Hugo Car Insurance Review 2024

Hugo car insurance is new company that started their work in January 2021. They have a special kind of insurance, where you pay based on how much you drive (pay-per-mile). You can get this insurance in 13 states: Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Mississippi, Ohio, Pennsylvania, South Carolina, Tennessee, and Texas.

The cost of Hugo insurance can be different it depending on your location, choose your coverage plan, and driving history. On average, the basic insurance costs about $41 per month and $75 per month for full coverage.

With Hugo Flex policies, you can start or stop your insurance whenever you want and company don’t charged for this one. You can get coverage for just three days if you need it. Hugo insurance provide how much you need to pay for one day of insurance. They also help you how much money you can save by not having insurance on days when you don’t use your car.

Hugo offer has two types of policies: Unlimited Basic and Unlimited Full. Both policies give you reliable insurance for things like accidents and damage to your car.

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What is Hugo car insurance?

Hugo Insurance is a new player in the car insurance world. They started testing their insurance system in 2020 and officially launched in January 2021. Right now, they provide car insurance services to drivers in 13 states.

Hugo Car insurance is known for its flexible and “on-demand” car insurance, which uses advanced technology. This means drivers can start and stop their insurance whenever they want, and they only have to pay for the time they use it.

For example, If you want insurance for just three days then you pay online three day insurance cost.

Customer Services

It’s important to have you Hugo car insurance phone number means if you need urgent help or customer support from Hugo then you get this also if you decide to cancel your policy that time you easily contact with their support .

  • Phone: (515) 303-2410.  
  • Email:

Hugo Car insurance coverage

Hugo provides three coverage options for their customers including:

Flex: With Hugo’s flex plan, you can buy insurance for three, seven, 14, or 30 days at a time. After purchasing a set number of days, you have the flexibility to turn your insurance on or off whenever you want. For instance, if you don’t intend to drive on a particular day, you can switch off your policy for that day. The flex plan meets the state minimum insurance requirements set by the state.

Basic: Hugo’s basic plan is similar to the flex plan, but it doesn’t allow drivers to start and stop their coverage whenever they want. You can buy coverage for the same periods of three, seven, 14, or 30 days, as well as for a full six months. The liability coverage, basic plan also offers options for medical coverage and accidental death coverage.

Full: Hugo’s full plan is what’s commonly referred to as a “full-coverage” policy and the definition of “full-coverage” can differ between insurance companies. In Hugo insurance it means the policy includes more than just liability insurance. It also covers comprehensive, collision, medical, and accidental death coverage. This plan also come with time period is three, seven, 14, or 30 days, and six months.

How does Hugo car insurance work?

Hugo provides car insurance that’s flexible and can be used when you need it. You can pay for as little as three days of coverage or as long as six months its depending on your need. There are no initial fees, and you can start without having to pay anything upfront. Hugo Insurance uses artificial intelligence to provide the quote for your car insurance, so it only takes a few minutes to get covered.

Hugo is different from some other insurance companies like Metromile because it doesn’t use a telematics system to track your driving history. Telematics programs can be useful for safe drivers to save money on their insurance, but they can also lead to higher rates if the system detects things like sudden turns or hard braking. Hugo doesn’t use this kind of monitoring.

Whether Hugo car insurance is a good choice for you as a driver depends on your specific needs. If you drive regularly and don’t require the flexibility to pause or stop your coverage then Hugo is not suitable for you.

If you want fully customize your car insurance policy including the specific types and amounts of coverage then Hugo Insurance might not be the ideal choice. However, if you’re searching for flexible and budget-friendly car insurance, especially if you don’t drive frequently, then Hugo could be a best option for you.

How to get a car insurance quote from Hugo?

Hugo car insurance quote you will need to go official website and submit necessary details on portal then you’ll receive a customized quote from Hugo, and also you can received quotes from other top car insurance companies. This makes it convenient to compare multiple insurance options at one time and choose the one that suits your requirements the most.

