Hugo Car Insurance Review: Ratings 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
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  • 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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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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 April 18, 2024

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Cheapest recent rates

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $40/mo for full coverage.

*Quotes generated for Insurify users within the last 10 days. Last updated on April 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 April 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 April 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 April 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.

  • Hugo costs an average of $211 a month for full-coverage insurance.

  • Hugo is only available in 13 states.

What is Hugo car insurance?

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
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.
$49/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.
$62/mo

Launched in 2021, Hugo is currently the only insurance company offering on-demand car insurance. 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, and offers three tiers of coverage: flex, which meets state-minimum liability requirements; basic, which adds medical and accidental death coverage to liability, and full, which adds comprehensive and collision to the basic plan. Using the Hugo app, drivers can turn coverage on and off so they only pay for the days when they’re actually using the coverage.

Pros
  • Short-term policies

  • No down payment required

  • Flexible, pay-as-you-go insurance

Cons
  • Only available in 13 states

  • No discounts and limited options to customize coverages

Read our Hugo review
Ronald - March 8, 2024
Verified

Hugo gradually increases prices like other insurance companies

I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.

Leo - March 4, 2024
Verified

Great Option for Liability Coverage

Excellent.

Britany - February 26, 2024
Verified

Excellent

So far, so good.

Hugo Insurance is a relative newcomer to the auto insurance market. The insurtech company first released its beta platform in 2020 and officially launched in January 2021. The insurer currently offers on-demand auto insurance to drivers in 13 states: Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Mississippi, Ohio, Pennsylvania, South Carolina, Tennessee, and Texas. Its exact policy offerings vary from state to state.

Hugo’s claim to fame is its flexible, on-demand auto insurance, which is driven by cutting-edge technology. Drivers can start and stop coverage at any time, only paying for as much as they need. For example, drivers can purchase as little as three days of coverage to start.

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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 to get a car insurance quote from Hugo

To get a quote from Hugo, you can submit a quote request with Insurify. Not only will you get a personalized quote from Hugo, but you’ll also get quotes from other similar car insurance companies. This makes it easy to compare insurers simultaneously to select the policy that best meets your needs.

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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 $49 per month, and a full-coverage policy costs $62 per month, according to Insurify data.

Both policies cost much less than the national average rates of $104 for liability only and $213 for full coverage.

 Average Quote: Liability OnlyAverage Quote: Full Coverage
Hugo$49$62
National Average$104$213
Actual quotes may vary based on the policy buyer's unique driver profile.

Hugo Insurance reviews and ratings

Although Hugo is a relative newcomer to the insurance field, it has garnered positive reviews from customers who appreciate the flexibility and convenience of pay-as-you-go car insurance.

Hugo customer reviews

Hugo has a 4.8 rating on Trustpilot. Happy policyholders said Hugo made it easy to get same-day insurance coverage at an affordable rate. Customers also found Hugo’s site easy to navigate.

However, not all reviews are positive. Some customers claim Hugo representatives are hard to get in contact with, writing, “I need to talk to a human instead of a robot.”

Hugo car insurance cost by state

Car insurance requirements and prices vary depending on various factors, including the state you live in.[1] Here’s the average of how much Hugo liability car insurance costs in different states for liability-only coverage:

StateAverage Monthly Quote
Alabama$82
Arizona$78
Florida$77
Georgia$56
Illinois$40
Ohio$40
Pennsylvania$159
South Carolina$212
Tennessee$104
Actual quotes may vary based on the policy buyer's unique driver profile.

Hugo auto insurance rates by driving history

Your driving history is another factor that can affect your insurance rates. For example, if you have a speeding ticket or a DUI on your driving record, it could increase your rates. On the other hand, if you have a clean driving record and no history of accidents, your rates may be lower.[1] Here’s how your driving record can affect your monthly car insurance rates with Hugo:

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean RecordWith Speeding TicketWith AccidentWith DUI
Hugo49696164
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Hugo car insurance cost by age

Younger drivers, especially teenagers, tend to pay more for car insurance, while middle-aged drivers pay less.[1] However, drivers 70 and older may see a slight increase in rates. Here’s how a driver’s age affects the overall average cost of Hugo car insurance.

Driver AgeAverage Monthly Quote
Teens$302
20s$184
30s$164
40s$152
50s$108
60s$109
70s$124
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 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.

Hugo Insurance bundling options

Hugo currently only offers auto insurance, so there’s no option to bundle car insurance with another type of policy, such as home or renter’s insurance.

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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.

