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Car insurance from $0: how OCHO makes auto insurance affordable
Getting cheap car insurance can seem impossible if you can’t pay-in-full or on-time. Most discounts only reward those who never miss a payment. If you’ve ever struggled to keep up or had a policy canceled, you’re often hit with huge down payments, sometimes 40% of the total cost. For many, that’s simply out of reach, forcing some to drive uninsured.
But what if there were another way? What if you could get the coverage you need with a low down payment and affordable installments?
Introducing OCHO. We have real solutions for real people, no empty promises.
Re-think cheap car insurance: the smarter way with OCHO
OCHO offers cheap car insurance that doesn’t cut corners on quality or service. At OCHO, “cheap” means smart savings. We help you get the coverage you need without overpaying, offering flexible payment options and genuine support whenever you need it. With straightforward coverage, easy payments, and no hidden fees, OCHO keeps car insurance simple, affordable, and stress-free.
We are constantly innovating to bring you cheap auto insurance that makes managing your day-to-day budget a little easier.
We’ve simplified the process of getting and maintaining car insurance with an easy online comparison and payment system. Plus, we offer interest-free financial assistance to help make your insurance more affordable.
Get a free quote to discover how much you could save with OCHO, and keep reading to learn what makes our cheap car insurance stand out from the competition.
Fast Facts: Cheap Car Insurance Made Simple
Pay-as-you-go car insurance can mean different things depending on the company, but here’s what you need to know:
Compare cheap car insurance quotes from our trusted insurance partners.
We’ll always help you find the lowest car insurance rates available. No massive price hikes at the last minute.
Every customer gets a low down payment, and some qualify for $0 deposit car insurance.
Get a custom payment plan that fits your budget.
Need more time to pay? Flexible payment options make it easy to stay insured.
Paying on time can help you build your credit score while keeping affordable coverage.
OCHO vs. traditional cheap car insurance: see how you can save
Traditional insurers: Can charge up to 40% of your policy.
OCHO: Our prices start from zero deposit.
Traditional insurers: Show you a super cheap price at the start to lure you in, but then hike it up at the last minute.
OCHO: We show you accurate rates from the start. We also double-check your final quote for you, to make sure you’re getting our cheapest price!
Traditional insurers: Delayed due to complex processes.
OCHO: We approve you straight away for our lower down payments.
Traditional insurers: Rigid monthly payments.
OCHO: Flexible payment plans customized to your paycheck, every two weeks, fee-free.
Traditional insurers: Charge you for every change, and if you pay in installments, they can add an extra 3-5% on to your policy amount.
OCHO: Transparent, no surprises.
Traditional insurers: Most insurers will only offer a substantial discount if you pay-in-full.
OCHO: We can pay your policy in full for you, saving you up to 13% off your policy total. Then you pay us in installments as normal. Note: this is only available in select states at the moment.
Traditional insurers: Rigid, don’t offer any extra time outside of the legal 10 day period.
OCHO: OCHO: You can ask for more time to pay with just a few taps! Up to 15 days extra, at no cost.
What type of car insurance do I need?
The best car insurance isn’t just the cheapest option you can find. A super low rate might seem tempting, but if your policy doesn’t cover the things that matter — like accidents, theft, or damage to your car, it could end up costing you a lot more in the long run. At OCHO, we help you find affordable coverage that actually protects you. That means you get a policy that fits your budget without leaving gaps in protection.
With OCHO, you can compare different types of coverage and see exactly what each option includes. Each level of protection is designed to meet different needs and budgets, so you can make a confident choice knowing you’re getting the right coverage for you and your car.
Liability Coverage: OCHO Basic
☂️ Bodily Injury (BI) Liability: Covers medical costs for others if you’re at fault; includes legal defense.
☂️ Property Damage (PD) Liability: Pays for damage you cause to another vehicle or property.
☂️ Required in most states: Yes, both BI and PD are mandatory.
