OCHO Affordable Car Insurance
Flexible payment car insurance
How much does OCHO Affordable Car Insurance cost?
Prices are current as of 12 Sept 2026.
OCHO Affordable Car Insurance has no in-app products on record in the United States.
10+ alternatives to OCHO Affordable Car Insurance
| OCHO Affordable Car Insurance |   The General Insurance App |   Esurance Mobile |   Root: Better car insurance |   Jerry: Insurance & Car Care |   Clearcover Car Insurance |   Split Pay: Rent, Mortgage, Car |   Livble - Split your rent |   Just: Affordable Car Insurance |   GoAuto Insurance |   Insurify - Save on Insurance | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 4.7 | 4.7 | 4.8 | 4.7 | 4.7 | 4.7 | 4.9 | 4.6 | 4.4 | 2.1 | 4.3 |
| Reviews | 1.4K | 227K | 209K | 73K | 30K | 17K | 15K | 2.5K | 2.3K | 176 | 120 |
| Released | 2023 | 2018 | 2010 | 2015 | 2017 | 2018 | 2023 | 2022 | 2020 | 2020 | 2022 |
OCHO Affordable Car Insurance reviews
4.7 out of 5, based on 1,424 reviews.
What people like
- Start policy with zero down payment
- Flexible options to pay in installments
- Easy to use for quick quotes
What they complain about
- Takes money but gives no insurance
- Hard to reach a real person
- Prices are often higher than others
Fast Easy Economical
I needed coverage for a new car purchase and they took care of me
No. Just no.
Just wanted a quote, ended up with a dent in my FICO score because ohco checked my credit without. Telling. Me. That is effed up.
It is a blog app but….
I actually love this app and it has helped me tremendously to be able to keep my car insurance. The only thing is I wish there was a way to actually talk to a live person over the phone. The other thing is waiting to make a change to my policy. I feel as though changes should be able to be made the same day and not have to wait!
Why Am I Still Waiting???
It’s been hours and I still haven’t received my policy so I can drive ! Wouldn’t be a problem if they hadn’t drafted the money already or I could go elsewhere! This is costing me time and I’m sure they’re not offering a discount for the delay. I’ve spoken to several reps and no one has mentioned a discount only asking me to wait a longer!
Nice pay out option but!
It’s nice to have the pay out in installments option but anytime you need more time to pay it’s like we’re gonna cancel your insurance even with only moving a few days . I will probably just pay my next policy myself since I won’t cancel myself
Very unprofessional
I wouldn’t recommend!! I paid for my insurance renewal and it took two weeks before they insured my vehicles… never again
Predatory JOKE
I genuinely feel bad for anybody who actually buys insurance through OCHO. This is nothing short of predatory. I checked quotes just for the heck of it. Nearly double what Progressive, GEICO, State Farm has quoted me. I near LAUGHED OUT LOUD and promptly deleted the app. This is a classic example of how smooth brained most people are when it comes to financial literacy. I might be in the wrong business!
Rates
I love the fact that they give you flex options to pay with a lower deposit or even a zero deposit. It’s way better than Hugo where they are constantly charging you and increasing your rate… however I had a quote and I was waiting for my son to get off of work so he could send the money and I can start the quote and then as soon as I went on there, they made me sign back in and redo everything and gave me a higher quote. Which kind of just jammed me up again.
Call center
Very poor as waiting too long to get live agent I do need speak but I been on phone holding too long twice so far
Best auto insurance in America…….
It’s easy and they give you more time when funds not great….
