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Pronto Insurance review 2024

Updated May 28, 2024
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At a glance

Bankrate's take

Drivers in Texas or California who need a non-standard auto company might consider Pronto Insurance, but it does lack third-party ratings, which many prefer.

  • Auto and home insurance are only sold in TX and CA, life insurance is only in TX
  • Car insurance coverage in Mexico is available
  • Home insurance is limited compared to some competitors
  • Bilingual English and Spanish website
  • One-, two-, three- and six-month auto policies available
  • Lack of third-party ratings from J.D. Power, NAIC, AM Best, S&P and Demotech

New

What’s new with Pronto?

Pronto no longer writes home or auto insurance in the state of Florida. If you previously had a Florida insurance policy, call 1-844-776-4361 for more details, including contact phone numbers for the company that now services your policy, which will vary depending on your policy number prefix. You can also email pg.info@prontoinsurance.com.

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Pronto car insurance review

Based on Bankrate’s Pronto Insurance review, the company could be a good option for car insurance if you are a high-risk driver. However, policies are only available in California and Texas. The carrier specializes in non-standard auto insurance and offers three tiers of coverage: Essential, Comprehensive and Alternative, which is a 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. Pronto car insurance uniquely offers one-, two-, three-, six- and 12-month terms, so you can choose the length of policy that works best for you. If you need coverage to drive in Mexico, Pronto can help with that, too, which is not something every U.S. car insurance company offers.

Pros and cons of Pronto car insurance

Pronto might be a good fit for some drivers, but it isn’t the most robust insurance carrier we reviewed. Here are some perks and drawbacks of Pronto car insurance:

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Pros

  • SR-22 filings available
  • Offers several policy term lengths
  • Mexico coverage is available
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Cons

  • Only sold in two states
  • Fewer endorsements than other carriers
  • Only offers four discount opportunities
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Pronto car insurance cost

Average rate data for Pronto is not available, but your rates with Pronto will vary depending on whether you live in California or Texas, which policy type and term you choose, your driving history and the specific details of your policy. Remember that if you are a high-risk driver, cheap car insurance will be relative; you’ll likely pay higher rates based on your driving history.

The average cost of car insurance in the U.S. is $2,545 for full coverage and $741 for state-mandated minimum coverage, which might help give you a starting point as you request quotes. Contact Pronto for a car insurance quote to know how much your policy will cost. Most insurance experts recommend that you obtain quotes from several insurance companies so you can choose the most affordable option for your purposes.

Pronto customer satisfaction

It's hard to find Pronto Insurance reviews from reputable third-party organizations. Pronto car insurance was not rated by J.D. Power for customer or claims satisfaction and does not have a complaint index with the National Association of Insurance Commissioners (NAIC). Additionally, as a company, Pronto is not rated by AM Best, Demotech or Standard & Poor’s (S&P) for financial strength. It is also difficult to find ratings and scores for its parent company, Arthur J. Gallagher. This could make it difficult to assess the company’s overall level of service and its historical ability to pay car insurance claims. You may want to speak with current policyholders about Pronto’s car insurance before you commit to a policy.

Pronto car insurance discounts

One of the drawbacks 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.

Any time you are shopping for car insurance, it can be a good idea to get quotes from several providers so you can compare rates, discounts and policy features. Pronto offers these four discounts to help you save on car insurance:

  • Multi-car discount: If you insure more than one vehicle with Pronto, you could save up to 35 percent.
  • Renewal discount: Renewing your policy with Pronto and staying loyal to the company may result in a lower premium.
  • Auto Pay discount: Signing up for automatic payments might lower your rate by up to 10 percent.
  • Pay in full discount: If you can pay your entire policy term premium in one payment, you might earn up to a 10 percent discount.

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Pronto home insurance review

Overall, Bankrate determined that Pronto may not be the best home insurance provider on the market for most homeowners. Just like with auto insurance, 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 it 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. Pronto also does not insure manufactured homes, modified manufactured homes, trailers or homemade houses. And its basic coverage only includes 40 percent of personal property contents.

In terms of coverage, Pronto home insurance is standard. You can purchase all the basic coverage types, 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.

Pros and cons of Pronto home insurance

While Pronto home insurance could be a good option for some, it’s helpful to understand the benefits and disadvantages of its coverage. When you’re looking for a new policy, comparing home insurance quotes from a few companies and looking at each carrier’s offerings can be a good strategy to find the coverage that is right for you.

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Pros

  • Fairly high coverage limits
  • Offers several helpful endorsements
  • Bilingual agents available
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Cons

  • Limited state availability
  • Relatively strict underwriting requirements
  • No discounts are advertised
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Pronto home insurance cost

Pronto’s average rates aren’t available, and your premium will vary based on the specific features of your policy and your rating factors. For context, the average cost of home insurance in California for $250,000 in dwelling coverage is $1,266 per year, and for the same coverage limit, the average price in Texas is $2,130 per year. Keep in mind that California’s home insurance market is a bit volatile right now, and it could be difficult to get coverage in certain high-risk areas.

If you’re shopping for the cheapest home insurance or the policy that best fits your needs, getting quotes from several companies can be a helpful strategy.

Pronto customer satisfaction

Just like its car insurance, it is difficult to track down official third-party organizations. Pronto was not included in the 2023 J.D. Power Home Insurance Study or the Property Claims Satisfaction Study. This is likely due to the company’s size and the fact that it exclusively services only two of the 50 states.

