Hugo Auto Insurance: User Reviews and Quotes (2024)

If you don’t drive often, you may find Hugo’s pay-as-you-go auto insurance coverage can help you save.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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.

Updated July 18, 2024

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Drivers have found policies from CSAA, State Farm, Certainly, and more, for rates as low as $35/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. 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 July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Hugo car insurance offers flexible on-demand, short-term car insurance. If you aren’t a frequent driver, its policies may help you save on car insurance costs. Hugo Flex policies allow you to pause or restart coverage at any time without a fee, and you can buy coverage for as little as three days at a time.

Unfortunately, this car insurance company only issues policies in 13 states, and exact policy offerings vary by location. Here’s a closer look at how Hugo car insurance works.

Quick Facts
  • Officially launched in 2021, Hugo offers on-demand auto insurance.

  • On Trustpilot, Hugo customers praise its ease of use, payment flexibility, and the ability to get insured without fees or a down payment.

  • Hugo is only available in 13 states.

How Hugo compares to other insurance companies

Compare personalized, real-time quotes
User Reviews
4.1
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.
7.0/10
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.
$52/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$60/mo

Launched in 2021, Hugo is currently the only insurance company offering policy terms as short as three days and the ability to make smaller, more frequent micropayments. Drivers open an account with Hugo without paying a down payment, and choose their policy term. Hugo sells policies for three, seven, 14, or 30 days, or six months, and offers minimum coverage liability insurance. Hugo no longer sells full-coverage policies, and liability policies are limited to state minimums – you can’t buy higher liability limits.

Pros
  • Short-term policies

  • No down payment required

  • Micropayment option

Cons
  • Only available in 13 states

  • Full coverage not available

  • No discounts

Read more driver reviews of Hugo
Kimberly - July 14, 2024
Verified

I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.

I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.

Jennifer - July 13, 2024
Verified

Rate Increase If You Turn Off and On

I can't say much except that I don't like the rate hike because I didn't use it.

Deborah - June 30, 2024
Verified

Excellent

It's a weekly policy and only covers liability.

Hugo is a relatively new car insurance company with a product that’s unique in the auto insurance industry. After creating an account, you’ll deposit funds into it based on the payment schedule of your choosing. You can draw on your account, and buy coverage, for as little as one day at a time.

Three plan types are available: Unlimited Basic, Unlimited Full, and, in some states, Flex. Hugo’s average national rates are among the lowest in Insurify’s database of millions of car insurance quotes.

But Hugo doesn’t offer any discounts, it’s not rated by industry-rating companies like AM Best, and the National Association of Insurance Commissioners (NAIC) has no information on the company.

FactorHow Hugo Compares
RatesCheaper than many competitors
Customer serviceMore positive reviews on Trustpilot than many competitors
DiscountsDoesn’t offer discounts commonly available from other insurers
AvailabilityVery limited availability compared to competitors — Hugo’s only available in 13 states
Financial strengthDifficult 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.

How does Hugo auto insurance work?

Hugo offers flexible, on-demand coverage for drivers. Policyholders can make “micropayments” for three days of coverage and up to six months at a time, depending on the plan. Hugo has no up-front fees, and drivers can pay as they go with a $0 down payment.

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.

Is Hugo right for you?

Whether Hugo is right for you as a driver depends on several factors. Most importantly, if you drive every day and don’t need the flexibility that comes with the ability to pause or turn off coverage, then Hugo may not be the best insurance company for you.

If you want to be able to completely customize your policy and specify exact coverage types and amounts, Hugo may also not be the best fit. But if you’re looking for flexible, affordable auto insurance and only drive occasionally, Hugo could be a good option.

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Hugo auto insurance coverage

Hugo offers three different coverage options: 

  • Flex: Hugo’s flex plan allows drivers to purchase three, seven, 14, or 30 days of coverage at a time. After purchasing a set number of days, drivers can turn their coverage on or off whenever they need to. For example, if someone doesn’t plan to drive for a given day, they can turn their policy off for that day. The flex plan meets state minimum insurance requirements, but it won’t work for people with leased or financed vehicles that must have continuous full coverage. And flex plans are currently only available in California and Illinois.

