Hugo Car Insurance Review (Is It Legit Or Scam?) 2024

Are you tired of searching for a reliable car insurance provider that won’t burn a hole in your pocket? Look no further than Hugo Car Insurance. But wait, is Hugo Car Insurance legit? That’s the question on every cautious car owner’s mind.

In a world of rampant scams and fraud, it’s natural to be skeptical about a new player in the insurance industry. That’s where we come in – to give you an honest and comprehensive review of Hugo Car Insurance.

In this blog post, we’ll dig deep into the company’s history, policies, and customer reviews to help you make an informed decision. So, fasten your seatbelts and join us on this ride to discover if Hugo Car Insurance is the real deal.

What is Hugo Car Insurance? (Detailed Review)

hugo car insurance logo

Hugo Car Insurance is a relatively new player in the auto insurance market, having released its beta platform in 2020 and officially launching in January 2021.

The company’s mission is to make financial stability achievable for every American by building cutting-edge technology that makes insurance affordable and empowers millions to thrive no matter what life throws at them.

Hugo’s flagship product is the world’s first pay-as-you-drive liability insurance, called Hugo, which eliminates hefty upfront fees and lets drivers pause their coverage whenever they want by simply texting the company.

The company’s management team comprises a tight-knit group of engineers, insurance geeks, data junkies, and community builders who are on a mission to make sustainable financial services that lift all consumers.

Hugo Car Insurance is available to drivers in nine states, including Alabama, California, Florida, Georgia, Indiana, Illinois, Ohio, South Carolina, and Tennessee. Its exact policy offerings vary from state to state.

Also read: Karz Insurance review

How does Hugo Car Insurance work? (Fees, Duration and more)

Hugo Car Insurance is a unique and flexible option for drivers who want to pay for only the necessary coverage. With no up-front fees, policyholders can make “micropayments” for coverage for three days up to six months, depending on their plan.

Getting coverage takes just a few minutes, and there is a $0 down payment. However, whether Hugo is the right fit for you as a driver depends on several factors; if you drive every day and don’t need the flexibility that comes with the ability to pause or turn off coverage, Hugo may not be the best insurance company for you.

Additionally, there may be better fits than Hugo if you want to customize your policy and specify exact coverage types and amounts. However, Hugo could be an excellent option if you’re looking for flexible, affordable auto insurance and only drive occasionally.

Hugo Car Insurance Coverage and Plans:

hugo car insurance review

Hugo Car Insurance offers three different coverage options: Flex, Basic, and Full. The Flex plan allows drivers to purchase three, seven, 14, or 30 days of coverage at a time and turn their coverage on or off as needed.

The Basic plan is similar to the Flex plan, but it doesn’t allow drivers to start and stop coverage at will. Drivers can purchase coverage in the same intervals of three, seven, 14, or 30 days and for a full six months.

Additionally, the Basic plan includes liability coverage, medical coverage, and accidental death coverage. Finally, the Full plan is a “full-coverage” policy, which means that the policy consists of not only liability insurance but also comprehensive collision, medical, and accidental death coverage.

Drivers can purchase coverage in intervals of three, seven, 14, or 30 days or six months. With these three options, Hugo Car Insurance provides drivers with flexibility and coverage that meets their specific needs.

Hugo Car Insurance Cost in Different States:

The cost of car insurance is a significant factor when choosing an insurance provider, and the price can vary widely depending on the state you live in. Hugo car insurance offers liability-only coverage in nine states, and the average monthly cost for this coverage varies from state to state.

For example, drivers in Alabama can expect to pay an average of $82 per month, while those in Florida will pay around $201. Meanwhile, drivers in Illinois can expect to pay an average of $114 per month, and those in Georgia will pay about $180 monthly.

Before purchasing a car insurance policy, it’s essential to compare prices and coverage options from various providers to ensure you’re getting the best deal for your needs and budget.

The below table shows the average Hugo Car Insurance cost for different states:

StatesAverage Insurance Cost
South Carolina$212

Hugo Car Insurance cost according to Driving History:

Hugo’s car insurance rates are also affected by your driving history. Suppose you have a clean driving record with no accidents or traffic violations. In that case, you can expect to pay an average of $211 monthly for full coverage and $162 for liability-only coverage.

However, your rates may increase significantly if you have a speeding ticket or have been in an at-fault accident. On average, a speeding ticket can increase your rates to $283 per month for full coverage and $217 for liability-only coverage.

Being in an at-fault accident can increase your rates to an average of $302 per month for full coverage and $232 per month for liability-only coverage. And, if you have a DUI on your record, you can expect to pay an average of $420 per month for full coverage and $322 per month for liability-only coverage with Hugo.

Hugo Car Insurance Cost by Drivers Age:

hugo car insurance review

Age is an essential factor influencing car insurance rates, and this is also true with Hugo. Teenagers and young drivers under 25 typically pay more for car insurance than middle-aged drivers.

According to Hugo’s data, 18-year-old drivers spend an average of $302 monthly for full coverage, while 25-year-old drivers pay an average of $184. Drivers in their 30s and 40s pay even less, with rates dropping to an average of $164 and $152 per month, respectively.

Drivers over 50 see the most significant drop in rates, with an average of $108 per month for drivers in their 50s and 60s. However, rates start to increase slightly for drivers in their 70s, with an average of $124 per month.

