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Hugo Car Insurance Review

7 Customer Comments & Reviews - see all comments
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Based in Santa Monica, California, Hugo is an innovative new car insurance company that offers liability policies to customers in the state. Hugo is underwritten by Aspire General Insurance Company (AGIC), which is rated B+ by A.M. Best, and A+ by the BBB.
 
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How is Hugo rated?

Breakdown

4.0/5
Coverage
4.0/5
Financial Strength
4.0/5
Supplemental Coverage
4.0/5
Pricing & Discounts
4.0/5
Claims Satisfaction & Customer Experience
4.0/5
Automation

Overall Rating: 3.8 / 5 (Very good)

Hugo offers a new kind of budget car insurance policy to citizens of California. With Hugo, customers literally have to pay only for days they are driving. They can turn the policy on and off via text message, and the company will only charge them for used days out of a prepaid bank. The company offers the minimum liability requirements for the state, which covers them for damage to other people and property if they are in an accident. In the event of an accident, customers need only text "accident" to the company and the proof of insurance will be sent to their mobile device. Although this is an innovative new program, Hugo is a new company and there is not any information in terms of customer experience.

Hugo Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability

Coverage - 4 / 5

Hugo's coverage is the minimum required by California law (CIC §11580.1b). It is a liability policy that pays the other party for bodily or property damage. The policy pays up to $15,000 if one person is injured or killed or up to $30,000 if more than one person is injured or killed. Additionally, it will pay out up to $5,000 for property damage. Keep in mind that this coverage will not cover you or your car, even if the accident wasn't your fault. Also, it will not work for leased or financed cars.

Customer Experience

National Association of Insurance Commissioners

NAIC Total Complaints 2020
9

Claims Satisfaction & Customer Experience - 4 / 5

It is difficult to evaluate the customer satisfaction and claims experience for Hugo Insurance. The company itself is fairly new and so far only operates in California. Hugo has no BBB or Trustpilot entry, and not much in the way of online reviews. However, this is not surprising given its short history. Aspire Aspire General Insurance Company itself has only 9 complaints lodged with the NAIC in 2018.

Financial Strength

Key Details

Underwriter
Aspire General Insurance Company (AGIC)
Premiums Written 2020
$41,824,060
AM Best Financial Rating
B+

Financial Strength - 4 / 5

Hugo car insurance policies are underwritten in California by Aspire General Insurance Company (AGIC). Aspire is a private passenger auto liability and physical damage carrier that was founded in 1980. Aspire has a B+ (good) financial strength rating with A.M. Best. Aspire has not been evaluated by Standard and Poor's or Moody's in terms of financial strength ratings.
*The above information reflects the financial strength of the underwriter of the Hugo car insurance policies: Aspire General Insurance Company (AGIC).
*The above information reflects the financials strength of one of the partner insurance companies that this insurance marketplace offers policies through: Aspire General Insurance Company (AGIC).

Pricing & Discounts

Pricing & Discounts - 4 / 5

Although there are no specifics in terms of pricing, Hugo's entire business model is based on providing customers with the most inexpensive insurance possible. Their one policy is the minimum liability requirement to drive in California. What's more, customers can turn coverage on and off depending on which days they are driving. So for instance the policy can be paused when a car is in the shop for a week, resulting in a lower monthly premium. Additionally, customers pre pay their coverage with Hugo, adding to their account when it is low or whenever they want. Hugo will notify the customer when they have only one more day's worth of coverage in their account. There are no late fees and a customer has 10 days to reimburse the balance in their account before Hugo discontinues their policy.

Contact & Additional Information

Homepage URL
https://www.withhugo.com/
Headquarters Address
225 Santa Monica Blvd., Santa Monica, CA, 90401
Year Founded
1980

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7 Customer Comments & Reviews

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A
Angela C
7/23/2024
HUGO has no app to monitor your driving. Why is there no one to speak to? angela in Texas

cryssyyum
1/17/2024
Been with them like a year I don’t like humanit enuff to tell y’all what happened just kno iaint lying on honest companies that DONT exist find another company or u WILL REGRET IT like me a lot of shady practice sickening to say the least today my last day as a customer and I’m leaving reviews everywhere y’all gone screw me over ok cool let’s get even BBB next smh. (Don’t answer calls for claims, switching carriers, don’t tell u bout roadside no cus support ETC

R
Rodney O
8/3/2023
I have a policy with you and I received a letter from ADOT stating they need proof of insurance. my policy number is HUGO-133547 . My name is Rodney O'Dell. I went there in person and they told me they have to get it from you. Can you please help me with this?

ramospamela47
3/31/2023
This fraudulent information. This type of insurance is not accepted in the state of Florida. Review Florida DHMV's requirements web page

cassmemedia
3/3/2023
I like the flexibility and efficiency in obtaining insurance, but it is a definite draw back when you can't speak to someone. I had an emergency situation, late at night when someone ran me off the road. I needed to get in touch with a representative a Hugo for tow service and/or a new tire to get home. Needless to say, more than 4 hours went by. I was livid and it was not a safe situation. I guess this is what I'm paying for and since that's the case, I will have to pay more somewhere else. Hugo is okay, but they MUST step up in customer service and being reachable.

J
JoAnn H
9/28/2022
Hugo Car Insurance review I wanted to make a payment to Hugo but realized I lost my membership number. It has been a real pain to get a hold of someone to help. I found several different telephone numbers (3 to be exact) and all of them were a dead end. I also tried emailing them twice. This is the first time I've tried to pay my bill since signing on with them. I know my insurance has lapsed. Until I can make a payment I'll be in real trouble if there is an accident, or I get pulled over by the police. I did my homework. Hugo has been highly rated from several sources. But what good is it if there is no communication when you need help.

J
JoAnn H
9/28/2022
I wanted to make a payment to Hugo but realized I lost my membership number. It has been a real pain to get a hold of someone to help. I found several different telephone numbers (3 to be exact) and all of them were a dead end. I also tried emailing them twice. This is the first time I've tried to pay my bill since signing on with them. I know my insurance has lapsed. Until I can make a payment I'll be in real trouble if there is an accident or I get pulled over by the police. I did my homework. Hugo has been highly rated from several sources. But what good is it if there is no communication when you need help.

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