☂️ Who it covers: You and anyone else responsible in an accident.
☂️ Best for: Drivers who want basic, state-required coverage at an affordable rate.
OCHO Plus
💜 Includes all OCHO Basic coverage (Bodily Injury and Property Damage liability).
💜 Uninsured & Underinsured Motorist Coverage (UMBI, UMPD, UIMBI, UIMPD): Protects you if the other driver has little or no insurance.
💜️ Medical Payments (MedPay): Pays medical bills for you and passengers, regardless of fault.
💜 Optional add-ons: Roadside assistance and rental car reimbursement.
💜 Required in some states: Certain coverage (UM/UIM and MedPay) may be mandatory.
Full Coverage: OCHO C&C (Comprehensive & Collision)
🛡️️ Collision Insurance: Covers damage to your vehicle from crashes, rollovers, and hit-and-runs.
🛡️ Comprehensive Insurance: Covers damage from theft, vandalism, fire, weather, or falling objects.
🛡️ Includes OCHO Plus coverage (liability, UM/UIM, MedPay, and add-ons).
🛡️ Usually required if you finance or lease your car.
🛡️ Optional add-ons: Rental car reimbursement. OCHO C&C (Comprehensive & Collision)
How can I get cheap car insurance?
OCHO specializes in making car insurance affordable for our customers. While we don’t control the price of the policy (that’s up to the insurance company, not us) we do everything we can to make sure you can buy your coverage, and keep it. Here’s what you can do to save:
OCHO’s no down payment insurance
We’ll find you our cheapest deal, and then finance your down payment for you interest-free, so you don’t have a massive bill right off the bat. We then split the rest of your payments up into manageable amounts to help you budget.
Shop around and compare quotes
You could spend hours comparing quotes… or let OCHO do it while you make better use of your time (like literally anything else). We automatically check the final prices from multiple insurers, so you always get the best deal without lifting a finger.
Choose a car that is cheaper to insure
Thinking about a new ride? Sporty models and cars with powerful engines typically cost more to insure.
Maintain your coverage
Little known fact: if you keep cancelling your insurance, your rates will stay high. It can be worse than getting a speeding ticket. That’s why we split your payments up into payments every 2 weeks so you can pay us when you get paid.
Choose our paid-in-full option
Paying upfront works out roughly 10-20% cheaper, and up until now this option was out of reach for our customers. Now, we finance the policies for a small number of people. It’s only available in four states at the moment: Arizona, Georgia, Texas and Washington. Always interest-free. Read more on this option below.
Check out our article on how to get cheaper car insurance to find more ways to reduce your costs. Or find out more about our no-deposit car insurance.
OCHO’s new way to unlock the cheapest car insurance rates
OOne way to get a big discount on your car insurance is by paying for the entire policy upfront, but for most people, that’s just not realistic. The people who need this discount the most don’t have access to it. We don’t think that’s fair.
At OCHO, we’re always finding new ways to help you get insured without breaking the bank. And now, we’re taking it one step further.
So far, we’ve helped drivers cover their down payment, the hardest part of getting insured. But starting now in selected states, OCHO can cover your entire insurance policy, not just the down payment.
Here’s what that means for you:
- You get a pay-in-full discount from your insurance company, it’s usually around 10% off your total policy.
- You still get to pay us back over time, in easy installments.
- You pay zero interest.
So you get the best of both worlds: the lower price that comes with paying in full, and the flexibility of paying over time. It’s an incredible deal that helps you save money and stay insured without financial stress.
Right now, this new service is available for a small number of customers in Arizona, Georgia, Texas and Washington. To find out if you qualify, simply complete your insurance application, and our system will automatically check and let you know if you are eligible once you confirm your final quote.
How OCHO’s Cheap Car Insurance Works
We make it easy to get started:
- Enter Your Information: Download our app from the Apple App Store or Google Play Store, and answer some simple questions.
- Compare Plans: Explore affordable, biweekly payment plans with no upfront cost.
