Pronto Insurance review 2024

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 nonstandard 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:

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.

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.

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.

Residents of California or Texas with marks on their license might want to see if Pronto can write them an affordable policy. The company may also offer cheap coverage to homeowners. Pronto's offerings are slimmer than those of most major insurers, with only a handful of auto discounts and few, if any, opportunities to customize your policy with endorsements. In addition, since Pronto isn't assessed by third-party organizations such as J.D. Power or AM Best, it's hard to determine the quality of the company's products and customer relations. It costs nothing to obtain a quote from Pronto, however, so it may be a good idea to contact them if you're looking for low-cost coverage in their service area.

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:

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

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