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
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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!
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
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
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
4.7
Excellent
120 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 1 week
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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
5 March 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.
19 March 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.
2 March 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
21 March 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.
21 March 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 📅
21 March 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
21 March 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!
Awesome app cheap INS full coverage
Free app very simple to use and access insurance card and documents. Very very convenient and highly recommend it. Have had this company since June 2025
12 June 2025
Reply from OCHO
We're so happy we could get you affordable full coverage! Thank you for the great feedback and for being with us since June 2025, we really appreciate you.
Pretty flexible doesn’t matter the age of the buyer
Company is very straightforward and flexible with your insurance payments and deals
19 March 2026
Reply from OCHO
Thank you for your feedback, we really appreciate it.
We’re glad to hear you’ve found our service straightforward and flexible. Our goal is to make car insurance more accessible, with flexible payment options that work for a wide range of drivers, regardless of age or situation.
If you ever need help reviewing your coverage or payment plan, we’re here to help.
Reply from OCHO
Thank you for your feedback!
We’re glad to hear your experience was quick and straightforward. Making car insurance fast and easy is exactly what we aim for.
If you ever need anything, we’re here to help.
I dont like how you wait until a policy…
I dont like how you wait until a policy is almost expired before tiy send out a renewal. I think it's bad customer service
19 March 2026
Reply from OCHO
We appreciate your feedback and understand how important it is to receive renewal information with plenty of time to plan. That is a fair expectation.
After reviewing your account, we can see that your renewal offer was sent around 25–30 days before your policy expiration, and the renewal was processed with the carrier about 10–15 days prior. The final documents were made available closer to the expiration date due to processing timelines on the carrier’s side.
As an agency, we act as the bridge between you and the insurance company, and we move as quickly as possible at every step. Some parts of the process, like document generation, do depend on the carrier’s timing, but we continue to push for faster turnaround wherever we can.
We agree that earlier access to documents is always better, and we are actively working with our carrier partners to improve this.
If you ever have questions about a renewal or want to review options sooner, feel free to reach out. We are always happy to help.
I love ocho
I love ocho. from no down payments to payment plans and customization it is amazing. I will never use another company.
18 March 2026
Reply from OCHO
We love you too! We’re so glad to hear you’re enjoying the no down payment options, flexible payment plans, and the ability to customize your coverage. That’s exactly what we aim to make easier.
We’re grateful to have you with us, and if you ever need anything, we’re here to help.
Reply from OCHO
Thank you for taking the time to leave a review, we appreciate you!
Reply from OCHO
We're so glad we gave you great customer support! We really value your review, thank you.
Reply from OCHO
We appreciate the feedback, that gave us a smile!
We’re glad to hear the process felt fast and easy, that’s exactly what we aim for. Keeping things simple and straightforward is a big priority for us.
If you ever need anything, we’re here to help.
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