Auto Insurance with $0 Down Payment**

Say goodbye to down payments**

Did you know that the cost of your down payment for your auto insurance can be as much as 50% of your total premium? And agents also charge broker fees sometimes as high as $200 per policy... On top of your down payment!

Making a decision to protect yourself and your loved ones shouldn’t be so hard. At OCHO, we make it easy. Get covered today with no money down so you can focus on what matters.**

4 benefits of getting your auto insurance with ocho

You say goodbye to down payments**

Down payments can be so high that sometimes it makes it impossible to get auto insurance. With OCHO, the problem is solved, we let you pay overtime with zero down payment.**

You make payments every two weeks

If you make your payments on time, you may see your rates decrease and save money. That’s why with OCHO, we help you to make them on time by aligning your pay check schedule to your insurance payments.

You build your credit score*

Your credit score can have a big impact on how much you pay for your insurance (and many other things). Build your credit with every payment you make on time with OCHO.

You can check your credit score for free

During your application for your car insurance with OCHO, you will get your credit score for free.


a woman and a girl smiling


Credit scores are so important to our financial lives in America, yet so hard for many to fix, repair or build from scratch. We don’t think this is fair. The reality is that not everyone has the same opportunity to build a strong financial future. At OCHO, we believe in giving everybody a fair start. For the first time in the history of insurance, you can build your credit with every payment you make*. We call this “credit-building insurance”.

What a good credit score can help with?

OCHO can help you build your credit score with every payment*. A good credit score means:

  • Lower insurance premiums
  • Get approved for a car loan or a mortgage
  • Lower security deposit for rent
  • No more deposits for utilities
    (cell phone, energy, water)


Get your estimated quotes for free without giving your last name.
Enter information about your car and decide which drivers you want to insure.
Compare final prices and coverages, no more bad surprises!
Sign your policy online and get your Proof of Insurance. Whooo!
With every on-time payment you make, you build your credit score.


OCHO PAY is the smart way to pay for your insurance.

  • Pay smaller bi-weekly payments
  • Sync-up your payments with your paychecks
  • $0 down payment** and $0 upfront fees
  • Get easy to understand and transparent quotes
  • Compare your insurance options on final prices

Smarter payments + better budgeting = more savings!

Watch the video:
Choose your payment date

Save Money with ocho!

The price you see is the price you pay

Brokers don’t always show you final prices. At OCHO you see final prices, from multiple insurance carriers which allows you to make your decision. OCHO’s transparency helps you save money and time.

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Partnering with the best

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