# Hugo

**Canonical:** https://apis.io/providers/hugo/  
**Website:** https://withhugo.com  
**APIs profiled:** 0

Hugo is a mobile-first, usage-based car insurance company that lets drivers turn coverage on and off from their phone and pay in short intervals rather than a large upfront down payment. Through the Hugo app and web portal, customers can activate liability or comprehensive coverage in minutes, get instant proof of insurance, auto-reload their balance, and extend protection as needed. Hugo positions itself as a modern, micropayment alternative to traditional insurers for budget-conscious and gig-economy drivers, and is a seed-stage InsurTech company backed by Canaan Partners. Hugo operates in select U.S. states with expansion underway. Hugo is a consumer insurance application and does not currently publish a public API or developer program.

## Kin Score — 9.3 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 9.3).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Insurance**: 21.2 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Hugo Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Insurance, Insurtech, Car Insurance, Automotive, Usage-Based Insurance, Micropayments, Mobile, Consumer

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/hugo/). Scores are computed from the provider's own public artifacts under a published rubric.