Pronto Insurance Review
- With an overall score of 1.3/5 stars in 2023, Pronto is a below average insurance company.
- Read Pronto reviews, complaints and prices before you buy.
Pronto insurance: Ratings and reviews
Based in Brownsville, Texas, Pronto Insurance provides a number of insurance coverage types. Pronto provides coverage in Texas and California. Pronto is an insurance company that focuses on affordable policies for its customers, resulting in popularity among non-standard and high-risk customers. With that said, the company offers relatively limited coverage options when compared with major insurance providers.
Below, you’ll find our Pronto Insurance review, breaking down coverages offered and information on customer satisfaction among policyholders.
Flexible term policies
Positively rated on Trustpilot
Only available in Texas and California
Very few discount opportunities
Unknown financial strength and customer complaint index
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Pronto for it to be included.
How much does Pronto insurance cost?
While a company's average cost is usually a factor in how we calculate our reviews of insurers, Pronto's pricing data was unfortunately not available.
Pronto Insurance offers its customers a few different ways to get policy discounts. While Pronto doesn’t offer as many savings options as some companies, as a no-frills insurer, you may still find that the overall rates are still affordable.
- Multi-car discount: Adding multiple vehicles to your policy can lead to lower rates.
- Renewal discount: Sticking with Pronto Insurance can mean long-term savings.
- Autopay: Get a 10% discount for enrolling in autopay.
- Pay in full: By paying for your policy in full, you can qualify for 10% savings.
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What types of coverage does Pronto offer?
Pronto car insurance options are designed to be flexible and affordable. Unlike many car insurance companies, Pronto highlights flexible term policies as a major selling point. Customers can purchase basic liability insurance in one, two, three, six and 12-month policy terms. This sort of flexibility allows for terms much shorter than most standard carriers provide.
They offer insurance options that are tailored to different levels of customer needs. Pronto auto insurance provides a number of different policy packages, including some catering to customers looking for cheaper insurance rates and others serving customers in search of full coverage.
- Essential Package: This is Pronto's basic package. It includes basic liability coverage at the limits set by the state. Additional coverage options for uninsured/underinsured motorist, PIP and roadside assistance (which is only available for six-month policies) can also be added.
- Comprehensive Package: This can be added to the Essential Package to provide what’s known as full coverage, so it includes collision and comprehensive coverage.
- Alternative Package: Meant for customers who need specialized coverage, this package is designed for drivers who need non-owners policies and/or SR-22s.
- Mexico auto insurance: One offering from Pronto is its coverage for motorists driving in Mexico. This coverage is incredibly flexible, available for terms as short as one day and up to one year. Details on this coverage are vague, however, so some research is advisable.
Read more about Pronto's coverages here.
Additional lines of insurance
Pronto offers more than just car insurance. The company also sells these additional insurance lines:
Pronto insurance review: Summary
For drivers in Texas and California — the only states Pronto is active in — Pronto's coverage options and discount opportunities may seem limited, especially when compared to bigger insurance companies. But if you're a high-risk driver who just needs to get the minimum amount of liability to drive legally, Pronto may be a reasonable option. However, be warned that despite generally positive Trustpilot reviews, not much else is known about the company's financial strength (which correlates to its ability to pay for claims) and customer service. We recommend you proceed with caution if you choose Pronto, or only as a last resort if you have trouble getting insured elsewhere.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Pronto insurance: Frequently asked questions
Is Pronto a good insurance company?
Pronto insurance may be a reasonable choice for high-risk drivers seeking minimal liability coverage in Texas and California, but its limited discount options and unknown financial strength and customer service quality raise concerns, making it advisable to proceed with caution or consider it as a last resort.
Can I get Pronto insurance in the US?
Yes, Pronto Insurance operates in the US, primarily offering auto, home and renters insurance. Those living in Texas and California who frequently travel to Mexico (or vice versa) may find Pronto especially attractive as they offer insurance that covers trips from these states to Mexico.
Does Pronto insurance cover a rental car?
You must add rental coverage to your Pronto Insurance policy. Then, if there's a covered loss, they will cover substitute vehicle costs from any rental agency up to $25 daily, capped at $750 for 30 days.
Where is Pronto insurance available?
Pronto is available in Texas and California and offers insurance for those traveling to Mexico from Texas or California.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.