Payment plansfor every budget

How many days per week do you drive?

I drive

...
days per week

Flex

Great if you don’t drive every day and want liability coverage.

Unlimited Basic

Great if you drive most days, and want liability coverage on a budget-friendly payment plan.

Unlimited Full

Great if you want full coverage, on a budget-friendly payment plan.

Compare plans

Flex
Unlimited Basic
Unlimited Full
No down payment
Flexible micropayments

No upfront fees: we hate fees as much as you do. That’s why with Hugo, what you see is what you pay. You’ll pay your flat daily rate for coverage, and never more.

Never spend more than what’s in your account by automatically turning off your coverage when your account balance runs out. Then reload your account to restart coverage instantly.

If your account is empty, and you can’t refill right away, we’ll keep you covered and give you a few extra days to pay

No more checks in the mail or bank transfer delays. When a claim is settled you’ll get paid that same day.

Earn cash rewards

Not driving for a few days? Switch OFF your coverage and pay nothing until you turn it back ON. After all, liability coverage only matters when you’re driving.

Turn ON instantly
Meets state requirements
Covers your vehicle
Covers your passengers
Get my quote
Sign up and get proof of insurance
in under 6 minutes

A best-in-classexperience

90% of our users rate us as Excellent on Trustpilot.

Aug’22 Trustpilot rating
Hugo
esurance
Root
GEICO
Allstate
Progressive

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.