Everything You Need to Know about Pronto Insurance
Pronto Insurance has long been a go-to provider for non-standard auto insurance, catering primarily to high-risk drivers. If you’re searching for budget-friendly car insurance, especially in Texas or California, Pronto might be an option worth considering. However, the company has undergone some significant changes recently, including ceasing its home and auto insurance offerings in Florida. Here’s a comprehensive review of Pronto Insurance, covering its policies, coverage options, costs, customer service, and more.
What’s New with Pronto Insurance in 2025?
One of the biggest updates for Pronto Insurance is that it no longer writes auto or home insurance policies in Florida. If you had a Florida policy with Pronto, you’ll need to call 1-844-776-4361 for details on the new company managing your policy. You can also reach them via email at pg.info@prontoinsurance.com.
Despite exiting the Florida market, Pronto continues to provide car, home, and life insurance policies in Texas and California, where it remains a preferred provider for drivers needing SR-22 filings and non-standard coverage.
Pronto Car Insurance Review
Pronto Insurance specializes in high-risk auto insurance, offering three tiers of coverage:
- Essential: Basic liability coverage.
- Comprehensive: Mid-tier coverage with added benefits.
- Alternative: A non-owner’s liability policy.
Pronto also offers SR-22 filings, personal injury protection (PIP), custom equipment coverage, and towing assistance, depending on the policy you select. One of Pronto’s unique features is its flexible policy terms, allowing customers to choose from one-, two-, three-, six-, or 12-month policies. Additionally, the company offers Mexico auto insurance, providing coverage for drivers crossing the border—a feature not commonly available with major U.S. insurers.
Pros and Cons of Pronto Auto Insurance
✅ Pros:
- Offers SR-22 filings for high-risk drivers.
- Flexible policy term lengths.
- Mexico coverage available.
❌ Cons:
- Only available in Texas and California.
- Limited endorsements compared to competitors.
- Few discount opportunities.
Pronto Car Insurance Cost
Pronto does not publicly disclose its average rates, making it difficult to compare costs. However, given its focus on non-standard insurance, rates will likely be higher than average due to the increased risk associated with high-risk drivers.
For reference, the average cost of car insurance in the U.S. in 2024 is:
- $2,388 per year for full coverage.
- $664 per year for minimum state-required coverage.
If you’re considering Pronto, it’s best to request a personalized car insurance quote to get an accurate estimate based on your location, driving history, and coverage needs.
Pronto Home Insurance Review
While Pronto does offer home insurance in Texas and California, it has strict eligibility requirements. Your home must be well-maintained, equipped with smoke detectors, and have a thermostatically controlled heat source. Pronto will not insure manufactured homes, modified trailers, or vacation homes that are not regularly occupied.
Coverage Options:
- Up to $1 million in dwelling coverage.
- Up to $500,000 in personal liability coverage.
- Up to $10,000 in medical payments coverage.
Pros and Cons of Pronto Home Insurance
✅ Pros:
- High coverage limits.
- Various endorsement options.
- Bilingual customer service available.
❌ Cons:
- Limited state availability.
- Strict underwriting requirements.
- No advertised discounts.
Like auto insurance, Pronto’s home insurance rates are not publicly available. The average cost of home insurance in the U.S. is $2,285 per year for $300,000 in dwelling coverage, but your premium may vary based on factors like home location, risk factors, and the policy features you select.
Pronto Life Insurance Review
Pronto offers life insurance only in Texas, with limited details available online. Based on available information, Pronto provides:
- Term Life Insurance – Coverage for a specific period (10, 20 years, etc.).
- Whole Life Insurance – Permanent coverage with a cash value component.
- Universal Life Insurance – Flexible permanent coverage.
Pros and Cons of Pronto Life Insurance
✅ Pros:
- Term and permanent policies available.
- Cash value accumulation on permanent policies.
❌ Cons:
- No online quotes available.
- Only available in Texas.
If you’re considering a Pronto life insurance policy, contact an agent to get a customized quote and policy details.
Customer Reviews & Satisfaction
Pronto has received mixed customer reviews. On Trustpilot, it holds a 4.7-star rating based on over 2,700 reviews. Customers appreciate Pronto’s affordable pricing and quick policy setup:
“Simple, no frills. Customer service was excellent when I changed vehicles on my policy.” – Christina Johnson, TrustPilot
However, there are negative reviews, particularly regarding the claims process:
“Took over a month to get my car fixed and receive my rental reimbursement.” – Roni R., Yelp
Because Pronto is not rated by J.D. Power or AM Best, its financial strength and claims satisfaction are difficult to assess.
Pronto Insurance vs. Competitors
| Feature | Pronto Insurance | The General | National General | Bristol West |
|---|---|---|---|---|
| Availability | TX, CA | Nationwide | Select states | 43 states |
| SR-22 Filings | ✅ | ✅ | ❌ | ✅ |
| Mexico Coverage | ✅ | ❌ | ❌ | ❌ |
| Home Insurance | ✅ (TX, CA) | ✅ | ✅ | ❌ |
| Life Insurance | ✅ (TX only) | ✅ | ❌ | ❌ |
Final Verdict: Is Pronto Insurance Worth It?
Pronto Insurance may be a solid choice for high-risk drivers in Texas and California, especially those needing SR-22 filings or Mexico coverage. However, if you’re looking for comprehensive coverage, extensive discounts, or nationwide availability, you might want to consider competitors like The General, National General, or Bristol West.
Since Pronto’s rates are not publicly available, it’s advisable to request multiple quotes before making a final decision.
How to Contact Pronto Insurance
- Texas Customer Service: 1-855-200-4567
- California Customer Service: 1-800-949-3274
- Website: www.prontoinsurance.com
- Claims (TX): 1-888-224-7740
- Claims (CA): 1-800-272-3922
Frequently Asked Questions
❓ Is Pronto Insurance legit?
✅ Yes, Pronto is owned by Arthur J. Gallagher & Co., a globally recognized insurance firm.
❓ Does Pronto Insurance offer discounts?
🚫 Pronto does not advertise many discounts, making it less competitive than other providers.
❓ How do I file a claim?
📞 Call the claims number for your state or file a claim online at Pronto’s website.
By understanding Pronto Insurance’s strengths and limitations, you can determine if it’s the right provider for your needs in 2025.
Want to know more about other insurances, Read our latest articles.
