# OCHO Affordable Car Insurance — Flexible payment car insurance > Affordable, flexible car insurance with no-down-payment options and pay-over-time plans. (iPhone/iPad app by Ocho Holdings Co..) - Source: https://appshunter.io/ios/app/ocho-affordable-car-insurance/id6446600486 (this page in markdown: same URL + `.md`) - Developer: [Ocho Holdings Co.](https://appshunter.io/developer/1678350804) - Category: Finance, Shopping - Price: Free - Rating: 4.70/5 from 1,370 App Store ratings · 77 written reviews indexed - Age rating: 17+ - Requires: iOS 16.4 · 92 MB - Languages: American English - Released: 2023-04-10 - Data updated: 2026-09-02 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/ocho-affordable-car-insurance/id6446600486/reviews.md ## What is OCHO Affordable Car Insurance? The easiest, most affordable way to get car insurance from your phone. We cover your down payment interest-free—so you get auto insurance coverage 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 ## Key features - Find and compare auto insurance quotes - Low or no down payment options - Flexible payment plans aligned with payday - Instant proof of insurance - Manage policy and payments from phone - Request payment extensions - Free credit score check ## What do users think of OCHO Affordable Car Insurance? Overall sentiment: negative **Pros** - 💰 Affordable prices - 🚀 Quick and easy to use - 🤝 Helpful for those with poor driving history - 🤑 Flexible payment options **Cons** - 🤖 Poor customer service - 🐛 App glitches and bugs - 🕰️ Long wait times to reach a representative - 💳 Overcharging and billing issues - 🚫 Unreliable coverage and policy cancellations **Commonly reported bugs** - Address address verification problems - Fix issues with verification codes not being received - Resolve app freezing and loading problems **Most requested features** - Improve customer support and communication - Fix app stability and reliability issues - Provide more transparent and consistent pricing ## Recent user reviews (10 of 77) All indexed reviews: https://appshunter.io/ios/app/ocho-affordable-car-insurance/id6446600486/reviews.md ### 1/5 — No. Just no. *2026-08-20, version 0.202.0* Just wanted a quote, ended up with a dent in my FICO score because ohco checked my credit without. Telling. Me. That is effed up. ### 1/5 — Predatory JOKE *2026-07-31, version 0.198.5* I genuinely feel bad for anybody who actually buys insurance through OCHO. This is nothing short of predatory. I checked quotes just for the heck of it. Nearly double what Progressive, GEICO, State Farm has quoted me. I near LAUGHED OUT LOUD and promptly deleted the app. This is a classic example of how smooth brained most people are when it comes to financial literacy. I might be in the wrong business! ### 5/5 — Very unprofessional *2026-07-23* I wouldn’t recommend!! I paid for my insurance renewal and it took two weeks before they insured my vehicles… never again **Developer response:** We're sorry for the wait, two weeks to get your vehicles insured after payment is not acceptable and not the experience we want for anyone. We'd like to look into what happened. Please reach out at support@ocho.co or call us at (800) 220-1416. — The OCHO Team ### 1/5 — Legal action pending *2026-07-20, version 0.196.0* To Whom It May Concern: I am formally disputing the current status of my Ocho account and demanding immediate correction of the inaccurate delinquent reporting associated with this account. I obtained coverage solely for the purpose of transporting my vehicle to a port and loading it onto a vessel. My requested coverage period was January 14–16. On January 15, after my vehicle had already left, I contacted Ocho customer service by phone and clearly requested that my policy be canceled effective that date. During that communication, I specifically asked whether there would be any fees, penalties, or additional charges for canceling early. I was informed that there would be no additional fees because I had already paid the required $129 initial payment. I relied on the information provided by Ocho’s representative and reasonably expected my cancellation request to be processed. Had I been informed that additional payments would continue or that my account would remain active, I would have taken immediate action. Instead, I was provided inaccurate information and my account was not properly canceled. I have since discovered that Ocho has reported multiple past-due payments on my credit report. This reporting is inaccurate and has negatively impacted my credit profile. I have made multiple attempts to resolve this matter directly with Ocho through both phone and chat support. During these interactions, I