- Choose Your Plan: Select your policy and receive proof of insurance instantly.With OCHO, you’re just minutes away from securing reliable, affordable coverage.
How much does car insurance cost?
The national average cost of car insurance in the USA is $2,149 per year for a full coverage policy.
With OCHO, you can compare different types of coverage and see exactly what each option includes. Each level of protection is designed to meet different needs and budgets, so you can make a confident choice knowing you’re getting the right coverage for you and your car.
By coverage type
🛡️ Minimum coverage: About $806 per year or $67 per month on average.
🛡️ Full coverage: About $2,671 per year or $223 per month on average.
🛡️ High-risk profiles: Can average over $3,200 per year.
By personal factors
👤 Age: Younger drivers with less experience generally pay much higher premiums. For example, an 18-year-old can pay over $2,673 annually for minimum coverage.
👤 Location: Premiums vary by state, with some states having much higher average costs than others. The most expensive state is XX at XX, the cheapest state for car insurance is XX at XX.
👤 Driving record: A history of accidents or traffic violations will increase your rate.
👤 Vehicle type: The make, model, and safety features of your vehicle affect the cost. More expensive vehicles or those with higher theft rates can result in higher premiums.
👤 Gender: On average, men tend to pay more than women, though this can vary.
Cheapest auto insurance for full coverage: Founders First Choice
According to OCHO’s November 2025 analysis, Founders First Choice in Wisconsin is the most affordable auto insurer for full coverage, with average rates of $153.25 every two weeks or $1839 per 6-month policy.
The cheapest full coverage insurance by state
Where you live plays a big role in how much you pay for car insurance. For example, the average rate for full coverage is $3,563.21 for a 6-month policy in Georgia, while in New Mexico, drivers can expect to pay around $2,166.20 for the same coverage.
To give you a better idea of what you might pay, we’ve identified the cheapest car insurance company for full coverage in every state.
For full coverage insurance, the average policy premiums by state are: New Mexico $2,166.20, Wisconsin $2,239.23, Illinois $2,258.90, Arizona $2,495.07, Washington $2,522.32, Texas $2,865.92, Missouri $3,021.59, and Georgia $3,563.31.
To show exactly how OCHO helps you save money and get the cheapest car insurance, check the table below. It compares our average down payment for full coverage by state, along with the average payment every two weeks.
You’ll see how much more affordable it is to get insured through OCHO, especially for full coverage, since our payment plans break costs into manageable amounts. Instead of paying a large upfront deposit (which can be as high as 30%), OCHO helps you keep more cash in your pocket.
For example, in Georgia, a traditional insurer might require a $1,069 down payment. With OCHO, it starts from $0, that’s a lot of money saved right from the start.
Cheapest car insurance for liability coverage: Founders First Choice
Founders First Choice is the most affordable insurance company we work with for liability coverage, with average rates of $55.41 every two weeks or $665 for a 6-month policy, according to OCHO’s November 2025 analysis.
Remember that most states require drivers to carry a minimum amount of liability coverage. While this meets legal requirements, it may not be enough to fully protect you if you’re at fault in a serious accident, or don’t have medical insurance.
The cheapest liability-only insurance by state
Rates can vary widely from state to state due to factors like traffic, accident frequency, theft rates, and state insurance requirements. To help you see the big picture, we’ve gathered the lowest average rates for liability only for the states we serve.
For example, drivers in New Mexico might pay around $856.74 for a 6-month liability policy, while in Georgia, the same coverage could cost closer to $2,395.61.
To help you compare, we’ve identified the cheapest car insurance companies for liability-only coverage in each state. You can also see how OCHO’s payment plans make staying insured even more affordable.
Instead of paying the entire amount upfront, OCHO breaks your costs into easy payments every two weeks, no large deposit required. That means you can get insured right away, even on a tight budget, and keep your coverage active without financial stress.