Hugo car insurance Rates

Hugo car insurance rates offer competitive pricing and flexible coverage options tailored to your individual needs. You can find affordable insurance when you compare it with different companies.

Hugo car insurance rate by state

Car insurance costs are based on various factors including location or which state you live. Here’s an average estimate of how much Hugo car insurance might cost for liability-only coverage in different states:

StateLiability Coverage Average Monthly Quote
South Carolina$212

Hugo car insurance rates by driving history

Your driving history are affect you car insurance cost. Your past driving record, such as accident, speeding ticket, DUI and claims, can impact the cost of your insurance premium.

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 rates by age

Your age can impact on how much pay for Hugo car insurance. If you’re a young driver, like a teenager then cost of premium is getting high because you’re considered riskier to insure due to your limited driving experience. On the other hand, if you’re in the 30s aged group, your insurance is likely to be more affordable because you have a track record of safer driving. However, as you get much older, like in your 70s or 80s, you may notice a slight increase in insurance rates. This is because senior drivers might have slower reactions and health-related concerns that could lead to a small bump in insurance costs.

Driver AgeAverage Monthly Quote

Hugo car insurance discounts

Hugo insurance are different from regular car insurance companies. Instead of giving discounts, they option to drivers for buy only the insurance when they need and stop it when they don’t need it. With Hugo’s flex plan, you can switch your insurance on or off whenever you want. This way, you only pay for the days when you actually need insurance. This can be really useful for people who don’t drive a lot or only need insurance for a few days now and then. Hugo offer only bundling option for its customers.

Customer Rating for Hugo Car Insurance

Even though Hugo Insurance company is new in the insurance industry, it has received good reviews from customers. Customers like Hugo flexible offer pay-per-mile for car insurance.

Hugo Insurance is really popular on Trustpilot with a rating of 4.8. People who have rated and they are happy with Hugo services. They also like that Hugo’s website is easy to use.

Pros and Cons of Hugo Car Insurance

Offers flexible, pay-as-you need insuranceMay not be the most affordable option for daily drivers
Start and stop coverage without any extra feed when drivers needNo mobile app available yet
Good for those people who work from home or drive infrequentlyAvailable in only 13 states

How to Claim from Hugo Car Insurance

When something bad happens to your car or you’re in an accident, you have to tell your car insurance company about it. They collect your all details, like what happened and when. They’ll decide whether to give you money to cover the damages or medical costs.

You can fill for claim go to Hugo Insurance website and Look at the bottom of the page then click on “Help.” Then, choose “File a Claim” from the list of things you can do, and pick your state. Hugo will then give you the right phone number to call for help with your claim.

Hugo Insurance FAQs

Is Hugo Car Insurance Legit?

Hugo Car Insurance is a legit insurance company that uses artificial intelligence technology. People like it, and they’ve given it good 4.8 ratings. This is a new company and provide insurance services only in 13 states.

Is Hugo car insurance worth it?

Its depends on your personal needs includes where you live, how often you drive, and what kind of insurance you need. If you don’t drive your car very often or you think you’re paying too much for insurance all the time then Hugo car insurance might be cheaper for you. However, if you want really good and flexible insurance, Hugo might not be the best for you.

Are there any discounts available with Hugo car insurance?

Hugo Insurance may offer various discounts to eligible policyholders. These discounts can include safe driver discounts, multi-policy discounts, and more. Be sure to ask about available discounts when getting a quote.

Is Hugo car insurance available nationwide?

Hugo operate only in 13 states including Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Mississippi, Ohio, Pennsylvania, South Carolina, Tennessee, and Texas.

How do I contact Hugo customer support?

You can typically reach Hugo customer support through their online by using website or contact with phone number, or email.

Is Hugo car insurance affordable compared to other providers?

The affordability of Hugo car insurance can be based on many factors such as your location, driving history, and coverage needs. It’s a good idea to compare quotes from multiple insurance providers to determine which one offers the best value for your specific situation.

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