Hugo is an insurance company that is currently the only one on-demand car insurance provider. Hugo car insurance first launched a beta version of Flex platform in August 2020, Illinois states and officially launched in January 2021. Any car drivers may open an account with Hugo without deposit a down payment, choose their policy coverage and Hugo car insurance quote.
Hugo offers car insurance policies in 13 states in the United States: Illinois, Georgia, Arizona, Alabama, California, Florida, Mississippi, Ohio, Pennsylvania, Texas, South Carolina, Indiana and Tennessee. It offers on-demand coverage whose average cost rate varies by state.
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Key Takeaways
- Hugo is a legitimate, cheaper and multi-functional auto insurance company.
- It is earning plenty of customer satisfaction and reviews average 4.8 rating from Trustpilot in a short time.
- Customers appreciate the financial affordability and claims paying ability of Hugo Insurance.
- Hugo offers flexible and short-term coverage options that make it easy to manage your policy and premium.
- It is only one of the companies that start car insurance with $0 payment.
Hugo Car Insurance Reviews
Hugo car insurance offers flexible on-demand with short-term coverage options. If you occasionally use your car, then Hugo car insurance policies will help you to save on your insurance costs. The company’s Flex option policies allow you to pause or resume your coverage at any time without a fee. You can also buy a coverage premium for three days at a time.
The company typically offers policies for 3, 7, 14 days or 1 months with three premium coverage: Flex, Basic and Full coverage. Flex, It’s a primary option that meets state-minimum liability requirements. Basic, it offers medical and accidental death coverage to liability. Full coverage, the plan adds comprehensive and collision from the basic coverage.
In addition, Hugo insurer may be using the mobile app to turn coverage on and off. So they can pay only for the days when they use the policy coverage.
Type of Hugo Car Insurance Coverage
Hugo car insurance typically offers three type coverage options: Flex, Basic and Full coverage.
1. Flex plan: The Flex option allows any driver to buy 3, 7, 14, or 30 days of car insurance coverage at a time. After purchasing policy coverage of any day, whenever they need to, drivers can turn their coverage option pause or resume. For example, if any driver doesn’t want to drive for a specific day, they can turn off their policy for that day to save one day’s premium cost. The flex coverage meets the state-minimum auto insurance requirements. but it won’t work for that driver or auto owner with leased vehicles that must have continuous full coverage policy. Unfortunately, flex plans are only available in Illinois and California states.
2. Basic Plan (Unlimited): The basic coverage plan is similar to the flex plan. But it doesn’t allow coverage of the off-on option at will for drivers. A driver can buy policy coverage in the same intervals of flex plan days, basic plan adds full six months option to purchase policy. Available on the basic plan to liability coverage, medical and accidental death coverage. In addition, Unlimited basic plan is currently available in all the states where Hugo Insurance operates.
3. Full Coverage (Unlimited): Hugo insurance’s full plan has a comprehensive policy. It includes not only liability insurance but also wide-range, collision, medical and accidental death coverage. It offers 3, 7, 14 days and one or six months intervals policy coverage for every driver.
How does Work Hugo Car Insurance?
Hugo Car Insurance operates by providing coverage for individuals against potential financial losses resulting from accidents, theft, or other damages to their vehicles. Here’s a breakdown of how Hugo Car Insurance typically works:
Customers interested in obtaining car insurance can reach out to Hugo Car Insurance either online, through a broker, or directly at one of their offices. They can select a policy that best suits their needs based on factors such as coverage limits, deductibles, and premium costs.
How Much Average Cost for Hugo Car Insurance?
Hugo car insurance rates can vary significantly depending on the location, age, plan and other factors like any other company, while Hugo has some differences. Hugo’s expected average cost for only a basic plan is $48 every month, and full-coverage plan costs are $56 per month.
Both coverage policies cost much lower than the national average cost rates of $103 for basic plan only and $207 for full coverage plan.