  • Unlimited Basic: Hugo’s basic plan is similar to the flex plan but doesn’t give drivers the option to stop or start coverage at will. Drivers can purchase coverage in the same intervals of three, seven, 14, or 30 days, as well as coverage for a full six months. In addition to liability coverage, medical coverage and accidental death coverage are also available on the basic plan. Unlimited basic is currently available in every state where Hugo operates.

  • Unlimited Full: Hugo’s full plan is a “full-coverage” policy. While the meaning of “full coverage” can vary among insurers, in Hugo’s case, it means that the policy includes not only liability insurance but also comprehensive, collision, medical, and accidental death coverage. Drivers can purchase coverage in intervals of three, seven, 14, or 30 days or six months.

How Hugo rates compare to competitors

Hugo’s rates are cheaper than many of its national and regional competitors. If you live in a state where Hugo coverage is available and don’t need continuous coverage, Hugo can be an affordable option for car insurance.

It’s important to note, though, that if your leasing company or lender requires full coverage as part of your leasing or financing agreement, you won’t be able to use Hugo’s off-and-on feature.

Here’s how Hugo’s liability-only monthly rates compare to some top competitors.

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost of Hugo auto insurance

Hugo’s rates can vary significantly depending on the state, the policy type you choose, and other factors, like your driving history.

Hugo’s average cost for a basic liability-only policy is $52 per month, according to Insurify data. By comparison, the national average cost of car insurance is $105 for liability-only coverage.

Just as how rates vary with other insurers based on factors like your age, gender, location, and driving record, Hugo’s rates can be very different among drivers. Teenagers and drivers with moving violations like DUIs or at-fault accidents typically pay higher insurance rates, and Hugo’s average quotes reflect that.

The following table illustrates how Hugo’s minimum-coverage rates can vary based on driver factors.

DriverHugo’s Average Monthly QuoteNational Average
Drivers with a clean record$52$105
Drivers with a speeding ticket$68$149
Drivers with an at-fault accident$60$156
Drivers with a DUI$68$177
Teen drivers$88$185
Senior drivers$32$78
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Hugo car insurance cost by state

Location affects car insurance rates significantly, because where you live can influence how likely you are to file a claim.

For example, if you live in an area with high rates of vehicle theft and vandalism, you’ll have a greater risk of needing to file a comprehensive insurance claim. 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 the states where it’s available.

StateHugo’s Average Monthly QuoteState Average
Florida$77$196
Georgia$57$146
Illinois$79$39
Ohio$39$74
Texas$58$119
Disclaimer: Hugo is also available in Alabama, Arizona, Indiana, Mississippi, Pennsylvania, South Carolina, Tennessee, and Virginia. These states are omitted from this table due to insufficient rate data.

Hugo car insurance discounts

Hugo doesn’t offer discounts like traditional auto insurers. Instead, Hugo offers the ability for drivers to purchase a limited amount of insurance coverage and pause it when they need to.

With Hugo’s flex plan, drivers can turn coverage on and off at any time, which means they’re only paying for the days they need coverage. This can be especially helpful for policyholders who may not drive very often or only need coverage for a few days at a time.

Cheapest recent rates

Drivers have found policies from Progressive, Liberty Mutual, Just Insure, and more, for rates as low as $35/mo. through Insurify

*Quotes generated for Insurify users within the last 10 days. Last updated on July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. 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 July 18, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

How customers feel about Hugo

AM Best, J.D. Power, and the NAIC don’t have ratings or customer complaint information for Hugo, so you’ll have to turn to sites like Trustpilot and even Reddit to find out what others say about the company.

Hugo has nearly 17,000 reviews on Trustpilot and an overall rating of 4.8 stars (out of 5). A noteworthy 89% of those reviews are five-star, and just 2% are one-star reviews.

Positive reviews focus on payment flexibility, speed and ease of use, and affordability.

Many negative reviews seem to focus on technical difficulties or the effects of policy changes made by Hugo’s partners in different states. 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.

