Hugo is simple. Start by getting a price online (it takes about a minute), creating your Hugo account, and adding money (usually at least $15) to your account. Once you've signed a few documents, your insurance will be activated, and you’ll be ready to drive. 

Each day that your insurance stays on, we’ll bill your Hugo account a daily rate. You can pause your insurance coverage anytime, by texting PAUSE. We'll reply to confirm that your insurance will pause starting the next day, and we’ll tell you your account balance. You pay nothing on days your insurance is paused. To restart coverage, just text COVER. We’ll reply confirming that your insurance is on, and your insurance will be activated immediately, as long as you have funds in your account. Now you're covered by a liability car insurance policy that meets California requirements.

Hugo works a lot like a pay-as-you-go mobile phone - you pay for what you use. There are no down payments, no hidden fees, no agents, and no penalties. Simple.

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