120+ more*Quotes generated for Insurify users within the last 10 days. Last updated on October 9, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 9, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Julia Taliesin is an insurance content writer at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass.
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Hugo is a relatively new car insurance company with a product that’s unique in the auto insurance industry. Hugo offers flexible, short-term car insurance.
You can buy coverage for as little as three days at a time, paying smaller amounts more frequently instead of all at once. Hugo doesn’t require a down payment or up-front fees, and you can activate your policy instantly for fast proof of insurance.
Unfortunately, this car insurance company issues policies in only 16 U.S. states. It sells only two plans: minimum coverage and full coverage. Here’s a closer look at how Hugo car insurance works.
Officially launched in 2021, Hugo offers short-term car insurance and micropayments.
Hugo has an Insurify user review score of 4.5 out of 5, indicating strong customer satisfaction.
The average cost of car insurance from Hugo is $166 per month for liability coverage and $60 for full-coverage insurance.
As of October 2025, Hugo offers two coverage options — Unlimited Basic and Unlimited Full — in 16 states: Alabama, Arizona, Arkansas, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Mississippi, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia.
Hugo’s basic plan meets state-minimum liability insurance coverage requirements, and Hugo’s full plan includes coverage for your vehicle and your passengers.
You can buy coverage for three-day, seven-day, 14-day, 30-day, and six-month periods, adding as little as three days of coverage at a time and paying in “micropayments.” After creating an account, you deposit funds based on the payment schedule you choose.
If your account runs empty, Hugo will extend your coverage for up to three days to give you time to reload. You must request an extension within a week of hitting empty, and once it’s complete, Hugo will charge you for the days covered under the extension.
Besides the brief extension, you only have coverage if your policy is active and you have funds in your account. Failing to maintain coverage could jeopardize your vehicle registration and lead to higher insurance rates the next time you buy coverage. If you choose to cancel coverage, you can easily withdraw the remaining funds for any extra days through the Hugo website.
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $166/mo |
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
Hugo launched in 2021 and is currently the only insurance company offering on-demand car insurance. Drivers can open a Hugo account without paying a down payment up front. Drivers can choose a policy term of three, seven, 14, or 30 days, or six months, and policyholders can pay smaller amounts more frequently instead of all at once. Drivers also receive instant proof of insurance. Hugo currently only offers state-minimum liability coverage in 13 states. J.D. Power and AM Best have not yet evaluated Hugo’s customer satisfaction or financial strength.
Short-term policies
No up-front down payment required
Flexible, pay-as-you-go insurance
Only available in 13 states
Doesn’t offer collision or comprehensive coverage
No discounts available
|  |  |  |
|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $0/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $0/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $138/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $116/mo* |
Overall rating 4.5 | Overall rating 4.1 | Overall rating 3.3 | Overall rating 3.9 |
Value for money 3.6/5 | Value for money 3.7/5 | Value for money 3.3/5 | Value for money 3.8/5 |
Customer service 3.5/5 | Customer service 3.3/5 | Customer service 3.4/5 | Customer service 3.9/5 |
Claims handling 3.4/5 | Claims handling 3.9/5 | Claims handling 3.5/5 | Claims handling 4.1/5 |
Special highlight MicropaymentsAI-generated from 58 user reviews | Special highlight Low-mileage driversAI-generated from 56 user reviews | Special highlight Competitive ratesAI-generated from 7207 user reviews | Special highlight Teen driversAI-generated from 6609 user reviews |
Hugo’s Unlimited Basic plan offers coverage that meets state-minimum liability requirements, and its Unlimited Full plan extends coverage to your vehicle and passengers. It’s the only insurer offering policies as short as three days.
Unlike some pay-per-mile insurers, like Metromile, Hugo doesn’t use a telematics system to monitor your driving behaviors. While telematics programs can help safe drivers save money, policyholders may also experience rate increases for sharp turns or hard braking.
Hugo doesn’t have ratings from industry-rating companies like AM Best, and it has no complaints filed with the National Association of Insurance Commissioners (NAIC).
Factor  | How Hugo Compares |
|---|---|
| Rates | Monthly rates are above the national average, but drivers can split them up with micropayments |
| Customer service | More positive reviews on Trustpilot than many competitors |
| Discounts | Doesn’t offer discounts commonly available from other insurers |
| Availability | Very limited availability compared to competitors — Hugo’s only available in 16 states |
| Financial strength | Difficult to predict — AM Best hasn’t rated Hugo for financial strength |
Insurify’s editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
Insurify rates each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the NAIC, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scored availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Hugo could be a good option if you’re looking for basic liability coverage or full coverage with flexible micropayments or short-term coverage. Liability-only coverage might not be right for many drivers, so make sure you understand which policy you want before purchasing.
Most states require drivers to have minimum coverage to register a car, and Hugo provides rapid proof of insurance. If you want to pay for just a few days and let coverage lapse, keep in mind the state can revoke your registration. Drivers will also likely face a rate increase after any insurance lapse.
If you don’t need the flexibility of micropayments and intend to remain insured for longer periods, you might find better rates with traditional insurers.
Save up to $1,025 annually when you compare rates with Insurify
AM Best, J.D. Power, and the NAIC don’t have ratings or customer complaint information for Hugo, but Insurify has collected reviews from Hugo customers. You can also check sites like Trustpilot and even Reddit to find out what others say about the company.
Drivers describe an easy process and flexible product, and they appreciate the payment options and instant proof of insurance. Some wish Hugo offered full coverage and a smartphone app. A few drivers found the coverage too expensive and reported difficulty contacting a representative by phone.
