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What to Know
Hugo covers liability, medical and accidental death. Liability car insurance coverage pays for injuries and property damage you cause to other people, up to your policy limits. It doesn't pay to fix or replace your vehicle.
Hugo does not offer collision or comprehensive coverage. Collision pays for damage to your car in a crash, and comprehensive pays for theft, weather and similar damage. Hugo sells policies in Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia.
Hugo Car Insurance
- Online Quotes
- Online Policy Purchase
Why We Like Hugo
Hugo insurance suits drivers in its coverage area who want liability coverage they can quote and buy entirely online. Medical and accidental death coverage are part of the lineup, so a policy pays for more than the other driver's damages. Liability is a more bare-bones policy, but it's more affordable and might be all that's needed for older vehicles or owners who can afford to repair or replace their vehicle if needed.
Pros and Cons
Pros
- Only policy purchases
- More affordable than insurers with full-coverage policies
Cons
- No coverage options beyond liability
Solvable's Take on Hugo Car Insurance
For some drivers, Hugo is a sensible choice. That driver might have an older, paid-off car that isn't worth much, so collision coverage could cost more over a few years than the car itself. Without a lender, you don't need full coverage. Dropping to liability-only for that car is a reasonable trim, and buying it from your phone in a few minutes is a convenience.
Hugo leaves out all other coverages, including uninsured/underinsured motorist, roadside assistance, towing, personal injury protection (PIP) and SR-22 filing. If liability is all you need, that's not necessarily a bad thing.
If you live in an area where uninsured drivers are more prevalent, you may want to rethink having liability-only coverage. Depending on your financial situation, it may be beneficial to carry comprehensive and collision as well as uninsured motorist coverage, which means you'd have to purchase a policy from another carrier.
The other gaps are narrower but just as concrete:
- If your car breaks down on the highway, you arrange and pay for the tow yourself, because Hugo doesn't include roadside assistance or towing.
- If your state requires PIP, which pays your own and your passengers' medical bills regardless of who caused the crash, confirm the rule with your state before relying on Hugo.
- If a court or the state requires you to carry an SR-22, a form your insurer files to prove you have coverage, you'll need a different insurer because Hugo doesn't file them.
- If you need to report a crash, you can't file the claim online with Hugo.
This table checks Hugo's lineup against coverages drivers often assume come with any auto insurance policy.
| Coverage | Offered by Hugo? | What it means for you |
|---|---|---|
| Liability | Yes | Pays others' injuries and property damage you cause, up to your limits |
| Collision | No | You pay to repair or replace your car after a crash |
| Comprehensive | No | You pay for theft, hail, flood or fire damage to your car |
| Uninsured/underinsured motorist | No | You pay your losses when an at-fault driver has little or no insurance |
| Roadside assistance and towing | No | You pay for tows, jump-starts and lockouts |
| SR-22 filing | No | You need another insurer to meet an SR-22 requirement |
If any "No" row is something your lender or state requires, Hugo isn't the right fit as your only policy.
Hugo Car Insurance Discounts
Hugo's help center says it doesn't offer traditional discounts such as good-driver, multi-car or bundling. Instead, it runs a cash-rewards and referral program. If your clean record earns a good-driver discount elsewhere, that discount won't show up in a Hugo price, so it's worth comparing quotes.
Hugo Car Insurance Coverage
Liability coverage
Pays for injuries and property damage you cause to other people, up to your policy limits. It's the coverage states require drivers to carry, and it doesn't pay for damage to your own car.
Medical coverage
Pays toward medical costs after a covered accident. Check the limits on your quote before you count on it for a serious injury.
Accidental death coverage
Pays a benefit if a covered accident results in death. Your policy documents name the beneficiary and how much it pays.
Rental benefits
Pays for a rental car after a covered claim, and it's available only on Hugo's Unlimited Full plan. Despite the name, that plan doesn't include collision or comprehensive.
Frequently Asked Questions
What is Hugo insurance?
Hugo is an online car insurance provider that sells liability coverage in 20 states, including California, Texas and Florida. You can get a quote and buy a policy entirely online, but Hugo doesn't offer online claim filing.
Is Hugo good insurance?
Hugo works well for a driver who needs to meet their state's liability requirement and has a car they could afford to repair or replace out of pocket. It's a poor match if you need coverage for your own vehicle, since Hugo doesn't sell collision or comprehensive and doesn't offer uninsured/underinsured motorist coverage.
What states is Hugo car insurance available in?
Hugo currently sells policies in 20 states: Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. Availability can shift, so confirm your state on Hugo's site before requesting a quote.
Does Hugo auto insurance cover damage to my own car?
No. Hugo doesn't offer collision or comprehensive coverage, which means repairs after an accident you cause, a theft or weather damage come out of your own pocket. If your car is financed or leased, this is usually a dealbreaker, since lenders typically require both coverages.
