Hugo car insurance review 2023

Hugo car insurance is a new insurance company that offers flexible pay-per-mile insurance and unlimited policies in 13 states: Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Mississippi, Ohio, Pennsylvania, South Carolina, Tennessee, and Texas. The exact policy offerings vary by location. Hugo Flex policies allow drivers to pause or restart coverage at any time without a fee. You can buy coverage for as little as three days at a time.

Instead of a monthly quote, Hugo calculates how much you’ll pay for a single day of car insurance and how much you can save by turning coverage off on days you don’t drive. Unlimited Basic and Unlimited Full policies offer consistent liability and full-coverage insurance. According to Insurify data, Hugo’s average cost for a basic (liability-only) policy is $41 per month, and $75 per month for a full-coverage policy.

Key points

  • Hugo, which started in 2021, provides auto insurance when you need it.
  • For complete coverage, Hugo typically charges around $211 per month.
  • Hugo is currently only available in 13 states.

What is Hugo car insurance?

Hugo Insurance is a new car insurance company that offers on-demand coverage. It was launched in 2021 and is currently available in 13 states: Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Mississippi, Ohio, Pennsylvania, South Carolina, Tennessee, and Texas. Hugo’s policies vary by location. Hugo’s on-demand auto insurance is driven by cutting-edge technology. Drivers can start and stop coverage at any time and only pay for as much as they need. For instance, drivers can purchase as little as three days of coverage to start.

How does Hugo auto insurance work?

Hugo is an insurance company that provides 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. Thanks to Hugo’s artificial intelligence-driven approach to insurance underwriting, it takes just a few minutes to get coverage.

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.

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.

Hugo car insurance cost by state

Different states have different rules and prices for car insurance. You need to follow the rules of the state you live in. Here is how much Hugo car insurance costs on average in different states for the minimum coverage:

StateAverage Monthly Quote
South Carolina$212

Hugo auto insurance rates by driving history

Your driving history can change how much you pay for car insurance. For example, if you drive too fast or drink and drive, it could make your insurance more expensive. But if you drive safely and have no accidents, your insurance may be cheaper. Here is how your driving history can change how much you pay for Hugo car insurance every month:

Driving RecordAverage Quote: Full CoverageAverage Quote: Liability Only
Clean record$211$162
With speeding ticket$283$217
With at-fault accident$302$232
With DUI$420$322

Hugo car insurance cost by age

Car insurance costs more for younger drivers, especially teens, because they are more likely to have accidents. Car insurance costs less for middle-aged drivers, because they are more experienced and careful. Car insurance costs a little more for older drivers in their 70s and 80s, because they may have health problems that affect their driving. Here is how old you are can change how much you pay for Hugo car insurance on average.

Driver AgeAverage Monthly Quote

pros and cons


  • Provides flexible, pay-as-you-go insurance.
  • Allows drivers to begin and end coverage when necessary.
  • Great for individuals who work from home or don’t drive often.


  • Might not be the cheapest choice for those who drive daily.
  • Currently lacks a mobile app.
  • Limited availability, currently serving only 13 states.

Final Thought

When your car gets damaged or you get accident in a car, you need to tell your car insurance company what happened and when it happened. This is called a claim. The company will check the claim and decide if they will pay you back for the damage or the medical bills.

To make a claim with Hugo, go to their website and click the “Help” button at the bottom. Then choose “File a Claim” from the menu, and pick your state. Hugo will then give you the right phone number to call for help with your claim.


Is Hugo a legitimate insurance company?
Yes, Hugo is a legitimate AI-driven insurance company with positive customer ratings. However, it’s currently available in only 13 states.

Is Hugo’s car insurance a good choice?
Whether Hugo is right for you depends on factors like your location and driving habits. It could be cost-effective for occasional drivers but may not be suitable for those needing extensive coverage.

What’s the average cost of Hugo’s car insurance?
Hugo’s average monthly cost is $211 for full coverage and $162 for liability only. Costs vary based on factors like your chosen plan and driving history.

Does Hugo handle claims well?
While Hugo is newer and not rated by industry organizations, customer reviews suggest it pays claims promptly, especially with its AI-driven process.

What’s Hugo’s overall customer satisfaction?
Hugo boasts a 4.8 rating on Trustpilot with over 3,400 reviews. Customers appreciate its easy application process, flexible options, and affordable prices.

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