The easiest, most affordable way to get car insurance from your phone. We cover your down payment interest-free—so you get insurance today with flexible payments that fit your life.

OCHO uses powerful technology to make cheap car insurance a reality. Our smart app finds you the best quotes in minutes, covers your down payment, and sets you up with a payment plan designed around your payday. Plus, you can manage everything right from your phone: no paperwork, no long phone calls, no stress. Experience the power of smarter insurance. Download the OCHO app today.

WHY CHOOSE OCHO?
- 0 Down Options: Some customers qualify for no-deposit coverage, everyone else gets a much lower down payment.
- Drive Now, Pay Over Time: We give you a custom flexible payment plan.
- More Time to Pay – Need extra days? No problem! Plus no late fees, ever.
- Instant Proof of Insurance – Get covered the same day.
- OCHO PriceCheck: Our unique tool checks your final price for you, to make sure you’re getting our cheapest quote. 58% of our customers save $600!
- Boost Your Credit – On-time payments can help build your credit score.*

WHAT OUR CUSTOMERS HAVE TO SAY:

“Totally legit and you don’t have to put any money down and they give your proof of insurance the same day.” Gloria K., Springfield, IL

“They were really great and got me back on the road for 0 down. I would definitely recommend OCHO to anyone.” Thor Seth

“Love it. Helped with the down payment. Which is always too much to put down for car insurance. As a single mom I did not have to worry between down payment for car insurance and groceries for my children.” Addierene H., Gainesville, GA

HOW DOES OCHO WORK?
Say goodbye to big down payments and car insurance cancellations! We help finance your auto insurance at no extra cost, so you deal with us—not the insurance company. Enjoy lower or no down payments, flexible split payments, and choose your payment dates. Plus, we offer extra time to pay when needed, so you can stay insured. Break the cycle and pay with OCHO today! We make insurance shopping stress-free.

WE CURRENTLY OPERATE IN: Arizona, Texas, Illinois, Georgia, Missouri, New Mexico, Washington State, Wisconsin.

ABOUT US
Launched in 2021, OCHO’s mission is to revolutionize car insurance for hardworking people across the USA. Built by immigrants to help you beat the system, we offer more than just coverage—our policies are a pathway to financial resilience, giving you the breathing room you deserve.

APP FEATURES YOU’LL LOVE:
Find and compare auto insurance in minutes with our easy to use platform.
Get your credit score for free.
Select payments dates that fit in with your payday.
Download your policy documents instantly.
Request a payment extension if you need more days to pay.
Manage your payments and policy from your dashboard.

CURRENT INSURANCE COMPANIES WE WORK WITH: Progressive, Dairyland, Gainsco, National General, First Acceptance, Founders, Falcon, Aspire, Kemper Auto, Embark, Infinity, The General, Excepsure, Assurance America, Bridger, Bristol West, Unique Insurance Company, Clearcover.

Looking for an app like Hugo Insurance? At OCHO, we do things differently. Hugo insurance offers pay-as-you-go insurance, which can leave you with risky gaps in coverage that may lead to you not having coverage and more expensive rates. With OCHO, you get continuous coverage and flexible payment plans—keeping you protected without the worry.

We are NOT a payday loan service, cash loan, personal loan app, or a platform for borrowing money. We don’t use telematics.

Companies we are not affiliated with: The Lemonade, The Zebra, Root Insurance, Freeway Insurance, Direct Auto, Elephant Insurance, OTTO Insurance, All State, Safe Auto, Esurance, Nationwide, Gainsco Insurance, Geico Insurance, Go Auto Insurance, Liberty Mutual, AAA Insurance, USAA Insurance, State Farm, Fred Loya Insurance.

Learn more at www.ocho.co