Hugo customer reviews

Here are recent and verified customer reviews that Insurify has collected from around the web.

Kimberly - July 14, 2024
Verified

I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.

I disliked the fact that there's no app. I'm uncertain about its legitimacy. I was also disappointed that my coverage was not reported to my state as requested. I'm not fond of the idea that the price might change if it's turned off for a day.
Jennifer - July 13, 2024
Verified

Rate Increase If You Turn Off and On

I can't say much except that I don't like the rate hike because I didn't use it.
Deborah - June 30, 2024
Verified

Excellent

It's a weekly policy and only covers liability.
Makayla - June 24, 2024
Verified

New Insurance

The process was very easy and helpful for me.

Hugo ratings

Third-party accreditation organizations like AM Best and J.D. Power have yet to rate Hugo, but other ratings for the company are available.

RatingScoreWhat This Means
IQ Score7.0An IQ Score of 3 is a modest score. Hugo earns this score largely due to its limited availability in only 13 states.
ConsumersAdvocate3.8 (out of 5)The score evaluates coverage options, financial strength, pricing, claims satisfaction, and more. It’s worth noting that the rating factors in financial strength and customer experience information are for Hugo’s underwriting partner and not Hugo itself.
Trustpilot4.8 stars (out of 5)An excellent score indicates a high level of reviewer satisfaction.
Better Business BureauD-The BBB hasn’t accredited Hugo. The BBB says this rating is due to failure to respond to one consumer complaint, having three complaints with the BBB, and the length of time Hugo has been in business.
Yelp1 star (out of 5)Hugo has only four reviews on Yelp. All are one-star reviews.

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How to turn car insurance on and off with Hugo

Hugo offers three plans: Flex, Unlimited Basic, and Unlimited Full. Hugo Flex coverage is a liability-only pay-as-you-go policy for occasional drivers. Unlimited Basic policies work best for people who drive most days and want liability coverage, while Unlimited Full offers budget-friendly full-coverage auto insurance.

You can turn all Hugo policies on or off via a toggle on the insurer’s user-friendly site. With Flex policies, you can pause your coverage and won’t pay anything until you turn the policy back on. Additionally, Flex coverage doesn’t have a cancellation fee.

Turning off Unlimited Basic and Unlimited Full policies could come with a rate increase or state penalty. This is because it’s more like canceling a policy than pausing it. When you cancel coverage, you can easily withdraw funds through the Hugo site if you have any remaining money in your account.

Keep in Mind

If you lease or finance your vehicle, you probably wont be able to use a Flex policy from Hugo. Lenders and leasing companies typically require you to maintain full coverage on your vehicle at all times. Pausing your coverage with a Flex policy could go against your lender or leasing companys rules.

Hugo Insurance FAQs

Interested in learning more about Hugo? Here are answers to some of the most common questions about Hugo.

  • Is Hugo legitimate?

    Hugo is a legitimate insurance company. It’s received positive ratings from customers and has a history of strong customer satisfaction. However, Hugo is still a relatively new company and is currently only available in 13 states.

  • Is Hugo car insurance worth it?

    Whether Hugo is worth it for you depends on your own individual circumstances, including your location, driving habits, and insurance needs. For drivers who only use their car a few days a week or may be overpaying for continuous coverage, Hugo could be a more affordable option. But for drivers who want robust, customizable coverage, Hugo might not be the best fit.

  • What is the average cost of Hugo car insurance?

    The average monthly cost for Hugo is $60 for full coverage and $52 for liability only. Rates vary depending on various factors, including which of Hugo’s three plans you select, where you live, your driving history, and more.

  • Is Hugo good at paying claims?

    As a relative newcomer, Hugo doesn’t have the financial stability of insurance giants like GEICO or Nationwide, and it’s not yet rated by industry organizations like AM Best. But Hugo’s track record of positive reviews indicates that it’s able to pay claims. Its full plan even offers same-day claims pay.

  • How do I cancel my Hugo insurance policy?

    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.

Methodology

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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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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