OCHO Auto Insurance: User Reviews and Quotes (2026)
OCHO isn’t a car insurance company. Instead, it’s an agency that helps drivers get covered for little or no down payment.
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Written byEvelyn Pimplaskar
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Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
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Edited byAshley Cox
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Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
OCHO is a fairly new entrant in the car insurance marketplace — the company launched in 2021. OCHO is a car insurance agency that works with insurance companies to underwrite policies. What makes the company unique is that it addresses a significant and common obstacle to getting coverage: the need to make a large down payment to initiate a policy.
OCHO claims it lowers down payments for 100% of its customers.[1] While the prospect of no-deposit car insurance may have broad appeal, OCHO is currently available in only eight states.
Let’s take a deeper look at OCHO, how it works, and whether it’s right for you.
Quick Facts
OCHO achieves zero or low down payments by financing your down payment amount. You’ll repay the down payment in small installments with your regular premium payment.
The agency offers flexible payment plans that allow you to pay your premium in two-week installments, timed to coincide with when you get your paycheck.
OCHO says 58% of customers who use its PriceCheck tool to compare two final quotes save more than $600 on average.
OCHO at a glance
OCHO’s defining difference is its OCHO Pay product, which provides zero-interest loans to help drivers cover the cost of a down payment.
Auto insurance companies typically either charge drivers a down payment to start a policy or require the first month’s payment up front. These down payments can vary significantly among drivers and from company to company, as many factors affect car insurance quotes. Drivers with poor credit history or multiple violations on their driving records may face very large down payments.
OCHO is currently available in Arizona, Georgia, Illinois, Missouri, New Mexico, Texas, Washington, and Wisconsin.
OCHO offers two policy types: OCHO Plus and OCHO Plus with Comp & Collision. OCHO Plus is the agency’s basic insurance package, and it includes bodily injury and property damage liability coverage, uninsured motorist coverage, and medical payments coverage.
Depending on the insurer you choose, you may be able to buy underinsured motorist coverage, too. The Comp & Collision package adds comprehensive and collision coverages.[2] You can add roadside assistance and rental car reimbursement to your OCHO Plus full-coverage plan.
OCHO pros and cons
Before getting a policy through OCHO, consider some of its pros and cons.
Pros
OCHO Pay can reduce initial out-of-pocket expenses to start a policy
Breaking premiums into smaller increments, payable every two weeks, may make costs more manageable
Reports on-time payments to credit bureaus, which could help customers build credit
Cons
Only provides digital insurance cards as proof of insurance
Rates may be higher with non-standard partner insurance companies
Doesn’t accept credit cards for premium payments
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How OCHO works
Like other online agencies or comparison websites, OCHO partners with insurers to help drivers compare quotes from multiple car insurance companies. OCHO’s quoting process requires standard information like your ZIP code, age, gender, vehicle make, model, and year, driving record, miles driven per year, and more.
OCHO lists 16 partner insurance companies on its website. That’s who your quotes will come from. It’s worth noting that some of these insurers are “non-standard” — meaning they cater to drivers who have difficulty finding coverage due to credit or driving history issues.[3]
Once you choose an insurer, OCHO asks additional simple questions to help refine your quotes. While actual premiums can change from the beginning of the process to the end, the quotes from the second set are nearly final, OCHO says.
The company offers a proprietary tool it calls PriceCheck, which allows you to compare two final quotes. These quotes are more accurate, OCHO says, because they take into account detailed rating factors like motor vehicle and claims history reports, credit reports, driving behavior, and other data points.
After you choose a policy, you’ll be able to set up flexible payments that better fit into your monthly budget. OCHO says it gives customers extra time to pay premiums and doesn’t charge late fees for delayed payments.
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Learn More: Average Cost of Car Insurance
How OCHO Pay works
While many other websites can help you see and compare car insurance quotes, OCHO stands out for its ability to help drivers buy a policy without a very large down payment. OCHO provides drivers with a 0% APR loan to help cover the cost of their down payment. Policyholders then repay the interest-free loan and an $80 broker fee in small increments every two weeks as part of their regular premium payment.
Good to Know
While OCHO doesn’t eliminate down payments for drivers, it can make them more manageable by reducing the initial payment — sometimes to zero — and breaking the remainder into smaller payments over time. And because OCHO reports payments on its no-interest loans to the credit bureaus, making regular, on-time premium payments could help customers build their credit.
OCHO reviews: What real customers are saying
Because it’s only been around a few years, OCHO doesn’t have any customer reviews on Trustpilot. Insurance industry rating company AM Best doesn’t rate OCHO, and J.D. Power doesn’t include the agency in its industry rankings.
To get an idea of OCHO’s performance, you’ll need to turn to Google, Google Play, and the Apple App Store, where reviews are generally positive.
On Google, OCHO has 3.9 stars from 30 reviews that are mixed. Multiple reviewers praise the small or zero down payment they received, while others report issues with reaching customer service and getting information.
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In the Google App Store, OCHO has 4.4 out of 5 stars, and most of its 436 ratings give five stars.
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But some recent Google App Store reviewers report unsatisfactory experiences with quote accuracy, billing, and the app’s performance.
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Ocho does a bit better on the Apple App Store, with 4.7 stars and 952 ratings that are overwhelmingly positive.
Is OCHO legit?
Yes, OCHO is a legitimate site and mobile app operated by OCHO Insurance Solutions LLC. The California-based company is licensed to sell insurance in Arizona, Georgia, Illinois, Missouri, New Mexico, Texas, Washington, and Wisconsin.
After using the site to request preliminary quotes, we didn’t receive any spam emails from OCHO or any third parties. We did receive text messages from OCHO inviting us to finalize our quotes, but opting out was easy.
OCHO Insurance FAQs
OCHO has a robust and informative website that provides many answers about its product, as well as articles with general information about car insurance. Here’s some additional information about OCHO Insurance.
Is OCHO easy to use?
Many online reviews indicate OCHO’s website and app are easy to use. We also found OCHO easy to use during our testing process. It’s also easy to find information about the company, its products, and its founders on the website.
Will you get real quotes from OCHO?
Yes, OCHO can give you real quotes. In addition to a first set of quotes, OCHO allows shoppers to use its PriceCheck tool and compare two final quotes side by side.
Is OCHO free?
Like most comparison sites, OCHO doesn’t charge to show you quotes. But if you buy a policy through OCHO, the company will receive a commission from the insurer you choose. You’ll also pay an $80 broker fee, split up into payments of about $7, over the term of your policy.
How can you contact OCHO?
OCHO offers customer support through live chat, phone at 1 (800) 220-1416, and email at [email protected]. Customer service is available from 8:30 a.m. to 9 p.m. Central time.
Does OCHO sell your information?
OCHO says it doesn’t sell the private information it collects from customers. The agency’s privacy policy says OCHO uses the data customers share to provide insurance quotes, service policies, and personalize products.
Who owns OCHO Insurance?
OCHO Holdings Co. owns OCHO Insurance, according to OCHO’s website. Entrepreneurs Jaime Gutierrez, Akshay Buradkar, and Lulu Luchaire founded the company in 2021.
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Sources
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Evelyn PimplaskarEditor-in-Chief, Director of Content
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in