An insurance company in Georgia might ask for a $500 down payment on a liability-only policy. With OCHO, you could start your coverage for as little as $0, keeping more money where it belongs, in your pocket.
For liability-only insurance, the average policy premiums by state are as follows: New Mexico $856.74, Wisconsin $937.74, Illinois $967.46, Washington $1,169.94, Arizona $1,383.61, Missouri $1,508.83, Texas $1,633.81, and Georgia $2,395.61.
Cheapest car insurance rates by age
Your age is another important factor in determining how much you'll pay for car insurance. For example, the average annual cost for an 18-year-old's car insurance is approximately $5,150 to $6,500, with annual rates as high as $6,981 for males and $6,506 for females getting their own policy. For 18-year-olds added to a parent's policy, the average annual rate for full coverage can be around $4,925.
The average annual full coverage car insurance for a 35-year-old in the USA is about $1,947 to $2,762 per year, or $162 to $230 per month, depending on the specific profile. This figure can be lower or higher based on factors like driving history, location, and the specific insurance company chosen.
Cheapest auto insurance for new drivers
Finding cheap car insurance for young drivers isn’t always easy. Insurance companies often see new or inexperienced drivers as higher risk, which can lead to higher rates. If you’re a young driver living with your family, the most affordable option may be to stay on a family car insurance policy until you build more driving experience.
The average annual cost for new drivers in the USA is approximately $2,329 for full coverage (about $194/month) and $633 for minimum coverage (about $53/month). These rates vary significantly based on factors like location, the specific car being insured, the driver's age and gender, and the level of coverage purchased. For example, rates for an 18-year-old can be substantially higher, sometimes exceeding $7,600 annually for full coverage, especially for males.
Average annual costs
- Full coverage: Around $2,329 per year
- Minimum coverage: Around $633 per year
Cheapest auto insurance for senior drivers
Car insurance costs for senior drivers tend to be lower as you first enter your retirement years. Our analysis shows that older drivers with good credit and a clean driving record usually enjoy some of the most affordable rates. However, premiums often start to rise again once drivers reach their 70s.
The average annual cost for senior car insurance varies by age, with rates typically lower for those in their 60s and increasing for those in their 70s and 80s. A 65-year-old might pay around $2,274 for full coverage, while a 75-year-old could pay approximately $2,620 for the same coverage.
- Age 65: Approximately $2,274
- Age 75: Approximately $2,620
- Age 80: Approximately $2,545
How does OCHO make car insurance cheap?
Finding very cheap car insurance with no deposit required is easier than you might think.
OCHO helps you save on car insurance in several ways:
PriceCheck
We compare multiple insurers automatically so you can find the lowest rates without spending hours searching.
Paid in full
Paying for your policy upfront can unlock additional savings.
Payment Plans
Don’t have the full amount? OCHO lets you finance your insurance or split it into easy, flexible payments.
Extra time to pay
Need a little breathing room? Request a payment extension when life gets busy.
Extra discounts
We make sure you’re getting every discount you qualify for.
Renewal savings
When it’s time to renew, we cut the broker fee to $100 and there’s no down payment required, helping you keep costs low year after year.
Car Insurance Calculator
Curious what you might pay for car insurance? You can find average full coverage rates in your ZIP with our super fast car insurance calculator.
OCHO Tip
If you’re searching for the cheapest insurance for drivers with poor credit, OCHO works with a range of insurers that specialize in high-risk customers. This often means you can find lower rates with midsize or regional companies rather than the big-name insurers.
Cheapest car insurance for drivers with poor credit
Your credit score can play a big role in how much you pay for car insurance, most companies use it to predict how likely you are to file a claim, which can make prices higher for drivers with bad credit or no credit history.
California, Hawaii, Massachusetts, and Michigan do not allow insurance companies to use credit scores for determining car insurance premiums or for underwriting and rating policies. Several other states, such as Maryland, Oregon, and Utah, have restrictions on how credit can be used, but they may still allow credit to influence premiums or have other rules in place.