Hugo Car Insurance Customer Review and Ratings:

Customer reviews and ratings are essential when choosing an insurance company. Hugo car insurance has mixed reviews from different sources. While Trustpilot ratings are generally positive, with an average rating of 4.9 out of 5 stars, other review sites have lower ratings.

For example, Consumers Advocate rates Hugo Insurance at 3.8 out of 5 stars. Some customers have complained about difficulties in getting in touch with Hugo representatives. Other customers have praised Hugo’s affordable rates and flexible coverage options despite this.

Overall, when considering Hugo car insurance, it is essential to consider both positive and negative customer reviews to make an informed decision.

The Pros and Cons of Hugo Car Insurance:

Hugo Car Insurance offers unique advantages for drivers looking for flexible, pay-as-you-go coverage. The ability to start and stop coverage as needed can appeal to people who work from home or drive infrequently. However, there are some downsides to consider.

Here are some pros and cons of Hugo Car Insurance:


  • Hugo offers a unique and flexible pay-as-you-go insurance model, allowing drivers to purchase coverage for shorter periods and turn it on or off as needed. This makes it an ideal option for people who work from home or don’t drive frequently.
  • The company also provides a convenient online platform that allows customers to manage their policies and make changes quickly.
  • Hugo’s website features positive reviews from Trustpilot, indicating high customer satisfaction.


  • While Hugo’s flexible insurance model can be a pro for some, there may be more affordable options for daily drivers needing coverage for extended periods.

How to File a Car Insurance Claim with Hugo?

Filing a car insurance claim can seem like a daunting task, but it’s a necessary step to take after an accident. Hugo makes it easy to file a claim by providing a simple process. First, head to the company’s website and click the “Help” button in the footer.

From there, select “File a Claim” and choose your state. This will direct you to the correct phone number to get help submitting your claim. It’s essential to have all the necessary information, including details of the incident, the other party’s contact information, and photos of any damage.

Once your claim has been submitted, Hugo will review the information and determine whether or not to approve the claim. Overall, Hugo’s streamlined process makes filing a claim simple and stress-free.

Hugo Insurance Claims and Customer Care Phone Number:

Suppose you are a Hugo car insurance policyholder and need assistance filing a claim, updating your policy, or having other questions or concerns. In that case, you can contact their customer care team at 515-303-2410.

This number is available Monday to Friday, from 8:00 am to 8:00 pm Central Time. You can also find information on filing a claim on the Hugo website, helpful articles, and frequently asked questions.

Hugo strives to provide its customers with quality customer service and quick claims processing, so if you need to file a claim or have any questions, don’t hesitate to reach out to their customer care team.

Is Hugo Car Insurance Legit?

Hugo Car Insurance is a legit and reliable car insurance provider. The company has a valid license to operate in the states where it is available and has been in business since 2020.

Hugo has received positive reviews from various sources, including Trustpilot and GetApp, with customers praising the company’s user-friendly interface and flexible coverage options.

Hugo is also backed by reputable insurance companies, such as Founders Fund and Canaan Partners, which provide the actual coverage. Hugo Car Insurance is a legitimate option for drivers seeking flexible and affordable coverage.


In conclusion, Hugo Car Insurance is an innovative, pay-as-you-go insurance provider that offers flexible coverage for drivers who work from home or drive infrequently.

While it may not be the most affordable option for daily drivers and is only available in nine states, it provides a unique approach to car insurance that can benefit those who need coverage that aligns with their usage patterns.

Hugo’s partnership with top investors, Founders Fund, and Canaan also represents its potential in the insurance industry. At the end, Choosing Hugo or any other insurance provider comes down to personal needs and preferences.

When selecting an insurance provider, it’s essential to consider coverage options, pricing, customer service, and the provider’s reputation. Hugo Car Insurance is a legit and reliable car insurance provider that can offer value to drivers who fit their coverage profile.


Can a policy be customized with Hugo Car Insurance?

Hugo Car Insurance offers limited options to customize policy coverage types and amounts. While you can choose between liability-only coverage and full coverage, few additional options are available for drivers.

Can I cancel my Hugo Car Insurance policy at any time?

Yes, you can cancel your Hugo Car Insurance policy at any time. As a pay-as-you-go insurance provider, you can start and stop coverage as needed. To cancel your policy, log in to your account on the Hugo website and follow the instructions.

Does Hugo Car Insurance offer discounts for safe driving?

Yes, Hugo Car Insurance provides discounts for safe driving. If you have a clean driving record and no history of accidents, your rates may be lower than drivers with speeding tickets, at-fault accidents, or DUIs on their roster.

How can I get in touch with Hugo Car Insurance customer service?

You can contact Hugo Car Insurance customer service by calling their customer care number at 515-303-2410 or by visiting their website and clicking the “Help” button in the footer.

What states is Hugo Car Insurance available in?

Hugo Car Insurance is available in nine states: Alabama, Arizona, Florida, Georgia, Illinois, Ohio, Pennsylvania, South Carolina, and Tennessee.

Olivia is a finance expert with years of experience in the industry. She is passionate about helping people make informed decisions about their finances, and her expertise lies in the areas of loans and insurance policies.

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