Welcome to OCHO

Founded on the principle of A Fair Start® for all, our mission is to revolutionize car insurance for hardworking people across the USA.

We offer financing to make auto insurance affordable. That means we can offer lower or even $0 down down payments, split payments, more time to pay and build your credit score.

More than just coverage — our policies are a pathway to financial resilience, giving you the breathing room you deserve.

When you choose OCHO, you’re not just buying insurance; you’re joining a movement toward a fairer future. Together, we can drive change, one policy at a time.

Currently serving  AZ, GA, IL, MO, NM, TX, WI and WA, with rapid expansion underway. Check back soon to see if we’re in your area!