OCHO Auto Insurance Review for 2025 (Legit Insurance Quotes?)
Our OCHO auto insurance review highlights why OCHO.co is among the leading online comparison platforms. OCHO quote tools help drivers find cheap no-down-payment auto insurance with 0% APR and flexible premium grace periods. However, it earns a 2.8 out of 5 for quote times that can take up to ten minutes.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: May 18, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 18, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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If you’re looking to save on car insurance without losing coverage, this OCHO review highlights how to get no-deposit auto insurance and free online quotes.
OCHO.co Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 2.8 |
| Customer Support | 2.4 |
| Discount Clarity | 2.8 |
| Ease of Use | 2.8 |
| Educational Resources | 2.3 |
| Provider Network | 3.8 |
| Quote Accuracy | 2.5 |
| Quote Speed | 2.7 |
| Savings Potential | 2.7 |
OCHO.co has good reviews on Trustpilot for helping drivers find car insurance with no down payments and flexible premiums, but its quote speed and customer service response times are slower than other comparison sites.
- OCHO auto insurance reviews are A+ with BBB and 3.7/5 on TrustPilot
- Real-time quotes and credit tools make OCHO ideal for self-employed drivers
- It can take up to 10 minutes to get OCHO quotes online
AutoInsurance.org is where to compare auto insurance rates from over 50 top-rated partners, with $540 savings and 98% satisfaction.
Use our free comparison tool to get real-time quotes in under two minutes, with up to 40% more savings and 25% more coverage options. Enter your ZIP code to get started.
How To Get Insurance Quotes on OCHO.co
Getting a quote through OCHO.co is quick, simple, and built to fit your budget. It connects you with top providers and streamlines the process of comparing online auto insurance companies.
OCHO Auto Insurance Comparison Overview
| Details | |
|---|---|
| Real-Time Quotes | Yes |
| Average Quote Time | 2–10 minutes |
| Insurance Types Compared | Car (Liability, Comprehensive, Collision) |
| Providers Compared | 15–20+ |
| Shares Contact Info | Yes |
| Customer Support | Phone, email, and live chat support |
| Platform Focus | Car insurance with flexible financing options |
OCHO Holdings Co. acts as an insurance broker and delivers instant quotes from leading insurance companies via the its quote tool.
Shoppers can buy auto insurance online instantly through the OCHO.co website, and it also provides 0% APR financing for the down payment, so drivers can find quality coverage without a hefty starting fee. Here’s how to get OCHO quotes:
- Enter Your ZIP Code: On the homepage, enter your ZIP code to compare coverage options and generate a custom quote from OCHO based on your needs, location, and driving history.
- Provide Vehicle & Driver Details: Fill out basic information about your car, driving history, and coverage preferences. This helps OCHO match you with the best policies.
- View and Compare Quotes: OCHO searches offers from multiple insurers and displays real-time quotes to compare rates and coverage levels easily.
- Choose the Right Policy: Pick the quote that fits your needs and budget. OCHO ensures transparency by showing prices directly from their insurance partners.
- Apply For Payment Financing: Once you select your policy, OCHO covers the upfront cost with a 0% APR loan to get insured immediately without a large down payment.
It compares 15–20+ providers at once, but it can take up to 10 minutes to get quotes. The process does speed up a little with the OCHO app, but other online insurance comparison sites find quotes much faster.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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OCHO Insurance Review Ratings and Customer Experience
When comparing third-party customer ratings, OCHO holds its own against more established platforms like Insurify and NerdWallet, particularly on TrustPilot, where it boasts an impressive 3.7/5 rating. However, that is from just one review compared to the thousands of users on other sites.
