OCHO: THE NEW, EASY WAY TO BUY INSURANCE

We help you get (and keep) the coverage you need.
Our interest-free financing takes the stress out of paying for car insurance.
Enjoy lower or $0 down payments, extra time to pay, and split payments every 2 weeks.
You can boost your credit score when you pay on-time for your insurance.*
How does OCHO work?
We help pay for your car insurance down payment interest-free.
Flexible payment plans make managing your insurance smooth and easy.
We even give you more time to pay
so you stay insured.
Five Stars
Gloria K., Springfield, IL
Totally legit and you don’t have to put any money down and they give your proof of insurance the same day. You are insured in a matter of just minutes. I have them and I love it. And a bonus is they actually answer the phone and are very polite and helpful. Also you pay when you get paid so need to worry about your insurance being due in-between pay periods.
Read more reviews

Why choose between paying your bills and having car insurance?

With OCHO, you don’t have to!

Think of us as two companies in one

We are a digital agency that helps you compare real-time quotes and find the best deals.
As a premium finance company, we lend you money to pay for your insurance interest-free.

$0 down car insurance is real, and it's available only at OCHO

Find out more

Coverage that gives you breathing room

  • A lower down payment - some even get $0 down!
  • Split payments. Pay us when you get paid.
  • Extra time to pay. No late fees.
  • Instant proof of insurance.
  • Build your credit score with each payment.*
Car insurance should be affordable for everyone!
OCHO, built by immigrants to help you beat the system.
We're pioneering a new standard to help hardworking people afford insurance.
No one looks after you like OCHO.
Finally,
car insurance you can afford.
Start your OCHO journey today.
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FAQs

What is OCHO?

OCHO is a car insurance agency with a difference. We're like a bridge between you and insurance companies. 

This is how we simplify your insurance experience:

We search for the best deals from our partner insurance companies and show you as many policy options as possible. After you choose your coverage, we finance the initial payment insurance companies need to start your policy. We provide a 0% APR loan for this upfront cost.

Why is that so good?

  • It means you get a lower down payment. Many insurance companies charge up to 50% of the total policy. With the cost of insurance policies rising generally, it’s a lot of money - it makes you think twice about buying insurance. With OCHO Pay, you can lower this upfront payment to make it manageable, and in many cases, you can even qualify for $0.
  • You pay us back in smaller amounts, aligned with your paycheck cycle, to help you budget effectively.
  • Even better - we are the first and only car insurance agency where you can build your credit score with every on-time payment you make. 

We do this because we know how hard it can be to come up with a big lump sum for a down payment. We want you to stay safe and have the ability to access the car insurance you need.

Is OCHO an insurance company?

No. OCHO is not an insurance company that sets your car insurance rate. These rates are beyond our control; the prices you see are from the insurance companies we work with.

Instead, OCHO is an insurance agency or “broker” committed to finding you the lowest price and best option. 

Here's the most exciting part: OCHO is the only agency that offers to reduce your down payment, and we lower it for 100% of our customers. You won't be able to find a lower auto insurance down payment anywhere else.

Is OCHO insurance legit?

We promise we’re real, here are all the lovely team members that work hard to create OCHO for you!

OCHO was founded to help hardworking people afford their insurance. Our team works tirelessly every day to get you the best insurance deal and ensure a smooth, stress-free experience.

You can also see our licenses for each state in the following link:  https://www.ocho.co/licenses 

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Questions?

We're here to help,
every step of the way.