Source | Average Cost for Basic Liability | Average Cost for Full Coverage |
---|---|---|
Hugo | $48 | $56 |
National Average | $103 | $207 |
Hugo Car Insurance Cost by Age
Typically, most insurance companies expect the highest rate for teenagers and younger drivers. Because they always file claims and accident likelihood more than adults.
Customers are required to pay premiums to Hugo Car Insurance to maintain coverage. Premium amounts may vary depending on factors such as the type of coverage selected, the age and model of the vehicle, the driver’s age and driving history, and the location where the vehicle is primarily used.
Driver Age | Average Monthly Premium Cost |
Age 17 | $302 |
Age 20 | $184 |
Age 30 | $164 |
Age 40 | $152 |
Age 50 | $108 |
Age 60 | $109 |
Age 70 | $124 |
Hugo Car Insurance Average Monthly Cost by State
Location is a primary factor for determining insurance policy rate. Hugo car insurance requirements and prices may vary depending on locations. Average of how much Hugo car insurance average premium costs in different states-by-states, as mentioned in the table below:
State Name | Average Monthly |
Illinois | $41 |
Ohio | $41 |
Georgia | $55 |
Florida | $77 |
Arizona | $78 |
Alabama | $82 |
Tennessee | $104 |
Pennsylvania | $159 |
South Carolina | $212 |
Discounts of Hugo Car Insurance
Although most insurance companies offer some discounts to new policyholders, Hugo doesn’t provide these discounts. But, Hugo offers the ability for drivers to buy a little amount of insurance policy coverage, short-terms and pause/resume option when they need to.
Hugo’s flex plan offers drivers a turn coverage stop at any time, it helps they’re only paying for the driving days and save money for non-driving days. Flex plans can be helpful for those who may occasionally drive. In addition, those who only need coverage for three or seven days at a time.
How to Affect Your Hugo Car Insurance Rate by Driving History
Your car driving history can affect your insurance premium rate, it is another such factor. Even, if you drive too high speed or drink and DUI on your driving history, it could increase your coverage cost. In addition, if you safely drive your vehicle and do not have any accident records, your coverage cost may be inexpensive. Check out the table below to see how your driving history can affect your Hugo car insurance for cheaper or expensive:
Driving Record | Average Quote |
Clean record | $48 |
With Speeding Ticket | $66 |
With an Accident | $58 |
With DUI | $66 |
Clean driving records
Most of the auto insurance companies often follow a driving history of 3 to 5 years in all states. This means your car insurance rates could be expensive for up to 5 years after your most recent accident. So, keep-up a clean driving record is very important for both your financial and physical well-being.
A good driver discount
Hugo’s require at $183 a month for liability and $234 for full-coverage, their average rates for good drivers that are slightly higher than the national average rate. Although Hugo doesn’t allow good driver discounts, it offers cheaper rates to drivers with clean driving records than to those with tickets or conflict.
After an accident rate
Hugo car insurance is more prone to charge more than the national average for insurance after the car accident. However, you are able to drive less mileage to pay a lot less with an unlimited Flex plan.
Hugo Auto Insurance Pros and Cons
Hugo insurance has 4.8 review rating from Trustpilot and ranks well as among drivers in states that offer its coverage:
Pros | Cons |
Micropayment and short-terms coverage for drivers who are not able afford to take large premiums and long-term policies. | Available in 13 states only |
Flexible and on-demand coverage | It cannot be the suitable for driver who drive daily |
Easy to pay for insurance policy with online or on phone | Focus only full coverage |
Coverage turn on and off option for drivers when need to | Might not be the inexpensive choice for those who drive daily. |
Upfront fees not required | Currently not available mobile application. |
Start your coverage to $0 payment |
Compared Hugo and Another Insurance Companies
Hugo is a newbie company in the largest insurance market. It offers fairly easy and exceptional auto insurance coverage. But, the biggest market has plenty of competition, depending on coverage service, affordability, rating and customer satisfaction. Hugo’s most of the competitors include companies like Erie, Nationwide, Mile Auto, Root and State Farm.
