Car insurance that fits your paycheck

A six-month policy that you can pay at your own pace

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Open an account and get proof of insurance in under 6 minutes

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89% of our users rate us as
Excellent
on Trustpilot

35k reviews

Why Hugo?

Making insurance that works for everyone.

Get coveredin minutes

Create an account, pick your plan and get proof of insurance all in 6 minutes.
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Small paymentsthat fit your budget

Pay daily, weekly, monthly or pick the option that works best with your next paycheck.
Piggy bank

Freedom frombig monthly bills

Pay for 3 days to start*. Withdraw your available balance at no cost if you need it.
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Payment plansfor every budget

Start small and stay in control

Break your payments into smaller, more manageable amounts. Paying at a daily rate makes it easier to keep your coverage going without a large upfront cost.

Stay insuredat your own pace

Keep your policy active by adding coverage regularly throughout the week. A good option if you want to manage payments in smaller increments.

Pay on a moretraditional schedule

Prefer a routine approach? You can maintain your policy with monthly payments while still avoiding a large upfront cost.
Check my price
Sign up and get proof of insurance
in under 6 minutes

The Hugo Basic Plan

Get a quote to see additional coverage options offered in your state.

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What’s included

Liability Coverage

  • If you cause an accident, this helps cover damage or injuries to others
  • Damage to another vehicle or property
  • Injuries to other drivers or passengers
  • Includes liability + other coverages to meet state minimum requirements
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What’s not included

To keep payments more manageable, Hugo’s policies currently do not cover:

  • Damage to your own vehicle
  • Theft or vandalism
  • Roadside Assistance or Towing
  • Rental Insurance
  • SR22s

Car insurance made simple.

Use the arrows to view more.

Hugo
MetromileProgressiveesurance
$0 down payment1
Flexible micropayments
Simple daily rate
Pay at your pace
Monitors your driving
Instant Proof of Insurance
No upfront fees2
BBB accredited business A+ rating
as of 7/27/2026

Getting you covered, state by state

Map of United States of America
  • Currently available
  • Work in progress

A best-in-class experience

89% of our users rate us as Excellent
on Trustpilot | 35k reviews

July ’26 Trustpilot rating
Hugo
State Farm
esurance
Allstate
Progressive
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Hugo allowed me to pay for car insurance without going into debt.

Hugo helped me insure a car that I rarely used and saved me money in the process.

Using Hugo was a great experience. Very convenient and easy to use. Perfect for driver’s on a budget!

Paying for insurance by the day finally made insurance affordable.

Since I’m pregnant and a stay at home mom, saving money is a priority for emergencies.

Hugo wasn’t as intimidating as more known insurance companies.

Getting started
is easy.

1

Create your account

It takes less than 2 minutes.

2

Select your plan

Hugo plans are designed to fit your unique needs. Select the payment plan that works best for you and drive insured today with as little as 3 days down to start.

3

Start driving!

Your proof of insurance and policy documents are a click away.

Get started
1 Initial payment is a standard installment based on a simple daily rate calculation rather than a several-month advance payment.
2 Fees, when they occur, are spread over time and paid incrementally - not up front.