Does Hugo Insurance Cover Georgia?

Hugo Insurance is a relatively new player in the car insurance industry that offers a unique micropayment model. With Hugo, drivers can pay for coverage in small, flexible increments like days or weeks, rather than paying for 6 months of coverage upfront. This pay-as-you-go model makes insurance more affordable and accessible.

But does Hugo offer coverage in Georgia? Here’s what drivers in Georgia need to know about getting insurance from this emerging insurer.

Is Hugo Insurance Available in Georgia?

Yes Hugo Insurance is currently available in Georgia!

The company first launched in California in 2018. Since then, Hugo has expanded to several other states including Georgia.

According to Hugo’s website, the insurer currently offers coverage in the following areas of Georgia:

• Atlanta
• Augusta
• Columbus
• Macon
• Savannah
• Athens
• Sandy Springs
• Roswell
• Johns Creek
• Albany

So drivers in these cities and surrounding suburbs can get a quote from Hugo and buy one of their flexible, budget-friendly insurance plans.

Hugo lists Georgia as a “work in progress” state. This likely means they are still expanding within the state and adding more zip codes. But major metro areas are covered.

Georgia Minimum Insurance Requirements

To legally drive in Georgia, all motorists must carry at least these minimum liability insurance limits:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage

Drivers are also required to carry uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident unless this coverage is rejected in writing.

Additionally, Georgia is a “fault” state when it comes to car accidents. This means the driver who is deemed at-fault for an accident is responsible for damages and injury costs.

Having sufficient liability and UM coverage protects Georgia drivers in the event they cause an at-fault accident. The state minimums are relatively low, so many experts recommend carrying higher 100/300/100 limits or more.

Both of Hugo’s main plans – Unlimited Basic and Unlimited Full coverage – meet and exceed Georgia’s minimum requirements.

Hugo Insurance Coverage Options in Georgia

Hugo offers two flexible coverage options in Georgia. Here’s an overview of what’s included with each plan:

Unlimited Basic Coverage

With Hugo’s Unlimited Basic plan, Georgia drivers get:

• Liability coverage: $100,000 bodily injury per person, $300,000 per accident / $100,000 property damage (exceeds state minimums)
• Uninsured motorist bodily injury: $100,000 per person, $300,000 per accident
• Emergency roadside assistance: Up to $100 per incident
• Rental reimbursement: Up to $30 per day for a rental after a covered loss
• Medical payments: $2,500 to cover medical bills after an accident

This plan is a good fit for drivers who want maximum liability and UM/UIM coverage along with some extras like roadside assistance and rental reimbursement, while keeping costs low.

Unlimited Full Coverage

The Unlimited Full Coverage option adds on these additional coverages:

• Comprehensive: Covers damage to your car from theft, vandalism, fire, weather, animals, flooding and more
• Collision: Pays to repair/replace your vehicle if you’re at fault for an accident
• Uninsured motorist property damage: $10,000 to cover damage to your car from an uninsured driver (optional add-on)

Full coverage is required by any lienholder/lender if you have an auto loan or lease. It also provides more complete protection for your vehicle. But it costs more than basic liability-only policies.

Both plans can be paid for in flexible increments like days, weeks or months with no long-term commitments. Hugo’s rates are also the same for all drivers regardless of age, gender or driving history.

How Hugo’s Micropayment Model Works

Hugo Insurance doesn’t require long 6-month policies or large down payments like most insurers.

Instead, you can activate coverage by purchasing just 3 days of insurance to start. You then use Hugo’s mobile app to pay for additional days, weeks or months as needed.

Some key things to know:

• No upfront fees or downpayment – You only pay for the time period you want to be covered
• Auto reload – Set up scheduled purchases to automatically renew your policy
• Coverage Extension – Hugo gives you a grace period if you miss a payment to avoid lapses
• Pause or cancel anytime – Turn off autoreload payments if your driving needs change

This pay-as-you-go model makes insurance costs more predictable. You pay for exactly what you use rather than overpaying upfront for unused months of coverage.

Hugo also offers easy ways to pause or cancel a policy at any time through their app. This flexibility is perfect for Georgia drivers who don’t use their car daily or have changing insurance needs.

Pros and Cons of Hugo Insurance

Pros

• No downpayment or upfront fees
• Micropayments for flexible coverage periods
• Rates don’t vary by age, gender or driving history
• Policies can be paused or cancelled anytime
• Coverage meets Georgia minimum requirements
• Positive reviews and ratings from customers

Potential Cons

• Limited availability in Georgia so far
• Have to manage and reload policy frequently
• Doesn’t offer add-ons like roadside equipment coverage
• No bundling discounts with home/renters policies

Is Hugo Insurance Right for You?

Hugo Insurance offers a unique way to pay for just the coverage you need when you need it. The micropayment model makes insurance more affordable and accessible.

But it also requires closely monitoring your policy and reloading frequently to avoid lapses. Hugo may not be the right fit if you want set-it-and-forget-it insurance with 6-month policies.

Drivers who can benefit most from Hugo include:

• Newly licensed drivers and students
• Drivers with older cars not needing collision/comprehensive
• Drivers who use their car infrequently or part-time
• Anyone wanting lower bi-weekly or monthly payments
• Gig workers needing commercial/rideshare coverage
• High-risk drivers unable to get affordable traditional policies

Hugo is still expanding in Georgia but already offers drivers in cities like Atlanta an innovative new insurance option. Just remember state minimum coverage may not be sufficient depending on your situation.

If you’re looking for flexible, affordable car insurance, it’s definitely worth getting a free quote from Hugo Insurance to see if their micropayment model could save you money!