Is Hugo Insurance legit? A Complete unbiased Review

Is Hugo Insurance legit?

Hugo Insurance is a car insurance company that aims to redefine the landscape of car insurance.

What sets Hugo apart from its competitors are its innovative offerings, such as micropayments, on-demand coverage, and flexible pay-as-you-go plans.

Unlike traditional insurers, Hugo provides customers with the convenience of making smaller, more manageable payments.

With on-demand coverage, policyholders have the flexibility to activate or deactivate their insurance as needed, aligning with their specific driving patterns.

Additionally, Hugo’s pay-as-you-go plans require zero down payments and guarantee transparency by eliminating hidden fees.

Through these customer-centric features, Hugo Insurance strives to create a modern and customer-friendly experience in the realm of car insurance.

Hugo Insurance: A Trusted Choice for Drivers
Hugo Insurance: A Trusted Choice for Drivers

What is Hugo Insurance?

Hugo Insurance is an emerging online insurance provider accessible through

With a focus on simplicity, Hugo offers personalized car insurance based on individual driving habits.

Whether you drive frequently or infrequently, Hugo allows you to tailor your coverage with options like pay-as-you-go plans and unlimited driving plans, ensuring competitive pricing that aligns with your specific needs.

At Hugo Insurance, the goal is to streamline the car insurance experience.

Their user-friendly online platform enables quick sign-up in under 6 minutes, making the process hassle-free.

Additionally, Hugo Insurance stands out by eliminating the requirement for a down payment, further enhancing convenience for customers.

Currently, Hugo Insurance is available in several states, including California, Arizona, Texas, Florida, South Carolina, Georgia, Alabama, Mississippi, Tennessee, Illinois, Indiana, Ohio, and Pennsylvania.

The company has plans to expand its services to Kentucky and Virginia shortly, with ambitions to extend coverage nationwide.

Hugo Insurance has received support from notable investors, including Founders Fund and Canaan, which lends credibility to the company’s vision.

Headquartered in Santa Monica, California, Hugo Insurance strives to offer a modern and customer-centric approach to car insurance.

Hugo Insurance Headquarters

The Hugo Insurance headquarters is at 225 Santa Monica Blvd Fl 11, Santa Monica, California, 90401, United States

How Does Hugo Work for Car Insurance?

Hugo Insurance Enrollment in 3 Easy Steps
Hugo Insurance Enrollment in 3 Easy Steps

Hugo Insurance was established with a clear objective: to simplify the process of obtaining car insurance.

With Hugo Insurance, purchasing car insurance can be done entirely online, allowing you to sign up in less than 6 minutes and without the need for an upfront down payment.

When enrolling for the first time, the process is straightforward and efficient.

Step 1) Sign up and create your account, which typically takes less than 2 minutes.

Step 2) Choose from a range of plans that cater to different driving needs, including the Flex, Unlimited Basic, and Unlimited Full plans.

These plans are designed to accommodate various mileage requirements, making them suitable for both low-mileage and high-mileage drivers.

Once you’ve selected the plan that best suits your needs, proceed to the checkout.

Hugo Insurance offers the flexibility to purchase coverage for as little as three days or opt for a long-term plan.

Step 3) Get on the road. Hugo Insurance promptly provides you with your proof of insurance and other essential policy documents with just a click, allowing you to begin driving immediately.

In essence, you can complete the entire process of purchasing insurance through Hugo Insurance and be ready to hit the road in under 6 minutes.

Hugo Insurance’s streamlined approach aims to make acquiring car insurance quick and convenient, ensuring you can get insured promptly and focus on enjoying your driving experience.

Hugo Auto Insurance Coverage Options

Hugo Auto Insurance Coverage Options
Hugo Auto Insurance Coverage Options

Hugo Insurance provides customers with a range of coverage options to choose from, including Flex, Unlimited Basic, and Unlimited Full.

