Your rate may increase if information used to rate your policy changes, or fees are applied to your policy.
If you turn coverage OFF to stop payments, your carrier may be required to re-rate your policy, or may apply a fee. Here’s how that works:
- Turning coverage OFF cancels your policy.
- We protect you from fees for up to 3 days while you are cancelled.*
- If you restart coverage within 3 days, no new fees will be added to your daily rate.
- If your policy remains cancelled for more than 3 days, your carrier may add a fee when you restart coverage. We will prorate the fee and add it to your daily rate, so you can pay it down a little bit at a time. Most drivers see an increase of around $0.10.
- In most states, if your policy is cancelled for 10 days or more, your carrier is required to re-rate your policy. In Pennsylvania and Mississippi, your carrier will re-rate your policy following a cancellation of any length.
- If your carrier re-rates your policy, your rate could change due to various factors, including:
- Change in vehicle age
- Change in age of primary driver or included drivers
- An accident or violation
- Change in the age of existing accidents or violations
We'll always share your new rate with you and ask for your approval before we make any changes. If you need to add any money to your Hugo account because of a rate change, we'll let you know that, too.
If you have any questions about your rate, you can contact our support team from the Help Center in your Hugo member account.
* In Mississippi, no new fees are charged when you cancel your policy. However, your policy will be re-rated when you restart coverage, which could cause your rate to change.
Fees and re-rate timeline varies slightly by State. Visit your Hugo account to learn what applies to you.