Legal action pending
To Whom It May Concern: I am formally disputing the current status of my Ocho account and demanding immediate correction of the inaccurate delinquent reporting associated with this account. I obtained coverage solely for the purpose of transporting my vehicle to a port and loading it onto a vessel. My requested coverage period was January 14–16. On January 15, after my vehicle had already left, I contacted Ocho customer service by phone and clearly requested that my policy be canceled effective that date. During that communication, I specifically asked whether there would be any fees, penalties, or additional charges for canceling early. I was informed that there would be no additional fees because I had already paid the required $129 initial payment. I relied on the information provided by Ocho’s representative and reasonably expected my cancellation request to be processed. Had I been informed that additional payments would continue or that my account would remain active, I would have taken immediate action. Instead, I was provided inaccurate information and my account was not properly canceled. I have since discovered that Ocho has reported multiple past-due payments on my credit report. This reporting is inaccurate and has negatively impacted my credit profile. I have made multiple attempts to resolve this matter directly with Ocho through both phone and chat support. During these interactions, I was repeatedly advised that a supervisor would contact me once my account was corrected. Despite these assurances, I have not received any written confirmation, phone call, or resolution regarding the correction of my account. I have also been advised that previous representatives allegedly did not document my cancellation request in my account. However, the absence of internal notes does not change the fact that I contacted Ocho on January 15, requested cancellation, and relied on the information provided by your representative. Ocho is responsible for maintaining accurate account records and ensuring that customer requests are properly handled. Most recently, I spoke with Fernanda, Supervisor (Agent ID: 15c09518). Unfortunately, my concerns were not resolved, and I was not provided with a clear resolution or timeline for correcting the inaccurate reporting. At this point, I am not requesting another open-ended investigation. I am demanding immediate correction of my account as follows: Cancel my policy effective January 15, the date I originally requested cancellation. Remove any charges, balances, or fees assessed after January 15. Correct and retract any inaccurate past-due reporting submitted to consumer reporting agencies as a result of this error. Ensure my account no longer reflects delinquent status related to charges that should not have existed. Provide written confirmation that these corrections have been completed. If this matter is not fully resolved within seven (7) calendar days of receipt of this notice, I will proceed with legal action against Ocho to seek any available remedies related to the improper handling of my account, failure to process my cancellation request, and the resulting inaccurate credit reporting. I will also file complaints with the appropriate consumer protection and regulatory agencies, including the Better Business Bureau, Consumer Financial Protection Bureau, and applicable insurance regulatory authorities. I have made every reasonable effort to resolve this matter directly with Ocho. I now expect prompt corrective action and written confirmation that my account has been properly canceled effective January 15 and that all inaccurate delinquency reporting has been corrected. Do not go with this company. I will see you guys in court !
OCHO review
They are the most flexible insurance company ever. Better apply. This company is very helpful.
Take your business elsewhere
Nothing that was offered through this company was more affordable or cheaper than anything offered by others elsewhere. I got quotes from local places for $1300 foot 6 months, and this app gave me quotes for $599 down and total cost up to $5000, for the same coverage. Not only that, but it was asking me to include/exclude cars and people who have never lived at my address. Update: Based on their response, they claim that the prices seen came straight from the companies that offer them. As I already stated, I got offers from other brokers, as well as from many of the companies in question directly for much less. These were confirmed rates using my exact information — just as this broker claims to do. So not only was this broker’s response a lie, but it is also a clear representation of predatory practices.
Worth checking out
Love this app every other company wanted a huge deposit to stat my policy OCHO let me start my policy with 0 down and very low payments on my paydays!!
Great!
The app makes it impossible to remove a car from my list of vehicles, and since I don’t have the vin number of a car I don’t have; I can’t continue with my application and quote. Need to fix that bug if you want business.
The best
Cheap prices great service honestly the app easy to use
No sirve
Pide toda tu información y a la final no saca ninguna cotización.
I'm In Luvvv 😍
Nevaah could haave maade iit.. wiithout youuuu. Thank you so so much for making a difference. Because of OCHO I'm able to make the moves I need to keep living. To the Individual who thought of this brilliant idea to the whole team who became apart of it. You all are a Blessing. Thank You I recommend.
cant delete the account
Wont let me delete account
Super easy to use
Found great deals other brokers couldn’t handled everything without an agent and I could do it myself, very happy with this service.
Customer service and App suck
It gives you the option to change your payment date if you’re unable to pay on a certain day, but even after changing the date, you still start receiving emails and text messages saying your policy is going to be canceled. Then, when you try to update your information, you either have to pay an extra $25 fee or the app simply doesn’t work properly. Then you call customer service and at times they give you someone whose English isn’t clear or understandable.
Wonderful app
This is the best thing since chocolate milk
Fraud
This is a fake insurance company it’s fraud I paid 90$ to start my policy they took my money and I’m out 90$ and still no insurance and they don’t know what the word refund means apparently Tris to text an agent
Muy buena
Rapido y fácil para conseguir un contracto con ellos
Waist of time
Got my info and didn’t give me a quote
OCHO Affordable Car Insurance FAQ
- Is OCHO Affordable Car Insurance free?
- Yes. The app is free, in all 3 countries it sells in, and it sells nothing inside it.
- Does OCHO Affordable Car Insurance have a free trial?
- No. None of its offers (US) come with a free trial.
- What are the best alternatives to OCHO Affordable Car Insurance?
- The General Insurance App (4.7 from 227,497 reviews), Esurance Mobile (4.8 from 208,992 reviews) and Root: Better car insurance (4.7 from 73,139 reviews).
OCHO Affordable Car Insurance download
Last updated 1 month ago.
OCHO Affordable Car Insurance sells in 3 countries. It was released 3 years and 5 months ago, on 10 Apr 2023. It holds a 4.7 rating from 1,424 reviews.
Supports 1 language: English.
How much does OCHO Affordable Car Insurance make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.