Is Hugo a Good Insurance Company? Reviews From Over 200 Customers

Hugo Insurance: Rated 4.5 out of 5 by customers

Category	Average Score
Overall experience rating	4.5
Customer service	3.1
Value	3.7
Claims handling	3.5
Coverage options	3.6
Discounts	3.7
Policy transparency	3.9
Policy flexibility	3.9

Our take on Hugo insurance

Insurify gives Hugo a quality score of 6.3 out of 10.

Positive reviews from Hugo’s customers highlight its policy transparency, which they rate 3.9 out of 5. That said, some customers report dissatisfaction with its lack of traditional discounts, rating it 3.7 out of 5 for availability of discounts.

Hugo customer service reviews: Rated 3.1 out of 5

Hugo’s customer service reviews are mixed, earning a customer rating of 3.1 out of 5. Some customers report straightforward and fast assistance. But others say it can be difficult to even get in contact with a representative.

The reviews below show how Insurify customers with Hugo policies rank the insurer’s customer service.

Hugo customer service ratings vs. Root and GEICO

Reviews of GEICO reflect a similar attitude, with some customers claiming that getting a representative on the phone can be a headache and often requires patience on the caller’s part. Customers rate GEICO’s customer service 4.1 out of 5.

That said, both GEICO and Hugo provide better support than Root. Reviews for Root frequently say that getting any help at all is difficult, particularly for questions about billing and pricing. Customers give Root’s customer service an average rating of 2.4 out of 5.

Customers rate Hugo a 3.1 out of 5, similar to GEICO, but higher than Root.

The following data reflects how users view the customer service of Hugo, Root, and GEICO.

Company	Average Score
Hugo	3.1
Root	2.4
GEICO	4.1

Hugo discounts reviews: Rated 3.7 out of 5

Hugo doesn’t offer traditional insurance discounts, like good student or safe driver discounts. The closest thing to a discount that it offers is a pay-as-you-go plan. With this plan, drivers can turn their insurance on and off sporadically. This is useful for drivers on a budget who know that they won’t be driving for days or weeks at a time.

Positive reviews appreciate the pay-as-you-go plan, praising it for its adaptability. Customers who leave negative reviews feel like prices steadily increase and that the lack of discounts makes it hard to keep their insurance affordable.

Customers rate Hugo’s discounts 3.7 out of 5.

The following reviews are helpful for understanding how customers view Hugo’s discount options.

Hugo discounts ratings vs. Root and GEICO

Hugo’s discounts appeal to a niche group of customers but leave many unsatisfied, resulting in a rating of 3.7 out of 5.

Root and GEICO both offer more traditional discounts but face criticism from customers who say that the discounts don’t keep up with rising prices.

Customers rate Root’s and GEICO’s discounts 2.7 and 3.9 out of 5, respectively.

The following chart highlights how customers view Hugo’s, Root’s, and GEICO’s discount options.

Company	Average Score
Hugo	3.7
Root	2.7
GEICO	3.9

Hugo claims handling reviews: Rated 3.5 out of 5

Relatively few reviews make note of Hugo’s claims-handling process. While this means that there aren’t many glowing reviews on the topic, it could also indicate claims handling isn’t a problem area that customers feel overly negative about. Customers rate Hugo’s claims handling 3.5 out of 5.

The following reviews provide insight into customer experiences with Hugo’s claim handling.

Hugo claims handling ratings vs. Root and GEICO

Hugo ranks lower than GEICO but higher than Root for claims handling, with a rating of 3.5 out of 5. Root, which has a lower rating of 3.2, receives complaints about communication and claims-handling issues.

Reviews for GEICO, on the other hand, skew more positive than both Hugo and Root. GEICO has an overall rating of 4.1 out of 5.

To see how customers feel about the claims handling ability of Hugo, Root, and GEICO, look at the data below.

Company	Average Score
Hugo	3.5
Root	3.2
GEICO	4.1

Hugo value for money reviews: Rated 3.7 out of 5

Hugo’s customers are generally satisfied with the value they get for their money, according to Insurify user reviews. Hugo offers flexibility through its pay-as-you-go model, allowing customers to pay according to their needs. This payment structure may make customers feel like they’re getting the best deal for their situation.

Customers give Hugo an overall rating of 3.7 out of 5 for its value. Read the real reviews below to learn more.

Hugo value for money ratings vs. Root and GEICO

Customers describe Hugo as worth it when you use it the right way. Customers who plan to use Hugo for its pay-as-you-go model generally think they’re getting a good deal and seem to be more consistently satisfied than customers of GEICO and Root. 

Customers rate Hugo’s value 3.7 out of 5.

Root and GEICO both face complaints about rate changes over time. GEICO customers express concern about sudden rate hikes, even if they think that GEICO’s service and product are high-quality. Root customers generally expect the company to offer low prices and are upset when it slowly raises their rates.

Customers rate Root 2.8 out of 5 and GEICO 3.8 out of 5.

To better understand how customers view each company’s value, take a look at the information below.

Company	Average Score
Hugo	3.7
Root	2.8
GEICO	3.8

Hugo policy transparency reviews: Rated 3.9 out of 5

Customers rate Hugo’s policy transparency 3.9 out of 5. Reviews indicate that most customers have a general understanding of the product and aren’t surprised or confused by how their policy or payment works. One source of confusion is the pay-as-you-go program. Some customers say they’re unsure about how their insurance works when they have it turned off.

To see how customers view Hugo’s policy transparency, read relevant reviews below.

Hugo policy transparency ratings vs. Root and GEICO

Customer reviews for Hugo’s policy transparency are generally positive, earning a rating of 3.9 out of 5. Hugo’s rating is higher than that of GEICO and Root.

GEICO and Root often frustrate customers when they change their prices and deny claims. Root customers, in particular, often seem to initially choose Root with the idea that it will provide steady, low prices, and they feel blindsided when rates rise. Customers rate Root 3.1 out of 5 and GEICO 3.9 out of 5.

The information in the table below will give you a better idea of how customers view each company’s transparency.

Company	Average Score
Hugo	3.9
Root	3.1
GEICO	3.9

Hugo vs. Root, GEICO, and Chubb

Comparison shopping is one of the best ways to make sure you’re getting a good deal on your insurance. To get a better understanding of how Hugo stacks up with some of its competitors, take a look at the table below.

Hugo customer reviews: Read what over 200 Insurify customers have to say about Hugo

The reviews below are sourced from over 200 Insurify customers who recently had insurance through Hugo.