How does Hugo work?

Hugo currently serves the great states of IL, OH, FL, and GA. Depending on your state, Hugo offers up to three coverage options: Flex, Basic, and Full. Learn more about what each plan offers here.

How Hugo works all depends on your coverage plan.

If you have a Flex Plan:

With Hugo Flex, you can only pay for car insurance on days that you actually drive your car. 

Instead of getting a quote for a month of insurance, we do the math and figure out how much you’ll pay for a single day of car insurance. We even show you how much you can expect to pay for car insurance per week. This will let you see how much you'll save by turning your insurance off for days your car sits on the street, in the driveway, or inside your garage.

Next, it’s time to purchase days of insurance to add to your Hugo account. You can choose from packages of 3, 7, 14, or 30 days. We make this fast and easy – and you can always add more days to your account at any time.

Finally, you’re ready to drive. Every day you leave your insurance on, you’ll use up one of the days you purchased. Not driving tomorrow? Just turn off your coverage so you don't have to pay.

The less you drive, the more you save. Not only that, but your days roll over.

If you have a Basic or Full Plan:

With Hugo Basic or Full, you'll enjoy almost all of the perks of driving with Hugo Flex, but with a policy more similar to traditional insurance.

When you sign up, you can choose from packages of 3, 7, 14, 30 days, or 6 months. After that, you're all set! Your account will pay your daily rate – and fund your insurance – every day that you drive.

If your account balance runs low, you can add more money or turn on Auto Reload. Don't have the money right now? With Hugo Basic or Full, we let you turn OFF your insurance until you can reload your account.

No matter your Hugo coverage plan, we never charge upfront fees!

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