Skip to Main Content

Pronto Insurance Review 2022

Updated Nov 15, 2022
Bankrate logo

The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

Not rated
Caret Down

About Bankrate Score

Hover for more
Pronto may be a good option if you are looking for an insurance company with Spanish-speaking agents, but the company does not have many unique or standout features compared to some of its competitors.

Pros

  • Offers coverage to high-risk drivers
  • Many types of insurance product lines are available
  • It has bilingual agents that speak English and Spanish

Cons

  • Very limited coverage area
  • No 24/7 customer service
  • Fewer discounts than some competitors for auto insurance
  • Not rated by any reputable third-party organizations for customer service or financial strength
Answer a few questions to see personalized rates from top carriers
 

Bankrate’s Pronto Insurance review determined that Pronto is a decent provider, but the company does not have many unique or standout features compared to some of its market competitors. In addition, Pronto’s coverage area is limited and you can only get insurance in three states. However, Pronto may be a good option if you are looking for an insurance company with Spanish-speaking agents. It’s one of the few insurance companies that primarily serves Latino communities and has many bilingual customer service representatives.

Pronto Insurance serves customers in three states — California, Texas and Florida. The company specializes in high-risk auto insurance, and caters specifically to Latino communities. Many Pronto Insurance agents are bilingual in English and Spanish, and the website is accessible in both languages.

In addition to basic auto and home insurance, Pronto also offers several other types of coverage, including Mexico auto insurance. However, the company is not rated by organizations like J.D. Power, AM Best or Standard and Poor’s (S&P), so it is difficult to get a good sense of the company’s customer service and financial stability.

Pronto car insurance

Based on Bankrate’s evaluation, Pronto could be a good option for car insurance if you are a high-risk driver. However, you must live in California, Texas or Florida to get a policy. The carrier specializes in non-standard auto insurance, and offers three tiers of coverage — Essential, Comprehensive and Alternative, its non owner’s liability policy. Pronto sells all the basic coverage types you might expect, and offers SR-22 filings, personal injury protection (PIP), custom equipment coverage and towing coverage, depending on the package you purchase.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Shop rates and compare quotes

Get personalized auto insurance quotes by answering a few quick questions
Caret DownCaret Up
Please select age
Location-Icon Created with Sketch.
Quick facts
Moneybag
Save $610 on average this year by shopping for new car insurance
Location Pin
Rates vary by state up to 246%
Auto Insurance
The average American pays $145/month for auto insurance
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

 

Pronto car insurance discounts

One of the downsides of Pronto auto insurance is that it does not offer as many discounts as some of the best car insurance companies, and none of the discounts offered are particularly unique. The main way to get a lower premium that Pronto shares on its site is to insure multiple vehicles under the same policy.

Pronto car services

In addition to private passenger auto insurance, Pronto Insurance also offers motorcycle insurance, RV insurance and roadside assistance. The company does not offer any non-insurance related car services or plans.

Pronto home insurance

Overall, Bankrate determined that Pronto may not be the best home insurance provider on the market for most homeowners. You can only get coverage if you live in California or Texas, and there are several coverage requirements. For example, Pronto will not insure your home if your home is not well maintained, does not have smoke detectors and does not have a thermostatically controlled heat source. You also cannot get coverage for a vacation home if it is not regularly occupied by you seasonally.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Mortgage

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon Created with Sketch.
Your information is kept secure
Caret DownCaret Up
Caret DownCaret Up
Field is required
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
See more providers in
Choose from insurers in
Mortgage

Leaving so soon? Your custom quotes are just minutes away.

 

In terms of coverage, Pronto home insurance is standard. You can purchase all the basic policies, as well as several endorsements, like dwelling replacement cost coverage, glass coverage and dog/animal liability insurance. The company sells policies with up to $1 million in dwelling coverage, up to $500,000 in personal liability coverage and up to $10,000 in medical payments coverage.

Pronto home insurance discounts

Pronto’s website states that home insurance discounts are offered, but no specific savings opportunities are listed. It may be worth getting a quote for home insurance in your covered state and speaking to a Pronto insurance agent to see which discounts may be available.

Pronto home services

Pronto does not offer any additional non-insurance home services.

Other Pronto perks worth considering

In addition to auto and home insurance, Pronto also sells several other policies. Here are some of the standout offerings:

  • Mexico insurance: If you are planning to travel from California to Mexico or Texas to Mexico, you can purchase a special auto insurance policy from Pronto to get protection while driving outside the U.S.
  • Medicare Advantage plans: Pronto Insurance partners with HealthCompare to help you find Medicare Advantage plans and compare quotes. You can also find Medicare supplement plans through this service.
  • Watercraft insurance: Pronto sells watercraft insurance if you need to insure a boat or jetski. The package includes coverage for total loss replacement, full coverage for fishing equipment, mechanical breakdown coverage and more.

Pronto corporate sustainability

Pronto Insurance does not highlight any information about its corporate sustainability or charitable work online. In 2011, Pronto Insurance announced that it was partnering with the U.S. Marine Corps Reserves Toys for Tots program as a Community Partner Sponsor, but is unclear if the insurer has since continued its contribution.

Not sure if Pronto is right for you? Consider these alternatives

If you are not sure that Pronto is the right insurance provider for your needs, consider adding these insurance carriers to your search list:

  • The General: Like Pronto, The General also specializes in high-risk auto insurance and aims to offer affordable rates for drivers with poor credit, a history of accidents or a DUI conviction on their record.
  • National General: National General advertises low-cost auto and home insurance, and based on our research, it has more coverage options and discounts than Pronto makes known on its site.
  • Bristol West: If you need non-standard auto insurance or an SR-22, Bristol West may be another good insurance company to consider, especially because it is part of a large national insurer, Farmers Insurance Group.

Methodology

Bankrate Scores

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Compare rates and save on auto insurance today!

Close X