Excellent
Based on 239 reviews
OCHO4.6Honesty, pricing, process and quality scores appear once 5 customers have rated them.
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.
OCHO (ocho.co) has 239 customer reviews on Folks Told, with an average rating of 4.6 out of 5.
239 approved reviews, newest moderated first
customer
Love how easy an fast it was setting up my auto insurance! How cheap the down payment was as well was a blessing !
Reply from OCHOSep 4, 2026
Thank you so much for the great review! We're so happy we could get you a low down payment on your auto insurance.
Douglas S.
quoted a price that I liked, signed the documents and what the heck happened but the price increased afterwards! To cancel was a pretty penny ripoff also ($174 within in 10 hrs) No grace period. Absolutely stole and lied to me about quoted price ($119 a monthly )After i signed the docs it went up($169 twice every month $338 total). What a Con ripoff. Horrible brand..Also a Waste of time doing all their steps. Absolutely Not recommended
Reply from OCHOSep 4, 2026
Hi Douglas, we're sorry for the confusion around pricing. To clarify what happened: the initial quote you saw was a preliminary estimate, and the final price is confirmed at the point of signing your documents. The amount displayed when you completed your purchase was the correct final price. So, no price changes, no resets. On the cancellation balance, our broker fee is earned at the point of purchase and covers all the work done to get you insured, so it is non-refundable even on same day cancellations. Please reach out at [email protected] or call (800) 220-1416 if you'd like us to walk through your account in detail. — The OCHO Team
customer
I had the policy less than 24hrs. Paid 89 down. Found better policy. Was told I had to pay another 90.00 to cancel. Didn't expect to get the original amount back but to pay another 90.00 to cancel is insane. If I had it for maybe another week or so I could understand having to pay for longer coverage but I didn't even have it a full day yet.
Reply from OCHOSep 4, 2026
Hi, we're sorry for the frustration. To explain: when you purchase a policy through OCHO, our broker fee is earned at the point of purchase and covers all the work done to get you insured, regardless of how long you keep the policy. The carrier also has its own cancellation fees that apply from day one. These terms are outlined in the declaration page you acknowledge before completing your purchase. We know that's disappointing to hear. Please reach out at [email protected] or call (800) 220-1416 if you have any further questions about your account. — The OCHO Team
Barbara S.
I was looking for reasonable prices the quote came up that could afford and really liked it that I could pay biweekly set it up on my pay days. Thank you Ocho
customer
The $149 'broker fee' is crap considering i never talked to anyone, did all the input myself, and the process is fully automated but whatever i guess you guys have to make money too... Insurance doesn't seem to be cheaper than anyone else
Reply from OCHOSep 1, 2026
Hi, we hear you and it's a fair question. The broker fee covers everything OCHO does on your behalf to get you insured. We search through all available options to find you the best price, use our proprietary PriceCheck AI tool to make sure you're not overpaying, collect all the information carriers need like vehicle photos and license copies, deliver your final quote in minutes, and handle any changes or reinstatements along the way. That's a lot of work that a traditional insurance broker would charge far more for. On top of that, as an OCHO customer you also get access to benefits like low down payments, flexible payment schedules, more time to pay when you need it, and credit building with every on-time payment. Benefits you won't find bundled together anywhere else. We hope that context helps and thanks for giving OCHO a try regardless! — The OCHO Team
Renella R.
With the high cost of auto insurance it's such a blessing being able to pay the payments out and not have a huge payment.
Reply from OCHOAug 31, 2026
Thank you so much for taking the time to review us, Renella. We're so glad we could help you get affordable car insurance!
Jorge N.
I love the fact that I was given a great policy. Thank you
Reply from OCHOAug 31, 2026
Thank you for being a great customer, Jorge! We really appreciate the review.
Semya W.
My down payment was still higher than I expected, but overall they are a legitimate company and if your credit is good, you may can get the zero down😊!
Reply from OCHOAug 29, 2026
Thanks for the honest feedback and for the kind words! You're right that down payment amounts vary based on individual factors like credit history. We're really glad you had a good overall experience with us! If you ever need anything, just reach out! — The OCHO Team