Here’s a breakdown of each coverage option:

1. Flex

  • designed for individuals who don’t drive daily and prioritize liability coverage.
  • offers flexibility in payment, allowing you to purchase insurance for specific days, weeks, or months.
  • You only pay for the days you drive, saving money when your vehicle is not in use.
  • There are no upfront down payments or hidden fees.
  • Conveniently manage your coverage and make changes through the Hugo Insurance mobile app or online platform.
  • Instantly receive proof of insurance.
  • Refill your coverage anytime as needed.

2. Unlimited Basic

  • geared towards individuals who drive regularly and require liability coverage at a competitive price.
  • No upfront fees are required.
  • Similar to the Flex plan, it offers flexible payment options for purchasing insurance based on your preferred duration
  • The auto-reload feature ensures seamless coverage continuation without additional costs.
  • provides a coverage extension, giving you a few extra days to make your payment while remaining protected.
  • allows you to easily manage your coverage and make adjustments via the Hugo Insurance mobile app or online platform.
  • Instantly receive proof of insurance.

3. Unlimited Full

  • It is suitable for individuals seeking comprehensive coverage while maintaining a budget-friendly payment plan.
  • Like the other plans, there are no upfront fees.
  • offers the flexibility to choose the duration of coverage, whether it’s days, weeks, or months.
  • The auto-reload feature ensures uninterrupted coverage without any extra charges.
  • Similar to the Unlimited Basic plan, it provides a coverage extension, giving you additional days to make your payment while staying protected.
  • allows easy management of coverage and adjustments through the Hugo Insurance mobile app or online platform.
  • Instantly receive proof of insurance.

Each plan can be customized to meet your specific insurance needs.

For instance, you can opt for liability-only coverage to comply with legal requirements or select full coverage for comprehensive protection and peace of mind.

Hugo Insurance aims to provide flexibility and options that cater to your unique insurance preferences.

Hugo Auto Insurance Features

Hugo Insurance stands out among auto insurance companies with its range of unique features and offerings.

Here are some of the distinctive features available with Hugo Insurance:

Hugo Auto Insurance Features
Hugo Auto Insurance Features

1. Flexible Duration: With Hugo Insurance, you have the flexibility to purchase insurance coverage for days, weeks, or months at a time. This pay-as-you-go approach allows you to customize your coverage based on your specific needs and driving patterns.

2. Pay for Usage: As part of the pay-as-you-go model, Hugo Insurance enables you to pay only for the days you actually use your car. This means you can avoid paying for insurance on days when you don’t require coverage, offering you greater control and a simplified daily rate.

3. Micropayments: Rather than making a lump-sum upfront payment or fixed monthly payments, Hugo Insurance offers the convenience of micropayments. You pay for the insurance you use, making it more manageable and budget-friendly.

4. Coverage Pause: Hugo Insurance goes a step further by allowing you to turn off coverage completely when you don’t anticipate driving for a certain period. This feature gives you the flexibility to suspend coverage temporarily and pay nothing during that time.

5. Instant Cash Rewards: Hugo Insurance provides instant cash rewards, offering a unique way to maintain competitive pricing for your auto insurance, regardless of your circumstances. These rewards contribute to a cost-effective and customer-friendly experience.

6. Availability in Multiple States: While rapidly expanding, Hugo Insurance is currently available in 13 states, including California, Arizona, Texas, Florida, South Carolina, Georgia, Alabama, Mississippi, Tennessee, Illinois, Indiana, Ohio, and Pennsylvania. The company aims to extend its coverage to more states in the future.

7. Instant Proof of Insurance: Hugo Insurance understands the importance of immediate proof of insurance. By signing up online, you can receive instant proof of insurance within minutes, eliminating the need to wait for physical documents to arrive by mail.

8. $0 Down Payment: Unlike many insurance providers, Hugo Insurance offers valid insurance coverage without requiring a down payment. This allows customers to secure coverage without any upfront costs.

