OCHO Auto Insurance: User Reviews and Quotes (2025)

OCHO is a fairly new entrant in the car insurance marketplace — the company launched in 2021. OCHO is a car insurance agency that works with insurance companies to underwrite policies. What makes the company unique is that it addresses a significant and common obstacle to getting coverage: the need to make a large down payment to initiate a policy.

OCHO claims it lowers down payments for 100% of its customers and saves shoppers $250, on average.1 While the prospect of not having to make a big down payment to obtain insurance may have broad appeal, OCHO is currently available in only a handful of states.

Let’s take a deeper look at OCHO, how it works, and whether it’s right for you.

OCHO at a glance

OCHO’s defining difference is its OCHO Pay product, which provides zero-interest loans to help drivers cover the cost of a down payment.

Auto insurance companies typically either charge drivers a down payment to start a policy or require the first month’s payment up front. These down payments can vary significantly among drivers and from company to company, as many factors affect car insurance quotes. Drivers with poor credit or multiple violations on their driving records may face very large down payments.

OCHO is currently available in Arizona, Illinois, Missouri, New Mexico, Texas, Washington, and Wisconsin. A company representative says OCHO expects to extend into Georgia and California by the end of 2024.

OCHO offers two policy types: OCHO Plus and OCHO Plus with Comp & Collision. OCHO Plus is the agency’s basic insurance package, and it includes liability coverage, uninsured motorist coverage, and medical payments coverage. The Comp & Collision package adds comprehensive and collision coverages.2

OCHO pros and cons

Before getting a policy through OCHO, consider some of its pros and cons.

How does OCHO work?

Like other online agencies or comparison websites, OCHO partners with insurers to help drivers compare quotes from multiple car insurance companies. OCHO’s quoting process starts out much like any other insurer’s or comparison site’s by asking for a driver’s ZIP code.

Next, drivers must enter basic information like:

• Their age

• Vehicle make, model, and year

• Marital status

• Number of miles driven per year

• Gender: OCHO provides male, female, and nonbinary/other options

• Any accidents or tickets from the past three years

Based on the information you provide, OCHO generates a list of initial auto insurance quotes from companies such as Infinity (a Kemper company), First Acceptance, Bristol West, GAINSCO, and AssuranceAmerica. It’s worth noting that these insurers are “non-standard” — meaning they cater to drivers who have difficulty finding coverage due to credit or driving history issues.3

Once you choose an insurer, OCHO asks additional simple questions to help refine your quotes. While actual premiums can change from the beginning of the process to the end, the quotes from the second set are nearly final, OCHO says.

Insurify tested OCHO using two driver profiles: a 56-year-old male driver seeking full coverage for a midsize 2-year-old SUV and a 25-year-old single female driver seeking full coverage for a midsize sporty SUV. Both drivers have clean driving records and live in Texas.

For both drivers, the initial quotes were high compared to industry averages. For example, our male driver received a quote of $151 every two weeks — $302 per month. By comparison, the average cost of full coverage for drivers in their 50s with clean driving records is $165 per month, according to Insurify data.

We didn’t continue to a second set of quotes for either driver because OCHO requires you to provide either your Social Security number or an Individual Taxpayer Identification Number (ITIN) to receive final quotes.

How OCHO Pay works

While many other websites can help you see and compare car insurance quotes, OCHO stands out for its ability to help drivers buy a policy without a very large down payment. OCHO provides drivers with a 0% APR loan to help cover the cost of their down payment. Policyholders then repay the interest-free loan, and an $80 broker fee, in small increments every two weeks as part of their regular premium payment.

OCHO reviews: What real customers are saying

Because it’s new in the market, OCHO doesn’t have any customer reviews on Trustpilot. Insurance industry rating company AM Best doesn’t rate OCHO, and J.D. Power doesn’t include the agency in its industry rankings.

To get an idea of OCHO’s performance, you’ll need to turn to Google Play and the Apple App Store, where reviews are generally positive. On Google, OCHO has 4.4 stars from 11 reviews that are mostly positive. Multiple reviewers praise the small or zero down payment they received.

In the App Store, OCHO has 4.7 out of 5 stars, and most of its 124 ratings give five stars.

But some recent App Store reviewers report unsatisfactory experiences with customer service and the app’s performance.

Is OCHO a legitimate site?

Yes, OCHO is a legitimate site and mobile app operated by OCHO Insurance Solutions LLC. The California-based company is licensed to sell insurance in Arizona, Illinois, Missouri, New Mexico, Texas, Washington, and Wisconsin.

After using the site to request preliminary quotes, we didn’t receive any spam emails from OCHO or any third parties. We did receive text messages from OCHO inviting us to finalize our quotes, but opting out was easy.

OCHO Insurance FAQs