Hugo Insurance

The Car Insurance Guide

Overall Personalized Rating: 4.3/5 (Very Good)

Summary

Infrequent drivers will love the option to pay-per-use through Hugo Insurance. With the option to turn off the service when not in use, this is a fantastic way for drivers to save money on car insurance.

Key Benefits

Affordable Pay-Per-Mile insurance
Fantastic option for infrequent drivers
Get proof of insurance in under 6 minutes

Ratings Summary

Ratings Highlights

Overall Rating

Do you only drive to run ocassional errands around town? Don't have a commute? Pay-per-mile insurance is a great option for drivers who drive less that 7,500 miles annually, and the convience offered through Hugo in particular is unmatched. If you fit into this subset of drivers, or if you need to get insured asap, definitely look into Hugo Insurance.

Pricing

Hugo's pricing is great, so long as you don't drive more than 7,500 miles per year. Their pricing system and service is a whole is set up to benefit infrequent drivers.

Handling Claims

Claims experiences vary overall, but most customers were fairly satisfied with Hugo's response to their needs after an accident.

Uninsured Drivers

Uninsured drivers should have a fairly easy time getting insured through Hugo. Just don't rack up too many miles with this company.

Young Drivers

If you're a young driver in college and you don't have a car on campus, Hugo Insurance is a great provider to consider.

Bundling Auto with Other Insurance Types

Hugo does not currently offer bundling.

Drivers with Tickets/Accidents

Hugo Insurance performs average when it comes to drivers with accidents or incidents on record. They tend to offer insurance to most applicants, but if you intend to drive often, this might not be a great option for you anyway.

Premium Driver

If you rarely drive and your record is pristine, definitely look into Hugo Insurance to save money by only paying for the miles you actually drive.

Company Background

Officially launched in 2021, Hugo Insurance is a pay-as-you-drive car insurance model. Their aim is to make the insurance process more affordable and convenient for all Americans.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2025 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.