Hugo Insurance has grown in popularity due to its adaptable and pay-as-you-go insurance approach, which enables drivers to activate and deactivate coverage as required. Some drivers may look for alternatives, nevertheless, due to its restricted coverage choices, online-only service, and availability in certain states. Those seeking economical coverage, part-time drivers, or gig workers may take advantage of one of numerous insurance companies’ pay-per-mile or flexible vehicle insurance plans.
Listed below are a few 2025 options to Hugo Insurance that you may find useful.
1. The Metromile
For drivers with minimal annual miles, Metromile is a great option among the many well-known pay-per-mile insurance companies. Metromile is great for infrequent drivers since its costs are based on actual miles traveled, as opposed to Hugo’s per-day or per-week pricing.
Choose Metromile for All Your Transportation Needs!
Low-base-rate pay-per-mile pricing
Provides extensive insurance plans that include liability, collision, and comprehensive coverage.
Offerings a high-tech driving software that includes features like real-time monitoring and roadside help
More states offer Hugo than any other
Drivers who don’t use their cars much but yet want complete coverage and dependable customer support should get Metromile.
2. Mile-Auto
A second company that offers low-mileage drivers pay-per-mile insurance is Mile Auto. Mile Auto calculates mileage using self-reported odometer readings, in contrast to Metromile, which requires a monitoring device.
Who Should Opt for Mile Auto?
You won’t need a tracking gadget
Clear pricing that takes reported mileage into account
Provides all-inclusive, liability, and collision coverage
Designed with drivers’ privacy in mind
Mile Auto is an excellent substitute for Hugo for those who are uneasy with telematics monitoring but who need inexpensive usage-based insurance.
Root Insurance, Thirdly
Instead of basing prices on a driver’s mileage, Root Insurance takes telematics data into account when determining premiums. Root tailors charges according to how safely you drive, in contrast to Hugo’s fixed daily fees.
Just what makes Root the Best Option?
Savings for cautious motorists
Adaptable payment plans and a pay-as-you-go model
Complete protection, including choices for roadside help
An AI-powered pricing system incentivizes conscientious motorists
If you’re a tech-savvy motorist looking for cheaper rates instead of dependent on how frequently you drive, Root is a fantastic option.
4. A-Team Vehicle Insurance
Similar to Metromile, Just Auto Insurance is a more recent pay-per-mile insurer. It provides drivers with a versatile payment mechanism that includes a cheap base charge as well as a per-mile fee.
Which Auto Insurance Option Is Best?
Up-to-the-minute rates determined on typical commutes
Suitable for freelance and part-time drivers on a budget
Putting digital first with a user-friendly app
Perfect for city dwellers who seldom travel great distances
Hugo faces stiff competition from Just Auto, which provides drivers with more control over their spending and more flexible pricing options.
5. Insurance from Noblr
Another insurance company that uses telematics to determine premiums based on driving behavior is Noblr. Just like Root, it offers discounts to drivers who are careful on the road.
Discover the Benefits of Noblr!
Reduced charges for careful and infrequent drivers as a result of behavior-based pricing
Choose between full coverage and liability
Perfect for drivers who are both tech-savvy and safety-conscious
Instead of paying a set rate for auto insurance, Noblr gives policyholders greater leeway to adjust their premiums according to their actual driving patterns.
Find the Perfect Hugo Alternative for Your Needs!
Your insurance requirements and driving patterns will determine which option is best for you:
Consider Metromile, Mile Auto, or Just Auto if you drive a vehicle with a low annual mileage.
Mile Auto is a fantastic choice for drivers who value their privacy since it does not use tracking technology.
When you drive safely and ask for a discount, Root and Noblr will provide it to you.
While Hugo is still one of a kind, Just Auto provides an alternative for those looking for flexible daily coverage.
Hugo Insurance is a practical and adaptable choice, but there are other solutions that may better meet the requirements of individual drivers, like as those with more diverse coverage options, lower rates, and more features. You should shop around for the greatest coverage by comparing rates and policy details before making a final decision.
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