Pronto home insurance was also not included on the NAIC complaint index. If you know someone with a Pronto home insurance policy, asking them about their experience can be a smart way to get more insight into the company.

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 state and speaking to a Pronto insurance agent to see which discounts may be available.

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Pronto life insurance review

Pronto has limited life insurance products available, and it sells life insurance only in Texas. There is little information about its life insurance policies on the website, but it appears that they offer term, universal life and whole life insurance. Term insurance can be purchased for a specific amount of time, such as 10 or 20 years, while the latter two are types of permanent insurance and last for your life as long as you pay your premiums. It's not clear from the company website if they underwrite their own policies or work with a third-party underwriter; for this and other questions, you will need to contact an agent about policies and potential costs.

Pros and cons of Pronto life insurance

When looking at your options for affordable life insurance, here are some points you may want to consider before making your decision about whether Pronto’s policies are the right choice for you.

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Pros

  • Term insurance is available if you only want to be insured for a specific length of time
  • Two types of permanent policies are available
  • There may be a cash value component with its permanent policies
Red circle with an X inside

Cons

  • Little information about life insurance on the company website
  • No online quotes
  • Life insurance only available in Texas

Pronto life insurance riders

Pronto Insurance does not list any available riders, or add-ons, that might be available for policyholders. To find out more about how you can customize your policy, you will need to contact an agent.

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Compare Pronto with other insurers

If you are not sure that Pronto is the right insurance provider for your needs, consider adding these insurance carriers when gathering insurance quotes:

Pronto vs. 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. Additionally, The General is more widely available than Pronto, so it could be a good choice if you live outside of California and Texas and need a non-standard auto insurer.  Home and life insurance is available from The General (although it does not underwrite its own policies).

Pronto vs. 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. National General doesn’t have many third-party ratings, though, so just like Pronto, it may be difficult to assess its level of service before committing to coverage. It offers home insurance, but life policies are not available.

Pronto vs. 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. Home and life insurance is not available directly through Bristol West, but can be purchased through Farmers. Auto insurance is available in 43 states, which far outpaces Pronto’s two-state coverage area.

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Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Pronto insurance review.

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Is Pronto a good insurance company?

Pronto Insurance Company might be a good option for high-risk drivers in California or Texas who want to bundle their auto and home policies with one company. However, Pronto’s endorsements and options for policy personalization are lacking compared to other companies, and its limited availability means it’s not an option for everyone. A lack of third-party reviews could also make it difficult to assess the level of service you’ll get prior to buying a policy. Getting a quote from Pronto can never hurt, but you may find that another carrier can offer you a more robust policy.

What are real-life customers saying about Pronto Insurance?

Although Pronto Insurance does not have third-party ratings, there are ample reviews online from real-life customers. Customer feedback from TrustPilot is impressive, with over 2,7000 reviews and a 4.7-star rating out of a possible 5. Most reviews praise Pronto’s speedy customer service when opening a policy and affordable rates:

Christina Johnson
Jan 12, 2024
This was pretty simple, no frills, which I...
Rating: 5 stars out of 5
“This was pretty simple, no frills, which I appreciate. Customer service when I had to change vehicles on my policy was excellent. Straight forward and polite. Give them a try. If you want an insurance company that is cheap and easy to work with...here they are.”

Other reviews were less positive, particularly ones about the claims process. One Yelp user noted:

Roni R.
Dec 30, 2013
This was pretty simple, no frills, which I...
Rating: 1 stars out of 5
“Claims adjuster is slow to respond, and that's if you get a response. I had to call her every time. Never once got a call back about my claim. Took over a month to get my car fixed and get my rental reimbursement check. It would have definitely took longer than that, had I not stayed on the ball and called them almost every day. Would not recommend them to anybody!!! They may be cheaper at first but you will pay for it in the long run, I promise!”
via Yelp

Pronto Insurance company details

  • Texas customer service: 1-855-200-4567 or customerservice@prontoinsurance.com
  • California customer service: 1-800-949-3274 or ca.contact@prontoinsurance.com
  • Florida customer service: 1-844-776-4361 or pg.info@prontoinsurance.com
  • Texas claims: 1-888-224-7740 or make a claim online
  • California claims: 1-800-272-3922 or make a claim online
  • Roadside assistance: 1-888-649-8029
  • Website: prontoinsurance.com
  • Address: Pronto General Agency LTD, P.O. Drawer 3267, Brownsville, TX 78523-3267

State availability

Pronto sells insurance auto and home in Texas and California, but life insurance is only available in Texas. The company is no longer actively writing policies in Florida.

Other Pronto Insurance tools and benefits

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

  • Mexico insurance: If you are planning to travel from California or Texas to Mexico, you can purchase a special auto insurance policy from Pronto to get protection while driving outside the U.S.
  • 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.
  • Commercial insurance: If you own a business, Pronto could provide you with various types of coverage, including workers’ compensation, general liability and builder’s risk policies.
  • Mobile home insurance: This coverage is only available for Texas homeowners.
  • Condo coverage: Available in Texas or California; covers annual, seasonal and short-term condo locations.
  • Renters insurance: This coverage could help you recover and replace your belongings after an approved claim.
  • Pharmacy discount card: Pronto offers policyholders a pharmacy discount card that can save you up to 85 percent on name-brand and generic prescriptions at participating pharmacies.
  • Roadside assistance: Pronto's roadside assistance program offers emergency service when you break down on the road, as well as customized trip routing and hotel and rental car discounts.

Frequently asked questions about Pronto Insurance

Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor II, Insurance