OCHO Auto Insurance Review: Third-Party Customer Ratings vs. Top Competitors
| Review Platform | |  |  |
|---|---|---|---|
 | 4.7 / 5 500+ reviews | 3.4 / 5 141 reviews | 4.8 / 5 115k+ reviews |
 | A+ | A+ | A+ |
 | NA | 3.8 / 5 130+ reviews | 4.5 / 5 29.9k reviews |
 | 4.2 / 5 150+ reviews | 3.4 / 5 141 reviews | 4.0 / 5 |
 | 3.7 / 5 1 review | 4.7 / 5 2k+ reviews | 3.7 / 5 3k+ reviews |
Despite fewer review sources, OCHO’s strong Trustpilot score indicates high customer satisfaction, especially for a newer platform focused on affordability and financing.
A Facebook user, Sylvester Rosario, recommends OCHO as an auto insurance broker that makes it easy to get insured with no down payment and helps build credit.
He found an affordable policy and suggests OCHO is a great option for those looking for the best companies for credit-based auto insurance.
OCHO.co vs. Insurify vs. NerdWallet Insurance Comparison
OCHO, Insurify, and NerdWallet each offer distinct advantages, but OCHO stands out with a 58% savings potential and a high 96% customer satisfaction rate. The OCHO Financial 0% APR down payment financing also adds unique value for budget-conscious users.
OCHO Auto Insurance Review: Top Comparison Sites by Savings & Satisfaction
| Feature | | | |
|---|---|---|---|
| Savings Potential | 58% | 50% | 20% |
| Monthly Savings | $50 | $85 | $25 |
| Fastest Quote Time | up to 10 minutes | up to 5 minutes | up to 5 minutes |
| Providers Compared | 15–20+ | 100+ | 700+ |
| Customer Satisfaction | 96% | 96% | 89% |
Insurify delivers the highest average monthly savings at $85 and access to over 100 providers. NerdWallet offers the broadest network with 700+ providers, but lags with a 20% savings potential, $25 monthly savings, and an 89% satisfaction rate. Learn more in our NerdWallet review.
OCHO.co vs. AutoInsurance.org Insurance Comparison
AutoInsurance.org combines speed and savings with extensive coverage options. We deliver quotes in under two minutes and save users an average of $540 per year on full coverage.
AutoInsurance.org makes comparing different types of auto insurance more manageable, helping drivers maximize value and minimize effort.
OCHO Auto Insurance Comparison: Pros And Cons
OCHO quote tools and rewards are designed to help make auto insurance policies more affordable, flexible, and credit-friendly. Here’s what sets OCHO apart:
- PriceCheck: While traditional platforms display initial estimates only, PriceCheck allows you to compare two insurers’ final, accurate quotes, so you know you’re getting the best value without any surprises.
- OCHO Pay: OCHO Pay helps you start coverage with $0 down and splits the cost into 12 interest-free payments aligned with your paycheck. It offers extended grace periods, and on-time payments are reported to credit bureaus, allowing you to build or improve your credit score.
- Easy-to-Use Dashboard: OCHO’s intuitive interface and helpful educational tools and resources make managing finances and planning for the future straightforward and accessible.
OCHO.co caters specifically to freelancers, gig workers, and entrepreneurs, with tools built to get free online auto insurance quotes that fit their unique financial needs. It helps bridge the gap between self-employment and long-term financial stability, making it a valuable resource for those managing finances independently.
OCHO Pay offers flexible, interest-free payments, but users should check state availability since eligibility details aren’t clearly listed in the content.Tonya Sisler Insurance Content Team Lead
However, it may not fully meet the needs of traditional employees who rely on employer-sponsored benefits or want a broader range of financial products. Therefore, those with W-2 jobs may find it less relevant. Other downsides are:
- Narrower Product Range: It offers fewer traditional financial services, which may not suit insurance shoppers looking for a full-service financial platform.
- Fewer Professional Ratings: Limited brand recognition compared to major financial platforms like Insurify or NerdWallet.
Whether you’re a first-time shopper or in the market for more coverage, OCHO’s slick, tech-based, customer-first style fits shoppers who need auto insurance quickly. Call the OCHO insurance customer service helpline directly for help.
