Is Hugo Insurance Legit?

Last Updated on May 25, 2023

Hugo Insurance is a car insurance company founded with the goal of creating a new future of car insurance.

Hugo differentiates itself from competitors with micropayments, on-demand coverage, and pay-as-you-go auto insurance plans with zero down payments and zero hidden fees.

Key Takeaways:

• Hugo Insurance is a new car insurance company offering micropayments, on-demand coverage, and pay-as-you-go plans with zero down payments and hidden fees.
• Hugo Insurance has three coverage options: Flex, Unlimited Basic, and Unlimited Full, designed for different types of drivers and their needs.
• Hugo Insurance allows customers to control their policy from their phone, make changes online, and get proof of insurance instantly.
• Hugo Insurance has received positive reviews from customers who appreciate its simplicity, flexibility, and affordability.

What Is Hugo Insurance?

Hugo Insurance is a new insurance company found online at WithHugo.com.

The company customizes car insurance based on how often you drive. You can buy pay-as-you-go coverage, unlimited driving plans, and other unique options to ensure you’re paying a competitive price regardless of how often you drive.

Overall, the goal of Hugo Insurance is to make car insurance simple. You can sign up online in under 6 minutes. Plus, Hugo Insurance doesn’t require a down payment.

Hugo Insurance is currently available in California, Arizona, Texas, Florida, South Carolina, Georgia, Alabama, Mississippi, Tennessee, Illinois, Indiana, Ohio, and Pennsylvania. The company plans to launch soon in Kentucky and Virginia before expanding throughout the United States.

Hugo Insurance is backed by Founders Fund and Canaan. The company is based in Santa Monica, California.

How Does Hugo Work for Car Insurance?

Hugo Insurance was founded with the goal of simplifying car insurance. You buy car insurance online and can sign up in under 6 minutes without making a down payment. Hugo Insurance offers plans for every budget, including its Flex, Unlimited Basic, and Unlimited Full plans.

Here’s how Hugo Insurance works when signing up for the first time:

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

Step 2) Select your plan from Flex, Unlimited Basic, and Unlimited Full plans based on your unique driving needs. Some plans are ideal for low-mileage drivers. Other plans are ideal for high-mileage drivers, and some are available for drivers in between. You choose the plan for your needs, then check out. You can buy as little as three days’ worth of coverage through Hugo Insurance. Or, you can sign up for a long-term plan.

Step 3) Start driving. Hugo Insurance provides your proof of insurance and other policy documents with a click, and you’re ready to start driving immediately. Overall, you can buy insurance through Hugo Insurance and start driving in under 6 minutes.

Hugo Auto Insurance Coverage Options

Hugo Insurance allows customers to choose from one of three coverage options, including Flex, Unlimited Basic, and Unlimited Full.

Here are the three coverage options and how they work:

Flex

• Ideal for those who don’t drive every day and want liability coverage
• Flexible payments, allowing you to buy days, weeks, or months’ worth of auto insurance
• Use days when you drive, save days when you don’t
• No down payments or hidden fees
• Control coverage from your phone and make changes online
• Refill anytime
• Get proof of insurance instantly

Unlimited Basic

• Ideal for those who drive most days and want liability coverage at a competitive price
• No upfront fees
• Flexible payments, allowing you to buy days, weeks, or months’ worth of auto insurance
• Auto reload at no extra cost
• Coverage extension, allowing you to stay covered and get a few extra days to pay
• Control coverage from your phone and make changes online
• Get proof of insurance instantly

Unlimited Full

• Ideal for those who want full coverage on a budget-friendly payment plan
• No upfront fees
• Flexible payments, allowing you to buy days, weeks, or months’ worth of auto insurance
• Auto reload at no extra cost
• Coverage extension, allowing you to stay covered and get a few extra days to pay
• Control coverage from your phone and make changes online
• Get proof of insurance instantly

You can customize each plan based on your unique insurance needs. You might choose liability-only coverage, for example, to allow you to legally drive on the road. Or, you might choose a full coverage policy for better protection and peace of mind.

Hugo Auto Insurance Features

Hugo Insurance is one of the most unique auto insurance companies available today, and the company offers a range of features not seen with other providers. Some of the unique features available with Hugo Insurance include:

Buy Insurance for Days, Weeks, or Months: Hugo Insurance offers pay-as-you-go insurance coverage, allowing you to buy a few days, weeks, or months’ worth of insurance at a time.