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Hugo vs. other insurance companies

Hugo may offer a fairly new and unique insurance product, but there’s plenty of competition when it comes to coverage, affordability, and customer satisfaction. Top competitors include companies like Mile Auto, Nationwide, and State Farm.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull CoverageIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Hugo49623.3
State Farm541164.5
Mile Auto571073.5
Root63983.9
Nationwide851864.3
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our 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.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update 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 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Hugo vs. Root

Root car insurance tracks your driving behavior and miles per month to set your rate accordingly. Hugo doesn’t track behavior and uses more traditional factors to determine rates, like age, driving history, and vehicle type. Safe drivers could benefit from Root’s telematics tracking, but the insurer could also deny coverage based on your habits behind the wheel.

While Root offers same-day coverage, your initial rate could change. Root requires a test-drive that takes up to 30 days to calculate your final rate, measuring behaviors like braking, turns, and distracted driving. If you’re unhappy with your premium price after the test-drive, you have 30 days to accept or reject it.

Root offers towing and roadside assistance, and Hugo doesn’t. But Hugo has some advantages over Root for drivers looking for flexible car insurance plans. Unlike Root, Hugo offers a $0 down payment, flexible micropayments, a simple daily rate, pay-as-you-go options, and no cancellation fees for Flex policies.

Hugo vs. Mile Auto

Mile Auto is an online car insurance company that may rival Hugo’s flexibility. Instead of paying a flat rate for car insurance no matter how much — or how little — you drive, Mile Auto charges a base rate and then a per-mile rate every month, based on how many miles you drove. For example, if your base rate is $48 a month and $0.05 per mile, you may pay $58 if you drive 200 miles in a month.

Mile Auto’s average monthly costs for car insurance are $57 per month for full coverage and $57 for liability only. This is much lower than Hugo’s average monthly rates for full-coverage ($62) and liability-only car insurance ($49).

Hugo vs. Nationwide

Nationwide is also a well-known insurance company that offers auto insurance policies that are more traditional than Hugo’s. Nationwide offers auto insurance as well as a wide variety of other insurance and financial products, including homeowners insurance, renters insurance, life insurance, pet insurance, investment accounts, and more.

Unlike Hugo, Nationwide doesn’t offer customers the ability to stop and start auto insurance as they need to. However, Nationwide does have a SmartMiles pay-per-mile program that charges drivers based on how many miles they drive in a month. Nationwide’s insurance policies cost an average of $85 per month for full coverage and $85 per month for liability only. Compared to Hugo’s average monthly rates — $62 for full coverage and $49 for liability only — Nationwide may have only slightly cheaper rates.

Hugo vs. State Farm

State Farm is the largest U.S. property/casualty insurer by market share, and it offers auto insurance, homeowners insurance, renters insurance, small-business insurance, life insurance, health insurance, disability insurance, and more.

Whereas Hugo offers flexible, pay-as-you-go auto insurance, State Farm offers traditional auto insurance policies. These policies tend to be more comprehensive and customizable than Hugo’s offerings, but they may also cost more depending on how much coverage you need and how often you drive. State Farm auto insurance policies cost an average of $116 per month for full coverage and $54 per month for liability-only coverage.

How to file a claim with Hugo

If you get in an accident or something happens to your vehicle, you need to file a claim for your car insurance company to reimburse you for damages or medical costs. A claim details precisely what happened and when the incident occurred so that your insurance company can verify the incident and approve or reject your claim.

To file a claim with Hugo, take the following steps:

  1. Access Hugo’s website. Once on the Hugo website, scroll down to the footer section and locate the “Help” button. Click on it to proceed.

  2. Select “File a Claim.” Within the Help options, find and click on “File a Claim” from the list provided. This option will guide you through the process of reporting your incident for your account.

  3. Choose your state. After selecting File a Claim, you may need to specify your state. Insurance regulations and processes can vary by state, so this step ensures you receive accurate and relevant information.

  4. View contact information. Hugo’s system will then give you the appropriate phone number for your state. Take note of this number, as you’ll need to call it to get assistance with submitting your claim.

  5. File the claim by phone. Dial the provided phone number to speak with a representative. Be prepared to provide detailed information about the incident, including what happened and when it occurred. This information is crucial for Hugo to verify the incident and process your claim.

Why Do Car Insurance Companies Deny Claims?

Why Do Car Insurance Companies Deny Claims?

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 $62 for full coverage and $49 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.

  • What is Hugo’s overall customer satisfaction?

    With more than 3,400 reviews and a 4.8 rating on Trustpilot, Hugo has plenty of positive customer reviews. The insurer has received positive feedback for its easy application process, flexible options, and affordable prices.

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.

Sources

  1. III. "What determines the price of an auto insurance policy?."
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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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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