Get Instant Insurance Quotes and Deals With OCHO.co
In this OCHO auto insurance review, the platform is a strong choice for self-employed individuals and cost-conscious drivers. Users can compare quotes for cheap auto insurance with no down payment, and free tools like OCHO Pay and PriceCheck help users save money and avoid price hike surprises.
While it lacks broad financial products and may not suit traditional employees, the OCHO Company General Partnership stands out for those looking to find affordable auto insurance rates online with flexible, user-focused solutions.
AutoInsurance.org lets you compare quotes from 60+ top insurers, saving users an average of $540 annually with a 98% satisfaction rate. Enter your ZIP code to see if you can get a better deal.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
Who are the Founders of OCHO.co?
The founders of OCHO are Lulu Luchaire, Akshay Buradkar, and Jaime Gutierrez.
What do customers say about OCHO insurance quote accuracy?
Users frequently praise OCHO.co for providing accurate, final quotes with minimal price surprises. Tools like PriceCheck allow them to compare real-time rates and avoid the bait-and-switch common with other platforms.
Still searching for the best rate? Use our free comparison tool. How does AutoInsurance.org help users save on coverage? We deliver 40% more savings and 25% more coverage options per user.
How does OCHO work with insurance providers?
OCHO is a licensed insurance agency that partners with multiple top-rated carriers to provide auto insurance for different types of drivers. It searches real-time quotes and presents policy options so users can compare and choose what fits best.
Does OCHO offer support for non-traditional workers?
OCHO was built with freelancers, gig workers, and self-employed individuals in mind, offering flexible payment plans and financial tools designed for independent earners, but it can help anyone find cheaper auto insurance.
How do you use OCHO Pay for flexible payments?
OCHO Pay makes it easy to pay my auto insurance online in 12 equal, interest-free installments. Payments sync with your paycheck schedule, offering better budget control and avoiding large upfront costs.
Is there a minimum down payment required for OCHO auto insurance?
OCHO car insurance specializes in lowering or eliminating upfront costs. While eligibility varies, many users qualify for $0 down, and others pay an average of just $62, significantly less than the typical 50% down required elsewhere.
What are the most common OCHO complaints from users?
Most OCHO complaints relate to limited provider availability in certain states, delays in processing payments, and occasional miscommunication during the sign-up process. However, many users also note that the company responds quickly to resolve issues.
Does OCHO help build credit?
Yes, along with OCHO affordable car insurance, drivers have tools like OCHO Pay to help them pay on time and build credit. That positive history will lower auto insurance rates over time.
Can I build credit using OCHO Financial services?
Absolutely. When you make on-time payments through OCHO Pay, OCHO Financial reports them to credit bureaus, giving you a chance to improve your credit score while maintaining actServicesrance coverage.
Is the OCHO Insurance phone number the best way to change my payment date?
Yes, calling OCHO toll-free is one of the fastest ways to request changes to your payment schedule or ask about grace period options.
Are there any complaints mentioned in OCHO.co reviews on Reddit?
Some Reddit users note slower processing or limited availability in certain states. Still, many rank OCHO among the best auto insurance apps for its affordability and strong customer support.
How reliable are OCHO.co reviews on BBB compared to other platforms?
OCHO.co reviews on BBB are fewer than those on Trustpilot or Google, making it harder to gauge overall sentiment.
Can I get auto insurance through the OCHO agency with no down payment?
Yes, OCHO offers $0 down payment options for eligible users through its 0% APR financing. Even if you don’t qualify for $0 down, most users pay significantly less upfront than with other providers.
Is the OCHO available in all states?
OCHO operates in multiple states, but availability depends on state licensing and local regulations. You can check your state’s eligibility on OCHO’s license page. Since coverage and rates can vary, it’s another reason why you should get multiple auto insurance quotes before committing to a policy.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.