks for leaving a review.
Worst company
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
March 5, 2026
Reply from OCHO
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.
Reply from OCHO
We appreciate your feedback. Keeping costs manageable is important, and we understand that price plays a big role.
Insurance premiums are set by the carrier based on factors like location, driving history, vehicle, and coverage level, but we’re always working to help you find the best option available.
If you’d like, we can take another look at your policy and see if there are any ways to lower your premium or explore alternative options. Feel free to reach out to us, we’re happy to help.
Got me just what I needed…
That you got me the down payment that I needed with an insurance company that just canceled my policy and told me I couldn’t renew.
March 19, 2026
Reply from OCHO
Thank you for sharing your experience. We’re glad we were able to help you secure the down payment you needed and get your coverage back in place after your previous policy was not renewed.
We know situations like that can be stressful, and our goal is to make getting insured as straightforward as possible. If you ever need help reviewing your policy or exploring options in the future, we’re here for you.
Understands hardship when a payment has…
Understands hardship when a payment has to be late and don’t cancel.
March 2, 2026
Reply from OCHO
Thank you for your feedback! We're so happy we have been able to help you out. We understand that life happens and payments don’t always line up perfectly, so we do our best to provide flexibility whenever possible.
Our goal is to help you stay covered and avoid unnecessary cancellations, while still keeping everything on track. If you ever need support or have questions about your payments, we’re always here to help.
Reply from OCHO
We’re so glad the lower upfront payment made it easier to get started - that's what we're here for!
If you ever need help with your policy or payments, we’re here for you.
What’s on my mind
It’s nice having it split into payments. I had asked for glass coverage zero deductible and was told they would get back to me No one did Would love to see when each renewal you get a reward idk what to expect if anything would have to require using my insurance vs paying for the premium Thank You
March 21, 2026
Reply from OCHO
Thanks for your feedback. We’re glad to hear the split payment option has been helpful!
We’re sorry we missed the follow-up regarding glass coverage with a zero deductible. That’s not the experience we want you to have. Our team will be in contact with you, and we’ll make sure this is reviewed and get you a clear answer as quickly as possible.
Regarding rewards at renewal, we appreciate the suggestion. While we don’t currently offer a renewal reward program, we’re always looking at ways to improve the experience and pass along value to our customers.
If you ever have questions about coverage options or what to expect at renewal, we’re here to help and happy to walk you through it.
Ocho is there to help people who are…
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 could go to some big brand and get some sort of benefit, but it is good to support those that help others.
March 21, 2026
Reply from OCHO
Thank you for sharing this, it really means a lot.
We’re glad we could be there for you when you needed support, and even more so that you’ve chosen to stick with us. Providing a fair, reliable option that people can count on is exactly what we aim to do.
We appreciate you being with us and for recognizing what we’re trying to build. If you ever need anything, we’re here for you.
My Experience with Ocho has been Amazing…
My Experience with Ocho has been phenomenal 🙌 😍 thank you for Flexing payments plans that fit my Pay Schedule 📅
March 21, 2025
Reply from OCHO
Whooo! Thank you for sharing this, we really appreciate it.
We’re glad to hear your experience has been phenomenal and that the flexible payment plans are working well with your schedule. That’s exactly what we aim to make easier.
If you ever need anything, we’re here to help.
Reply from OCHO
We’re glad to hear everything has been excellent, that’s exactly the experience we aim to provide. If you ever need anything, we’re here to help!
Easy fast efficient and have had got…
Easy fast efficient and have had got several years
March 21, 2026
Reply from OCHO
Thank you for your feedback and for being with us for several years, we really appreciate your continued support.
We’re glad to hear your experience has been easy, fast, and efficient. That’s exactly what we aim to provide every time. If you ever need anything, we’re here to help.
Reply from OCHO
Thank you for taking the time to write us a review, we appreciate you!
Reply from OCHO
We're glad we could get you a great deal! If you ever need anything, feel free to reach out!
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