was repeatedly advised that a supervisor would contact me once my account was corrected. Despite these assurances, I have not received any written confirmation, phone call, or resolution regarding the correction of my account. I have also been advised that previous representatives allegedly did not document my cancellation request in my account. However, the absence of internal notes does not change the fact that I contacted Ocho on January 15, requested cancellation, and relied on the information provided by your representative. Ocho is responsible for maintaining accurate account records and ensuring that customer requests are properly handled. Most recently, I spoke with Fernanda, Supervisor (Agent ID: 15c09518). Unfortunately, my concerns were not resolved, and I was not provided with a clear resolution or timeline for correcting the inaccurate reporting. At this point, I am not requesting another open-ended investigation. I am demanding immediate correction of my account as follows: Cancel my policy effective January 15, the date I originally requested cancellation. Remove any charges, balances, or fees assessed after January 15. Correct and retract any inaccurate past-due reporting submitted to consumer reporting agencies as a result of this error. Ensure my account no longer reflects delinquent status related to charges that should not have existed. Provide written confirmation that these corrections have been completed. If this matter is not fully resolved within seven (7) calendar days of receipt of this notice, I will proceed with legal action against Ocho to seek any available remedies related to the improper handling of my account, failure to process my cancellation request, and the resulting inaccurate credit reporting. I will also file complaints with the appropriate consumer protection and regulatory agencies, including the Better Business Bureau, Consumer Financial Protection Bureau, and applicable insurance regulatory authorities. I have made every reasonable effort to resolve this matter directly with Ocho. I now expect prompt corrective action and written confirmation that my account has been properly canceled effective January 15 and that all inaccurate delinquency reporting has been corrected. Do not go with this company. I will see you guys in court ! ### 1/5 — Take your business elsewhere *2026-07-10* Nothing that was offered through this company was more affordable or cheaper than anything offered by others elsewhere. I got quotes from local places for $1300 foot 6 months, and this app gave me quotes for $599 down and total cost up to $5000, for the same coverage. Not only that, but it was asking me to include/exclude cars and people who have never lived at my address. Update: Based on their response, they claim that the prices seen came straight from the companies that offer them. As I already stated, I got offers from other brokers, as well as from many of the companies in question directly for much less. These were confirmed rates using my exact information — just as this broker claims to do. So not only was this broker’s response a lie, but it is also a clear representation of predatory practices. **Developer response:** Hi, thank you for your feedback. OCHO doesn't set insurance prices. The quotes you see come directly from the carriers. Where we make a difference is by reducing the down payment required to start a policy, making car insurance more accessible for everyone. Regarding the vehicles and drivers shown during quoting, this information is pulled from standard industry reports and can be excluded if they don't apply to your household. We're sorry the experience didn't meet your expectations, but we'd love another chance to help. Feel free to reach out at (800) 220-1416. — The OCHO Team ### 1/5 — Take your business elsewhere *2026-06-15, version 0.191.1* Nothing that was offered through this company was more affordable or cheaper than anything offered by others elsewhere. I got quotes from local places for $1300 foot 6 months, and this app gave me quotes for $599 down and total cost up to $5000, for the same coverage. Not only that, but it was asking me to include/exclude cars and people who have never lived at my address. ### 5/5 — Best auto insurance in America……. *2026-06-13, version 0.191.1* It’s easy and they give you more time when funds not great…. ### 1/5 — Great! *2026-06-12, version 0.187.3* The app makes it impossible to remove a car from my list of vehicles, and since I don’t have the vin number of a car I don’t have; I can’t continue with my application and quote. Need to fix that bug if you want business. ### 1/5 — No sirve *2026-06-05, version 0.185.2* Pide toda tu información