We're pioneering a new standard in insurance

Welcome to OCHO

Founded on the principle of A Fair Start® for all, our mission is to revolutionize car insurance for hardworking people across the USA.

We offer financing to make auto insurance affordable. That means we can offer lower or even $0 down down payments, split payments, more time to pay and build your credit score.

More than just coverage — our policies are a pathway to financial resilience, giving you the breathing room you deserve.

When you choose OCHO, you’re not just buying insurance; you’re joining a movement toward a fairer future. Together, we can drive change, one policy at a time.

Currently serving  AZ, IL, TX, and WI, with rapid expansion underway. Check back soon to see if we’re in your area!

Our Story

OCHO was brought to life in 2021 by three dedicated entrepreneurs, Jaime Gutierrez, Akshay Buradkar, and Lulu Luchaire. Our founders united over a shared vision to challenge and change the financial hardships many face in the USA. With over 50 years of collective experience serving low-income communities, they’ve paved the way for a service that’s not just needed - it’s essential.

Our Impact

applications and counting
average amount our customers save
customers choose our financing option, OCHO Pay
4 out of 5
customers renew with OCHO after their first policy

Our Team

Meet the dedicated team behind our success.

Jaime Gutierrez
Cofundador y Director Ejecutivo
Lulu Luchaire
Cofundadora y Directora de Marketing
Akshay Buradkar
Cofundador y Director de Tecnología
Kevin Kang
Ciencia de Datos
Jennifer McTiernan
Fred Hippo
Gabriel Chan-Zhang
Mark Cochran
VP de Ingeniería
César Guadarrama
Brenno Cantelli
Chantal Bennett
Andres Gutierrez

Our Investors

Finally, car insurance you can afford.
Start your OCHO journey today.
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