Hugo has more than 27,550 reviews on Trustpilot and an overall rating of 4.8 stars (out of 5). A noteworthy 89% of those reviews are 5-star, indicating a great experience, and just 2% are 1-star reviews. It’s worth noting that Hugo replies to negative reviews on Trustpilot and attempts to either rectify the complaint or explain what happened to cause the problem.
Here are recent and verified customer reviews that Insurify has collected.
Third-party accreditation organizations like AM Best and J.D. Power have yet to rate Hugo, but other ratings for the company are available.
Rating | Score | What This Means |
|---|---|---|
| IQ Score | 6.3 | An IQ Score of 6.3 is a modest score. Hugo earns this score largely due to its limited availability in only 13 states. |
| Trustpilot | 4.8 stars (out of 5) | An excellent score indicates a high level of reviewer satisfaction. |
| Better Business Bureau (BBB) | Not Rated (NR) | The BBB hasn’t accredited Hugo. |
| Yelp | 1 star (out of 5) | Hugo has only eight reviews on Yelp. All are one-star reviews. |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Hugo’s rates can vary significantly depending on the state where you live and other factors. The average cost of Hugo car insurance is $166 per month for liability and $60 for full coverage, per Insurify data.
That said, drivers with Hugo are likely splitting up that cost into numerous micropayments. For comparison, the national average cost of car insurance is $101 per month for liability and $179 for full coverage.
Hugo’s rates, like those of other companies, vary based on factors like age, gender, location, and driving record. Teenagers and drivers with moving violations like DUIs or at-fault accidents typically pay higher rates, and Hugo’s average quotes reflect that.
The following table illustrates how Hugo’s monthly minimum and full-coverage rates can vary based on driver factors.
Driver | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Drivers with a clean record | $166 | $60 |
| Drivers with a speeding ticket | $245 | $79 |
| Drivers with an at-fault accident | $221 | $69 |
| Drivers with a DUI | $241 | $78 |
| Teen drivers | $294 | $101 |
| Senior drivers | $142 | $36 |
Hugo’s best feature is its flexibility. You can buy and pay for only three days at a time, spreading out the premium into multiple micropayments.
It’s important to note, though, that if your leasing company or lender requires full coverage as part of your leasing or financing agreement, Hugo’s Unlimited Basic plan won’t offer enough coverage.
Here’s how Hugo’s monthly liability-only rates compare to some top competitors.
Location affects car insurance rates significantly because where you live can influence how likely you are to file a claim. For example, if your town has a lot of traffic congestion, you may be more likely to get into an accident.
Here’s how location affects Hugo’s average monthly quotes for liability coverage in some of the states where it’s available.
State | Hugo Average Liability-Only Quote | State Average Liability-Only Quote |
|---|---|---|
| Alabama | $104 | $65 |
| Arizona | $154 | $93 |
| Arkansas | $192 | $84 |
| Florida | $93 | $155 |
| Georgia | $61 | $161 |
| Illinois | $118 | $80 |
| Indiana | $72 | $69 |
| Louisiana | $367 | $107 |
| Mississippi | $168 | $67 |
| Ohio | $58 | $70 |
| Pennsylvania | $40 | $91 |
| South Carolina | $84 | $164 |
| Tennessee | $100 | $68 |
| Texas | $79 | $121 |
| Virginia | $44 | $111 |
*Quotes generated for Insurify users within the last 10 days. Last updated on October 9, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 9, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you’re interested in learning more about Hugo, check out the additional information below.
Yes. Hugo now offers full-coverage insurance policies. Hugo offers two types of policies. The Unlimited Basic meets state-minimum liability insurance requirements, and the Unlimited Full plan includes coverage for your vehicle and passengers.
Yes. Hugo is a legitimate insurance company. It has received positive ratings from customers and has a history of strong customer satisfaction. But Hugo is still a relatively new company and currently only available in 16 states.
It depends. Whether Hugo is worth it for you varies on your circumstances, including your location, driving habits, budget, and insurance needs.
For drivers who could benefit from smaller, flexible payments, Hugo could be a more flexible option. But for drivers who want robust, customizable coverage, Hugo might not be the best fit.
The average monthly cost for Hugo car insurance is $166 for liability-only coverage and $60 for full coverage. Rates vary depending on several factors, including where you live, your driving history, and more.
As a relative newcomer, Hugo doesn’t have the financial stability of insurance giants like GEICO or Nationwide, and industry organizations like AM Best have yet to rate it. But Hugo’s track record of positive reviews indicates that it’s able to pay claims.
You can cancel your Hugo auto insurance by logging into your Hugo account. Select “My Policy” in the bottom menu bar. At the top of the next screen, click the button to turn your policy off. Once you’ve turned your policy off, you can request a refund of any remaining balance in your account through the payment tab. Hugo provides detailed instructions on its website.
Hugo used to offer a Flex plan feature that allowed you to turn your Hugo coverage on and off without facing consequences, but it doesn’t anymore. It currently offers only its Unlimited Basic and Unlimited Full plans that you can buy in small increments with no down payment or fees up front. Turning your coverage off with Hugo’s available plan is effectively canceling your coverage.
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Julia Taliesin is a data journalist at Insurify. She began her career as a journalist, covering local government and business in Somerville, Mass. She reported multiple investigative stories about municipal finances and budget allocation, building development and inspection, and personnel. When the pandemic began she became a de facto public health reporter, writing daily and weekly reports using available data to quickly communicate rates of infection and city response.
She's worked for print and digital outlets, writing everything from quick-hit breaking news to long-form community features. More recently, Julia managed content strategy at a startup creating a social platform for licensed nurses, overseeing a team of nurse freelancers and editing interview transcripts and news articles for publication.
She holds a Bachelor's degree in communications from Simmons University, with a focus in journalism. Outside of work, Julia enjoys working on crafting projects, learning about homesteading, and singing in cover bands.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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