But getting cheap car insurance for drivers with no credit history isn’t impossible. If you’re looking for the cheapest full coverage car insurance for bad credit, OCHO can help. When you buy your insurance through OCHO, it’s considered a loan which means every on-time payment can help build your credit score over time.
And don’t worry, we only do a soft credit check when searching for your insurance, so it won’t affect your score and you will get an instant approval. Our product is built to help people with bad credit get covered and start improving their financial standing.
Real Customers, Real Savings
OCHO’s innovative approach has helped thousands of drivers secure affordable insurance without sacrificing peace of mind. Here are just a few reasons our customers trust OCHO:
How does OCHO make car insurance cheap?
Affordable, manageable payments
Spread your insurance costs into easy twice-monthly installments so you can stay on top of your bills without the stress of large upfront costs.
Drive now, pay later
Get insured immediately with zero down and easy financing options, perfect for students, gig workers, and drivers on a tight budget.
We pay the insurance company for you
OCHO pays your insurance company upfront, giving you the chance to build a cleaner insurance history and avoid coverage gaps.
Payment extensions available
If life throws you a curveball, request an extension right in the app or webpage. We’ve got your back.
No hidden fees
Transparent, low-cost car insurance with flexible plans and clear terms.
Stay covered and save
Maintaining your coverage consistently helps prevent rate increases and keeps you eligible for cheaper car insurance over time.
Options for every driver
From affordable liability-only plans for older cars to flexible pay-as-you-go coverage, OCHO helps you stay insured your way.
Top ways to get affordable car insurance quotes online
- Get your insurance with OCHO. We automatically compare final quotes from multiple insurers to find the best rates for your coverage. Plus, our flexible payment options can help you stay covered without breaking the bank.
- What do you need? Everyone values different things in a policy. You might prioritize a company with excellent customer service and a seamless mobile app, while someone else might focus on discounts. Only you know what matters most.
- Shop around. Compare quotes from at least three insurers each year. Rates change regularly, so the company that offered the cheapest policy last year might not be the best deal now.
- Ask for discounts. Many drivers miss out on savings. Common discounts include insuring multiple cars on one policy, having a good student driver in the household, or installing safety features in your vehicle. If you buy your insurance from OCHO, we will always make sure we get all available discounts for you.
- Raise your deductibles. Higher deductibles mean you pay more out of pocket after a claim, but your monthly premium can drop. Just make sure you have enough set aside to cover the deductible if you ever need it.
- Improve your driving habits. Traffic violations like accidents, speeding tickets, or DUIs can affect rates for years. Defensive driving courses can earn you discounts and help you stay safer on the road.
- Reconsider your vehicle. The type of car you drive impacts your insurance costs. Vehicles with high safety ratings or lower repair costs usually come with cheaper premiums.
- Maintain your coverage. Insurance companies can increase your premium amount if you have a history of cancellations. That’s why with OCHO, we help you keep your coverage by giving you a payment plan you can actually manage, and payment extensions when you need a bit more time to pay. That’s why OCHO is the best insurance for drivers with previous lapses in coverage.
- Stay with OCHO. If you stay with us, you don’t even pay a down payment on your second policy! Your policy will be automatically divided up into nice, manageable installments.
- Choose autopay. Setting up automatic payments for your car insurance can help you save anywhere from 1% to 15% on your premiums, making it easier to afford cheap car insurance. Many insurers, including Liberty Mutual, State Farm, and Progressive, offer higher discounts when payments are made directly from a bank account. Even smaller discounts of 3% to 5% can add up over time, especially when combined with other savings like paperless billing or bundling policies. Beyond the money saved, autopay helps you avoid late fees, maintain consistent payments, and even protect your credit score. For drivers looking to keep costs down and simplify their billing, enrolling in autopay is an easy way to get affordable car insurance while staying on top of payments.
