# OCHO Affordable Car Insurance — user reviews > 78 indexed App Store user reviews of OCHO Affordable Car Insurance by Ocho Holdings Co., rated 4.70/5 from 1,370 ratings. - Source: https://appshunter.io/ios/app/ocho-affordable-car-insurance/id6446600486/reviews - App overview in markdown: https://appshunter.io/ios/app/ocho-affordable-car-insurance/id6446600486.md - Rating breakdown: 5★ 1,235 · 4★ 43 · 3★ 10 · 2★ 11 · 1★ 71 ## 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 ## Newest reviews (11 of 78) ### 3/5 — Nice pay out option but! *2026-04-26, version 0.178.1* It’s nice to have the pay out in installments option but anytime you need more time to pay it’s like we’re gonna cancel your insurance even with only moving a few days . I will probably just pay my next policy myself since I won’t cancel myself ### 1/5 — Waist of time *2026-03-16, version 0.173.4* Got my info and didn’t give me a quote ### 1/5 — Predatory Company *2026-03-13, version 0.173.0* I cancelled my policy (so I thought), but they are forcing me to pay despite me telling them I had coverage elsewhere. I would avoid this company at all costs, unless you don’t have any other choice. ### 1/5 — 0/10 *2026-03-09, version 0.171.0* Ocho is ok until you cancel. After cancellation, they continuously charge the card after the policy is cancelled. If I could rate 0 stars I would! ### 1/5 — Not worth it, no ID card or proof of insurance card *2026-02-24, version 0.164.1* I just purchased insurance from Ochoa, there’s no way to get a copy of proof I’d card. Response is very slow? I still don’t have an ID proof of insurance card from them. I would not recommend this company because of this issue? ### 1/5 — Why? *2026-01-26, version 0.159.7* Why is it so hard to get in contact with a human? ### 1/5 — Ocho *2026-01-16, version 0.159.7* This company is a fraud I paid for a policy said they were finna send my documents in a hour and never did tried calling and they never answer ### 1/5 — Find insurance elsewhere *2026-01-14, version 0.159.7* Don’t waste your time getting insurance with these companies. I recently got insurance from them. I needed my declaration page to my insurance for my lien holder. What should’ve been simple turned into me waiting almost 6 days. With no response or assistance. I had to turn them into the better business bureau ### 1/5 — Worst insurance provider *2026-01-09, version 0.159.7* Horrible customer service changes takes forever to change I’ve been waiting for 4 hrs just to add a driver if you can please get with a real insurance company cause these people will take up a whole day just to press a button ### 1/5 — do not use *2025-12-22, version 0.159.4* made for illegals ### 2/5 — Call center *2025-11-10, version 0.155.8* Very poor as waiting too long to get live agent I do need speak but I been on phone holding too long twice so far ## Most critical reviews (10 lowest-rated) ### 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! ### 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, version 0.196.0* 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. ### 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. ### 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 ### 1/5 — Customer service and App suck *2026-05-26, version 0.185.2* It gives you the option to change your payment date if you’re unable to pay on a certain day, but even after changing the date, you still start receiving emails and text messages saying your policy is going to be canceled. Then, when you try to update your information, you either have to pay an extra $25 fee or the app simply doesn’t work properly. Then you call customer service and at times they give you someone whose English isn’t clear or understandable. ### 1/5 — Fraud *2026-04-13, version 0.178.1* This is a fake insurance company it’s fraud I paid 90$ to start my policy they took my money and I’m out 90$ and still no insurance and they don’t know what the word refund means apparently Tris to text an agent ## Most praised reviews (10 highest-rated) ### 5/5 — Fast Easy Economical *2026-08-21, version 0.202.0* I needed coverage for a new car purchase and they took care of me ### 5/5 — Very unprofessional *2026-07-23, version 0.196.0* I wouldn’t recommend!! I paid for my insurance renewal and it took two weeks before they insured my vehicles… never again ### 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…. ### 5/5 — OCHO review *2026-03-17, version 0.173.4* They are the most flexible insurance company ever. Better apply. This company is very helpful. ### 5/5 — Worth checking out *2026-03-14, version 0.173.0* Love this app every other company wanted a huge deposit to stat my policy OCHO let me start my policy with 0 down and very low payments on my paydays!! ### 5/5 — The best *2026-01-09, version 0.159.7* Cheap prices great service honestly the app easy to use ### 5/5 — I'm In Luvvv 😍 *2026-01-03, version 0.159.7* Nevaah could haave maade iit.. wiithout youuuu. Thank you so so much for making a difference. Because of OCHO I'm able to make the moves I need to keep living. To the Individual who thought of this brilliant idea to the whole team who became apart of it. You all are a Blessing. Thank You I recommend. ### 5/5 — Super easy to use *2025-11-13, version 0.155.9* Found great deals other brokers couldn’t handled everything without an agent and I could do it myself, very happy with this service. ### 5/5 — Wonderful app *2025-10-03, version 0.149.1* This is the best thing since chocolate milk ### 5/5 — Muy buena *2025-09-18, version 0.147.0* Rapido y fácil para conseguir un contracto con ellos --- *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 2026-09-07.*