9. Three Plans for Different Driving Needs: Hugo Insurance caters to various types of drivers with its three distinct on-demand insurance plans: Flex, Unlimited Basic, and Unlimited Full. These plans offer coverage options that align with different driving patterns and preferences.

10. Mobile Policy Control: With Hugo Insurance, you have convenient control over your policy through their mobile app. You can easily make changes, customize your coverage, and manage your policy online, all from the convenience of your phone or any internet-connected device.

Hugo Insurance’s array of unique features is designed to simplify the insurance process, provide flexibility, and offer a customer-centric experience.

Hugo Auto Insurance Discounts

At Hugo Insurance, car insurance is tailored to your specific needs, and the available discounts can vary from driver to driver. Here are some of the ways you can save money on Hugo Insurance through various discounts:

Hugo Auto Insurance Discounts
Hugo Auto Insurance Discounts

1. Pay-as-you-go discounts: As a pay-as-you-go insurance provider, Hugo Insurance offers discounts that reward customers for their flexible coverage. By only paying for the days you drive, you can potentially save money compared to traditional fixed-term policies.

2. Cash Rewards Discounts: Hugo Insurance provides instant cash rewards, allowing you to earn savings that contribute to a competitive price for your auto insurance. These rewards can help reduce your overall insurance costs.

3. Liability-only coverage discounts: Opting for liability-only coverage, which typically covers damage to others’ vehicles and property in accidents you cause, may qualify you for discounts. This type of coverage can be a more affordable option compared to full-coverage policies.

4. Safe Driving Discounts: Hugo Insurance recognizes and rewards safe driving habits. By maintaining a clean driving record with no accidents or violations, you may be eligible for safe driving discounts. These discounts can help reduce your insurance premiums.

5. Vehicle Safety Feature Discounts: If your car is equipped with safety features such as anti-lock brakes, airbags, or anti-theft devices, Hugo Insurance may offer discounts as a reward for the added safety measures. These discounts reflect the reduced risk associated with safety-equipped vehicles.

It’s important to note that the specific discounts and eligibility criteria may vary based on factors such as your location, driving history, and the coverage options you choose.

To obtain accurate information about available discounts and potential savings with Hugo Insurance, it’s recommended to contact their customer service or visit their official website.


Is Hugo worth it?

Whether Hugo Insurance is worth it depends on your preferences, driving habits, and budget. Here are some factors to consider:

Hugo insurance may be a good option if:

Hugo insurance pros
Hugo insurance pros

1. Pay-as-you-go Flexibility: If you prefer to pay for car insurance only on the days you drive and save money when you don’t, Hugo Insurance’s pay-as-you-go model can be advantageous.

2. Infrequent Driving: If you drive infrequently and qualify for low mileage discounts, Hugo Insurance’s customization options may be beneficial for your specific driving habits.

3. No Down Payments or Hidden Fees: If you want to avoid upfront down payments, hidden fees, and long-term contracts associated with traditional insurance plans, Hugo Insurance’s transparent approach may be appealing.

4. Online Policy Management: If you value the convenience of managing your coverage from your phone and making changes online, Hugo Insurance’s mobile app and online platform can provide the flexibility you desire.

5. Quick Sign-Up and Instant Proof of Insurance: If you prioritize a streamlined insurance experience and the ability to get proof of insurance instantly, Hugo Insurance’s fast sign-up process in under 6 minutes can be advantageous.

On the other hand, Hugo Insurance may not be the best choice if:

Hugo insurance cons
Hugo insurance cons

1. Coverage Options: If you require coverage options beyond liability, comprehensive, and collision, Hugo Insurance’s limited coverage offerings may not meet your specific needs.

2. Limited Availability: If you live in a state where Hugo Insurance is unavailable or has limited plans, it may not be a viable option for you.

3. Fixed Monthly Rate Preference: If you prefer the stability of paying a fixed monthly rate and having a consistent premium rather than paying for insurance on a per-day basis, Hugo Insurance’s variable payment structure may not align with your preferences.