What Drivers Are Saying on Reddit
Scroll through Reddit and you’ll see it everywhere: drivers struggling to find affordable car insurance, especially if they’ve had a policy canceled, are just starting out, or are considered high-risk. The biggest hurdle? That steep down payment just to get covered often puts insurance out of reach for those who need it most.
That’s what OCHO delivers: low down payments, budget-friendly monthly plans, and a way to stay protected behind the wheel.
Reddit User Tips for Finding Cheaper Car Insurance
- Shop Around: Get quotes from multiple companies to compare rates. "The only thing you can do is just shop around and check if its cheaper somewhere else."
- Consider an Independent Agent: They can help you find the best deals from multiple insurers. "Talk to an independent agent who can get quotes from multiple issuers and knows how to get the best rates."
- Check for Discounts: Look for discounts based on your occupation, driving history, or other factors. "Also look into any alumni or corporate discounts you might be eligible for."
- Adjust Coverage and Deductible: Consider higher deductibles or reducing coverage if appropriate for your situation. "You can increase your deductible to help bring the monthly balance down, but, make sure sure it’s amount you can still pay if/when needed."
- Bundle Policies: Bundling car insurance with other types of insurance, like homeowners or renters, can often lower your overall cost. "Also, bundle if you can, homeowner's is a big %, but renters insurance can still give you a discount."
How to lower my car insurance rates
Lowering your car insurance rate is easier than you might think if you know where to focus. Here are the most effective strategies:
Compare multiple quotes
Rates vary widely by insurer, so getting quotes from several companies helps you find the best deal. OCHO does this automatically with PriceCheck, showing the final prices upfront.
Ask about discounts
Many drivers miss out on savings. Common discounts include multi-car policies, good student discounts, safety features, defensive driving courses, and loyalty rewards.
Raise your deductibles
Higher deductibles lower your monthly premium, but make sure you have enough set aside to cover it if you need to file a claim.
Maintain a clean driving record
Accidents, speeding tickets, and DUIs can raise rates for years. Practicing safe driving and taking defensive driving courses can reduce your costs over time.
Choose your vehicle wisely
Cars with smaller engines, strong safety features, or lower repair costs typically come with cheaper insurance.
Use flexible payment plans
Paying through OCHO’s low monthly payment plans or pay-as-you-go options can help manage costs without lapses that could increase rates.
The key is to stay covered, compare options, and take advantage of every discount and flexible payment option available. With OCHO, you can find affordable car insurance without compromising coverage.
How Car Insurance Discounts Can Save You Money
Car insurance discounts generally fall into five main categories: driver type, driving history, vehicle-related, occupation, and policy-related. Knowing these categories can help you see which discounts might apply to your situation.
🚘 Driver-based discounts focus on your personal characteristics. These often include age-based discounts, student discounts, military discounts, and senior discounts. Many of these apply automatically once you meet the requirements.
🚘 Driving history discounts reward safe behavior behind the wheel. Accident-free periods, defensive driving courses, and a clean driving record often qualify for some of the biggest savings.
🚘 Vehicle-related discounts depend on the type of car you drive and its safety features. Modern cars with advanced safety systems, anti-theft devices, or other security features often qualify for these reductions.
🚘 Occupation-based discounts recognize that certain professions have lower accident rates or are considered lower risk by insurers.
🚘 Policy-related discounts are based on how you structure and manage your coverage. Examples include multi-policy bundling, insuring multiple vehicles, preferred payment methods, and loyalty rewards.
Extra OCHO Discounts
- Refer a Friend: When you refer a friend and they purchase a policy, you’ll get $20 off your own policy. You can refer as many friends as you like and keep saving!
- Video Testimonial: Share an honest video review of your experience with OCHO, and we’ll give you $20 as a thank-you.
These discounts are just a little extra way OCHO helps you save while spreading the word about affordable, flexible car insurance.