Company | Liability | Full Coverage | Rating |
Hugo | $48 | $56 | 4.8 |
Erie | $61 | $97 | 3.6 |
Nationwide | $84 | $183 | 3.3 |
Mile Auto | $53 | $93 | 2.5 |
Root | $62 | $89 | 4.4 |
State Farm | $83 | $111 | 2.8 |
Is Hugo Insurance Right for Me?
Whether Hugo insurance is right for you as a driver can be said depends on what you want. Most importantly, if you want to drive occasionally and need the flexible offers with 3, 7, 14 or 30 days coverage that provide the offer to pause and resume coverage, then Hugo auto insurance may be the best car insurance for you.
How to turn Hugo Auto Insurance Stop and Restart ?
Hugo typically offers three car insurance plans: Flex, Basic, and Full Unlimited coverage. Hugo Flex plan is a liability only pay as you choose the policy for occasionally driving your vehicle. Unlimited Basic plan policies perfect for people who drive daily and expect liability coverage. Although full-coverage plans provide budget-friendly auto insurance with all the facilities.
You can turn Hugo insurance policy on or off using a toggle function on the insurer’s site on any days when you need to. If you take Flex plan, you can easily pause your policies and won’t pay until restarting the policy. Additionally, Flex plan policy doesn’t require a coverage cancellation fee.
Keep in mind, If ever you turn pause Unlimited Basic or Full-coverage may be with a state penalty or rate increase for you. Because it’s canceling coverage rather than pausing it, like violation of policy. Don’t worry, when you close your auto insurance coverage. If you have any remaining balance in your account, you can easily withdraw your funds through the Hugo site.
Methodology
We analyzed more than 90 million quotes served to car insurance applicants to calculate the premium averages displayed on this page. These premiums were real car insurance quotes that we collected from 17 + other insurance companies in all states. As mentioned all quotes averages rate the median price for a car insurance quote across the given policy level, driver behavior and geographic areas.
Otherwise, driver specified age, quoted costs may reflect the average rate for drivers between 20 and 70 years-old from a clean driving record or DUI to average cheaper coverage.
FAQs of Hugo auto insurance
If you are interested in knowing more about the Hugo Insurance company? Here, we are answers to some of the often every insurer’ common questions about the Hugo insurance.
Is Hugo a legitimate company?
Hugo is a registered and legitimate insurance company of the government. The company received positive ratings from insurer’s of fast customer satisfaction at the brief time. However, Being it a new company, available in only 13 states from 2021.
Who is Hugo Insurance suitable for?
Who drives their car occasionally and unwilling to pay premiums on non-driving days, Hugo is perfect car insurance for them. Because it offers a micropayment system and short-term insurance policy.
How much is the average cost of Hugo auto insurance?
Hugo car insurance policy rates vary depending on different factors, including where you live, your driving history, driver age, coverage range etc. Hugo’s has three plans: which one do you choose? It’s a primary factor for determining average cost.
Is Hugo able at paying claims?
Hugo insurance earned plenty of satisfaction and positive ratings from customers in a short time. It doesn’t have the financial strength of insurance giants like Erie or Root, and It has not yet been rated by agency organizations such as AM Best (American credit rating agency). But Hugo’s transaction statistics record of positive reviews and customer satisfaction indicates that it is able to pay the claim. However, consider checking the details before purchasing the quote.
How can I get a Hugo car insurance quote?
To get a Hugo car insurance quote, you can submit a quote request with your local agent, approved by the company. Select your comfortable plan from Hugo to apply for your car insurance.
Daniel Jack is a senior finance and insurance writer and analyst at The US Pedia. For more than 8 years, he has been helping consumers learn about the finance, insurance and banking related. Daniel enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. He completed his MBA (Master of Business Administration) from the University of Chicago.