Pay for Days You Use Your Car: As part of Hugo Insurance’s pay-as-you-go coverage, you can pay for days you need insurance and avoid paying on days you don’t need insurance. If you only drive your car on Saturday and Sunday, for example, you can pay for insurance on those days and avoid paying on other days, giving you greater flexibility and a simple daily rate.

Flexible Micropayments: With Hugo Insurance, you pay for the insurance you use. Instead of paying a lump sum upfront or a fixed monthly rate, you make micropayments towards your insurance policy.

Turn Off Coverage and Pay Nothing: Hugo Insurance even allows you to turn off coverage completely and pay nothing. For example, if you don’t anticipate driving for a period, you can turn off coverage.

Instant Cash Rewards: Hugo Insurance provides instant cash rewards, making it easy to continue paying a competitive price for your auto insurance regardless of your situation.

Available in Select States: Hugo Insurance is growing fast and expanding across the United States. As of mid-2023, the company is available in 13 states, including California, Arizona, Texas, Florida, South Carolina, Georgia, Alabama, Mississippi, Tennessee, Illinois, Indiana, Ohio, and Pennsylvania.

Instant Proof of Insurance: Need proof of insurance ASAP? You can sign up online through Hugo Insurance, then get proof of insurance in under 6 minutes. Instead of waiting for a document to arrive in the mail, you can enjoy instant proof of insurance.

$0 Down Payment Insurance: Most insurance companies, including most pay-as-you-go insurers, require you to make a down payment. Hugo Insurance is one of the few offering valid insurance with a $0 down payment.

3 Plans Available for All Types of Drivers: Whether you drive daily or infrequently, there are Hugo Insurance plans for you. The company offers three on-demand insurance plans, including Flex, Unlimited Basic, and Unlimited Full.

Control Policy from Your Phone: You can control your Hugo Insurance policy from your phone, make changes online, automatically reload, and customize your coverage however you like. Whether you need to add coverage today, for example, or need to pause coverage immediately, you can easily manage your policy from your phone or any internet-connected device.

Hugo Auto Insurance Discounts

Hugo Insurance customizes car insurance based on your unique needs, and discounts vary from driver to driver.

However, you can save money on Hugo Insurance through discounts like:

• Pay-as-you-go discounts
• Cash rewards discounts
• Liability-only coverage discounts
• Safe driving discounts
• Vehicle safety feature discounts

Is Hugo Worth It?

Whether Hugo insurance is worth it depends on your preferences, driving habits, and budget. Hugo insurance may be a good option for you if:

• You want to pay only for the days you drive and save money when you don’t.
• You drive infrequently and want to take advantage of low mileage discounts.
• You want to avoid down payments, hidden fees, and long-term contracts.
• You want to control your coverage from your phone and make changes online.
• You want to get proof of insurance instantly and sign up in under 6 minutes.

However, Hugo insurance may not be the best choice for you if:

• You want more coverage options than liability, comprehensive, and collision.
• You live in a state where Hugo is unavailable or has limited plans.
• You prefer to pay a fixed monthly rate and have a consistent premium.
• You need to file claims frequently or have a poor driving record.

Is Hugo Auto Insurance Legit? Hugo Auto Insurance Reviews

Hugo Insurance is a legitimate and licensed auto insurance company headquartered in Santa Monica, California. The company has strong, early reviews online from drivers across the country.

• Trustpilot has 6,200+ reviews for Hugo Insurance with an average rating of 4.8 stars out of 5, making it one of the best-rated insurers on the platform. The vast majority (91%) of customers have given the company a 5-star rating.
• Generally, customers are satisfied with Hugo’s claims process, customer service, and overall ease of use.
• Some customers are unsatisfied with Hugo’s coverage options. It may be difficult or expensive to add collision or comprehensive coverage to your policy in some states, for example. Be sure to read through your plan carefully to understand restrictions.
• Many customers praise the easy signup, payment, and customization process with Hugo Insurance. Drivers of all ages have successfully signed up online, customized coverage, and paid a competitive rate.
• Many customers are impressed with how quickly they can get auto insurance and obtain proof of insurance, with multiple drivers claiming they received auto insurance within just 10 minutes of signing onto the official website.

Frequently Asked Questions About Hugo

Contact Hugo Insurance

• Address: 225 Santa Monica Blvd., 11th Fl., Santa Monica, CA 90401
• Phone number: (888) 398-9383
• Email address: support@withhugo.com
• Website URL: https://www.withhugo.com/