With OCHO, pay-as-you-go insurance isn’t a gamble. It’s a smarter, more sustainable way to stay insured and save. Our approach removes the stress, unpredictability, and invasiveness of other models, delivering affordable coverage tailored to your long-term goals.
Finding low-cost car insurance has never been simpler
With OCHO, you don't have to sacrifice quality for a low-cost car insurance policy. We work hard to make sure cheap car insurance only describes your auto insurance quote and not the quality of service or your experience as a policyholder. See why so many drivers are making the switch and get a free car insurance quote today!
Frequently Asked Questions About Cheap Auto Insurance
Car insurance prices are increasing due to things you can control, and some you can’t. Inflation, higher repair costs for modern vehicles, more extreme weather events, and lack of regulation from the government has caused insurance premiums to increase by 56% in the past five years. Car insurance costs are also influenced by factors like your driving history, location, age, vehicle type, and credit score. You can lower your rates by comparing quotes, asking for discounts, raising deductibles, improving driving habits, and choosing coverage that fits your needs. OCHO also helps by offering low down payments and flexible payment plans.
At OCHO! We are the only car insurance agency on the planet that finances your car insurance down payment, interest-free. You will either qualify for no deposit car insurance, or a much lower down payment than you normally would pay.
Let’s put it like this, the cheapest car insurance is the one you can actually afford. Rates depend on your location, driving record, and coverage needs. OCHO doesn’t set insurance prices, but what we can do is help you pay for it. We help you find our cheapest rate, finance the down payment, give you an affordable payment plan and give you more time to pay when you need it.
Low-cost car insurance makes it easier to stay protected without straining your budget. With OCHO, cheap doesn’t mean low quality, you still get coverage that meets legal requirements, access to support, and flexible payment options.
The main risk is choosing coverage that’s too limited. Minimum coverage might not fully protect you in serious accidents. OCHO helps you find affordable policies that still provide the protection you need.
OCHO combines price comparisons, low down payments, flexible plans, and extra discounts to lower costs. We also offer innovative features like automatic price checks and reduced broker fees at renewal, so your policy stays affordable over time.
Cars with smaller engines, good safety ratings, and anti-theft features typically cost less to insure. Sporty cars or vehicles with high repair costs often carry higher premiums.
Insurance rates usually drop after age 25, but younger drivers with safe driving records may see reductions earlier. Rates may increase slightly again in your 70s.
Minimum coverage meets state requirements but may not fully protect you in a serious accident. Consider additional coverage to avoid out-of-pocket expenses.
Factors include a clean driving record, bundling policies, higher deductibles, vehicle safety features, age, credit score, and available discounts.
Shop around, compare quotes, ask about discounts, choose an affordable vehicle, and consider flexible payment options. OCHO automates this process and helps you access low rates with trusted insurers.
Economy cars, compact sedans, and vehicles with strong safety features are typically the cheapest. Luxury or high-performance cars often cost more.
Look for a balance of price, coverage, and service. Compare multiple insurers, check reviews, and ensure the policy covers your needs. OCHO makes this easy by showing final prices upfront.
Yes, but you’ll need a licensed driver listed on the policy as the primary driver. You can apply for insurance without a license, but you will get charged more by the insurance company.
Getting into an accident can make car insurance rates spike, but there are ways to find affordable coverage even afterward:
- Compare multiple insurers: Rates vary widely, especially after an accident. Use tools like OCHO’s PriceCheck to see final prices from multiple insurers automatically.
- Look for accident forgiveness: Some companies won’t raise your rates after your first accident, which can save you money.
- Raise your deductibles: Higher deductibles can lower your premium — just make sure you can cover the amount if you need to file a claim.
- Ask about discounts: Many discounts still apply, including multi-policy, good driver, or safety feature discounts.
- Maintain a clean record moving forward: Avoiding tickets or further accidents over the next few years helps your rates gradually return to normal.
- Consider flexible payment plans: Paying with OCHO allows you to stay covered without paying everything upfront, which can ease financial strain after an accident.