4. Frequency of Claims or Poor Driving Record: If you frequently need to file claims or have a poor driving record, it’s essential to assess whether Hugo Insurance’s rates and coverage options align with your specific circumstances.

Ultimately, it’s crucial to carefully evaluate your own needs, preferences, and the terms and conditions of Hugo Insurance before making a decision.

Comparing quotes and considering other insurance providers can also help you determine if Hugo Insurance is the right fit for you.

Is Hugo Auto Insurance legit? Hugo Auto Insurance Reviews

Hugo Insurance is indeed a legitimate and licensed auto insurance company headquartered in Santa Monica, California.

The company has garnered strong early reviews from drivers across the country.

On Trustpilot, Hugo Insurance has received over 6,200 reviews, boasting an impressive average rating of 4.8 stars out of 5.

This high rating makes it one of the best-rated insurers on the platform. Notably, the majority of customers (91%) have awarded the company a 5-star rating.

Customers generally express satisfaction with Hugo Insurance’s claims process, customer service, and overall user-friendly experience.

However, some customers have voiced dissatisfaction regarding limited coverage options, particularly the difficulty or cost associated with adding collision or comprehensive coverage in certain states.

It is crucial to carefully review your plan to understand any restrictions or limitations.

Numerous customers praise the seamless signup process, ease of payment, and ability to customize coverage according to their needs.

Drivers of all ages have reported successful online sign-ups, personalized coverage options, and competitive rates.

The speed at which customers can obtain auto insurance and proof of coverage is another highlight, with many customers stating that they received their auto insurance within as little as 10 minutes after signing up on the official Hugo Insurance website.

Considering these positive reviews and experiences shared by customers, it appears that Hugo Insurance has made a positive impression in terms of customer satisfaction, user friendliness, and efficiency in providing auto insurance coverage.

The phone number for Hugo Insurance

For those who want to call Hugo Insurance, their phone number is (888) 398-9383

How can you get a Hugo insurance card?

These are the steps needed to access your digital Insurance Card with Hugo

Hugo has adopted an eco-friendly approach to insurance.

Instead of traditional paper cards, they offer digital proof of your insurance coverage.

How can you get a Hugo insurance card?
How can you get a Hugo insurance card?

Here’s how you can access it:

1. Access Your Digital Card

  1. Start by logging into your member account.
  2. Once in, click on the ‘Proof of Insurance’ section you’ll find on your dashboard. This digital card represents your active coverage. It’s worth noting that this card gets updated frequently to mirror your latest coverage status.
  3. You can also navigate to ‘My Insurance‘ on the menu bar, followed by selecting ‘Proof of Insurance. Remember, this proof is available only when your insurance coverage is active.

2. Obtain a Temporary Card for Registration Purposes

  1. After logging into your Member Account, select the ‘Proof of Insurance’ section.
  2. Scroll through until you find the “Proof of Insurance for Registration” option and click on it.
  3. This temporary card is accessible for up to 7 days after you first sign up with Hugo, as well as after any policy renewals or rewrites. In the event of changes, like adding a new driver or a new vehicle to your policy, an updated card will be provided for an additional 7 days.

3. Request Proof via Text

For a quick access option

Simply text “PROOF” to Hugo.

In no time, you’ll receive a current and valid digital insurance card right on your phone.

Hugo insurance app for iPhone and Android

Here is the link to the Hugo Insurance Android app 

Here is the link to the Hugo Insurance iPhone app 

Hugo Insurance Services’s Social Media: X/Twitter, Facebook, LinkedIn

Here are their social media accounts:

Hugo insurance LinkedIn 

Hugo insurance Facebook 

Hugo insurance Twitter 

Frequently Asked Questions About Hugo

How much does Hugo insurance cost?

Hugo Insurance determines its rates based on various factors, including your vehicle, driving record, location, credit score, and the type of plan you choose.