y a la final no saca ninguna cotización. ### 1/5 — cant delete the account *2026-05-27, version 0.185.2* Wont let me delete account ## Frequently asked questions about OCHO Affordable Car Insurance ### What does OCHO Affordable Car Insurance do? This app provides an easy and affordable way to get car insurance from your phone. It helps you find cheap quotes, covers your down payment interest-free, and offers flexible payment plans that can be adjusted to fit your payday. You can manage your entire policy and payments directly through the app. ### What are the key features of OCHO? Key features include finding and comparing auto insurance quotes in minutes, options for low or no down payments, customizable payment plans that align with your payday, instant proof of insurance, and the ability to manage your policy and payments from your phone. You can also request payment extensions and check your credit score for free. ### How much does OCHO Affordable Car Insurance cost? The app itself is free to download and use. The cost of car insurance will vary based on your individual circumstances and the policy you choose. The app aims to find you the cheapest quotes and offers flexible payment options to make insurance more affordable. ### Is OCHO Affordable Car Insurance available in my state? Currently, OCHO operates in Arizona, Texas, Illinois, Georgia, Missouri, New Mexico, Washington State, and Wisconsin. It is recommended to check the app or their website for the most up-to-date information on service availability in your specific location. ### Who is OCHO Affordable Car Insurance for? This app is designed for individuals looking for more affordable and flexible car insurance options. It is particularly beneficial for those who struggle with large down payments, need more time to pay their premiums, or prefer managing their insurance entirely through a mobile app. ## Version history (last 5 releases) ### 0.202.0 — 2026-08-19 Performance and stability improvements ### 0.198.5 — 2026-07-28 Performance improvements ### 0.198.2 — 2026-07-23 Performance and stability improvements ### 0.196.0 — 2026-07-08 Performance improvements ### 0.195.0 — 2026-07-01 Stability and performance improvements ## Apps similar to OCHO Affordable Car Insurance | App | Rating | Price | Category | | --- | --- | --- | --- | | [Just: Affordable Car Insurance](https://appshunter.io/ios/app/just-affordable-car-insurance/id1471625834) | 4.4 (2,247) | Free | Finance | | [Metromile - Car Insurance](https://appshunter.io/ios/app/metromile-car-insurance/id734641795) | 4.6 (24,200) | Free | Finance | | [HiRoad® Car Insurance](https://appshunter.io/ios/app/hiroad-car-insurance/id1269731942) | 3.7 (279) | Free | Finance | | [Root: Better car insurance](https://appshunter.io/ios/app/root-better-car-insurance/id1021256908) | 4.7 (73,138) | Free | Finance | | [GEICO Mobile - Car Insurance](https://appshunter.io/ios/app/geico-mobile-car-insurance/id331763096) | 4.8 (4,762,849) | Free | Finance | | [Just: Car Insurance Mobile](https://appshunter.io/ios/app/just-car-insurance-mobile/id6446086139) | 4.7 (297) | Free | Finance | ## Related topics [hugo insurance](https://appshunter.io/ios/topics/hugo-insurance) · [hugo](https://appshunter.io/ios/topics/hugo) · [ocho](https://appshunter.io/ios/topics/ocho) · [hugo auto insurance](https://appshunter.io/ios/topics/hugo-auto-insurance) · [ocho affordable car insurance](https://appshunter.io/ios/topics/ocho-affordable-car-insurance) · [the ocho](https://appshunter.io/ios/topics/the-ocho) · [ocho insurance](https://appshunter.io/ios/topics/ocho-insurance) · [car insurance cheapest](https://appshunter.io/ios/topics/car-insurance-cheapest) · [car insurance low](https://appshunter.io/ios/topics/car-insurance-low) · [cheap car insurance rates](https://appshunter.io/ios/topics/cheap-car-insurance-rates) · [ai insurance sales](https://appshunter.io/ios/topics/ai-insurance-sales) · [car insurance cheep](https://appshunter.io/ios/topics/car-insurance-cheep) · [car insurance companies](https://appshunter.io/ios/topics/car-insurance-companies) · [car insurance liability](https://appshunter.io/ios/topics/car-insurance-liability) · [clearcover car insurance](https://appshunter.io/ios/topics/clearcover-car-insurance) · [safeco right track](https://appshunter.io/ios/topics/safeco-right-track) · [insurify car](https://appshunter.io/ios/topics/insurify-car) · [root insurance](https://appshunter.io/ios/topics/root-insurance) · [egert cohen insurance](https://appshunter.io/ios/topics/egert-cohen-insurance) · [ebenefit car life insurance](https://appshunter.io/ios/topics/ebenefit-car-life-insurance) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*