Hugo Auto Insurance Review (2024)

What You Should Know About Hugo Insurance

Hugo provides cheap auto insurance for occasional drivers who are only on the road two or three times a week.

This is good news for low-mileage drivers in these 13 states: AL, AZ, CA, FL, GA, IL, IN, MS, OH, PA, SC, TN, and TX.

Keep reading our Hugo auto insurance review to find affordable auto insurance today.

Hugo Auto Insurance Reviews and Ratings

There are very few Hugo insurance complaints. Most drivers are looking for policies that match their lifestyle, where driving isn’t a priority, but being well-covered is.

Many Hugo insurance reviews praise its coverage and payment flexibility. These reviews showcase how Hugo meets drivers’ needs with short-term coverage and mobile-friendly service:

However, Hugo insurance customer service experiences are regional, meaning California drivers may have a different outlook than someone driving in Texas or Tennessee where coverage options are more limited.

Hugo is also a new and relatively small company and is not yet rated by A.M. Best or J.D. Power, so it could lack the financial strength and overall customer satisfaction you’re looking for in an insurer.

Hugo Insurance Coverage Options

If you need policy add-ons like roadside assistance or rideshare coverage, Hugo won’t have them. Instead, the provider focuses on affordable temporary auto insurance that drivers can turn on and off as needed.

Drivers pick from three different coverage options:

• Flex: Buy liability insurance by the day or week, and turn Hugo auto insurance off on days you aren’t driving.
• Unlimited Basic: Immediate liability coverage with no down payment.
• Unlimited Full: Immediate full coverage with no down payment.

All Hugo auto insurance policies come with coverage extensions and no down payments, but only Flex plans can turn coverage off and on instantly. The three plans also differ in other key ways:

Only Unlimited Full plans provide coverage for your vehicle, passengers, and personal injuries. What’s more, Hugo’s full coverage insurance like this is only available in Illinois and California. So, if you live in any of the other states listed above, you can only buy liability insurance from Hugo. 

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Hugo Insurance Rates Breakdown

Below we’ve calculated an average of what drivers pay for Hugo auto insurance based on age and where they live. Your driving record will also influence your rates, and Hugo may not insure drivers who have multiple accidents or claims. 

Use the tables below to find affordable Hugo auto insurance near you.

Hugo Auto Insurance Rates by Age And Gender

Despite being cheap usage-based auto insurance, men can still expect to pay more for Hugo than women. Younger drivers will also have higher rates.

The only states that don’t allow gender to influence insurance rates and also offer Hugo auto insurance are California and Pennsylvania.

Hugo Auto Insurance Rates by State

Hugo auto insurance is only available in 13 states. Find yours in the table below to compare rates:

Regional claim and auto accident rates will impact your Hugo insurance rates. The cheapest states are Ohio and Alabama, while Georgia and Texas are the most expensive.

Hugo Auto Insurance Rates by Driving Record

Driving history has the biggest effect on Hugo auto insurance rates, and drivers with DUIs pay the most for coverage.

High-risk drivers can still get affordable insurance based on the type of plan they choose. For example, a Flex plan where you’re only driving a few days a month can save someone with DUIs or accidents thousands of dollars per year.

How to Pay For Hugo Auto Insurance

Unlike traditional auto insurance companies, you don’t pay monthly or annual premiums with Hugo. And unlike pay-per-mile insurance programs, you don’t pay a rate based on your monthly mileage. 

Hugo only charges for the days you drive, and drivers pay for auto insurance through a refillable account on the Hugo insurance app. You can add funds as needed or set up “Auto Reload” by linking a bank account.

The perks of choosing a Flex plan are flat daily rates and the ability to turn coverage off and on as you need it:

If you need more coverage, Unlimited Basic and Full plans still come with the convenience of reloading your Hugo insurance app and extending coverage without payment:

Drivers who need 1-day auto insurance or temporary two-week auto insurance enjoy Hugo’s flexible payment options that let you add coverage by the day, week, or month.

Hugo Insurance Discounts Available

Hugo does not offer any auto insurance discounts, policy perks, or add-ons. It is one of the cheapest pay-as-you-go auto insurance companies because of its flexible, liability-only coverage, and therefore does not provide any more discounts.

However, auto insurance for infrequent drivers is eligible for low-mileage and pleasure-use discounts with other top companies. Before you buy Hugo insurance, compare rates from multiple insurers in your area to see the kinds of policies available in your budget.

For example, you might find traditional 30-day auto insurance is cheaper with a low-mileage discount. Use our guides to learn how to get a low mileage auto insurance discount and how annual mileage affects auto insurance rates.

How Hugo Insurance Ranks Among Providers

Hugo auto insurance is a type of usage-based coverage that only charges based on how often you drive. However, many national and regional companies also offer usage-based and pay-per-mile auto insurance, and you might get lower rates with a different provider.

If Hugo insurance is not available in your state, you can likely find a similar type of policy with another company.

For example, Nationwide SmartRide is available in 45 states, while Geico DriveEasy is in 31 and Washington, D.C. These companies won’t provide two-day auto insurance like Hugo, but you can still get lower rates on long-term coverage based on how little you drive.

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