Rather than charging a fixed monthly premium, Hugo Insurance utilizes a daily rate that can vary depending on these factors.

Online reviews indicate that the average daily rate for the Flex plan ranges from $1 to $5, while the Unlimited Basic and Unlimited Full plans average between $3 to $10 per day.

However, it’s important to note that these rates are not necessarily applicable to every individual and may change over time.

To obtain an accurate and personalized cost estimate for Hugo Insurance, it is recommended to request a quote online at

By providing the necessary information, you can receive a quote that reflects your specific circumstances, allowing you to determine the actual cost of Hugo Insurance based on your unique factors and coverage preferences.

How do you file a claim with Hugo?

To file a claim with Hugo Insurance, you can follow these steps:

1. Visit the Hugo Insurance website and scroll to the bottom of the screen.

2. Click on the “Help” section, which will provide assistance and support options.

3. Look for the option to “File a claim” and select it. This should direct you to the necessary information and contact details.

4. Locate the phone number provided for filing a claim. The specific phone number may vary depending on your location.

5. Call the designated claims phone number and provide the required information. This typically includes your policy number, details of the accident or incident, and any supporting documents or photos that can help in the claims process.

6. Once you have provided all the necessary information, Hugo Insurance will assign a claims adjuster to handle your case. The claims adjuster will review your claim, investigate the circumstances, and assess the coverage.

7. Throughout the claims process, Hugo Insurance will keep you updated on the status of your claim, providing information on the progress and any additional actions required.

It’s important to note that the specific process and details for filing a claim with Hugo Insurance may be subject to change. For the most accurate and up-to-date instructions, it is recommended to refer to the Hugo Insurance website or contact their customer support directly.


Is Hugo Insurance legit: How do you cancel your Hugo insurance policy?

To cancel your Hugo insurance policy, you can follow these steps:

1. Visit the Hugo Insurance website and log in to your account using your credentials.

2. Navigate to the “Settings” tab, which is typically located in your account dashboard or profile section.

3. Look for the option to “Cancel Policy” and click on it. This should initiate the cancellation process.

4. Follow the instructions provided to confirm your cancellation. You may be required to provide a reason for leaving, which is typically done through a drop-down menu or text input field.

5. Once you have confirmed the cancellation, Hugo Insurance will process your request. They will calculate any unused days remaining in your account and initiate a refund if applicable.

6. After the cancellation is processed, you should receive a confirmation email from Hugo Insurance. This email will provide the details of your cancellation and any relevant information regarding refunds or account adjustments.


Does Hugo partner with First Acceptance?

Hugo Insurance has formed partnerships with various insurance companies, and these partnerships may vary by state.

In Ohio and Indiana, Hugo Insurance transitioned its insurance partner from SafeAuto to First Acceptance starting on 05/03/2023.

Following the switch to First Acceptance as the insurance partner, Hugo Insurance ceased offering services for new SafeAuto policies in these states. However, customers who had existing SafeAuto policies were given two options:

1. Renew with National General: Customers with existing SafeAuto policies had the option to renew their coverage with National General, the parent company of SafeAuto. This allowed them to continue their insurance without any interruption.

2. Restart Coverage with Hugo and First Acceptance: Alternatively, customers with existing SafeAuto policies could choose to restart their coverage with Hugo Insurance under a new policy provided by First Acceptance. This option allowed them to transition their coverage to Hugo Insurance’s new partner and take advantage of the benefits offered through First Acceptance.


Does Hugo sell SR-22 coverage?

Currently, Hugo Insurance does not provide SR-22 coverage.

An SR-22 is a certificate of financial responsibility that certain drivers are required to obtain to demonstrate they have the minimum required insurance after a significant violation, like a DUI or driving without insurance.

Unfortunately, Hugo Insurance does not offer this service and is unable to file an SR-22 on behalf of its customers.

If you require an SR-22, it is necessary to seek assistance from another insurance company that specializes in providing SR-22 coverage.

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