Pronto Auto Insurance Review for 2025 (Rates & Options Here)

Our Pronto auto insurance review found that Pronto is a decent option for high-risk drivers, but low-risk drivers can find better rates elsewhere at the cheapest auto insurance companies.

Pronto Auto Insurance Rating

Rating Criteria
Overall Score	3.0
Business Reviews	3.0
Claims Processing	3.0
Company Reputation	3.0
Coverage Availability	2.5
Coverage Value	2.9
Customer Satisfaction	3.2
Digital Experience	3.5
Discounts Available	3.0
Insurance Cost	3.3
Plan Personalization	3.0
Policy Options	2.5
Savings Potential	3.2

Pronto is also a good option for those traveling to or from Mexico, as it offers temporary Mexico insurance coverage.

While Pronto’s rates are higher, SR-22 drivers may want to check it out if they can’t get coverage with other companies.

Read on to learn all about Pronto car insurance. Need to find affordable auto insurance today? Enter your ZIP in our free quote tool.

Pronto Auto Insurance Rates

Pronto rates tend to be pricier, with minimum coverage rates starting at $95 per month. Young drivers will pay the most at Pronto Insurance, due to a lack of driving hours on the road.

Pronto Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

A Pronto insurance full coverage policy is expensive, but it will provide the best protection as it includes comprehensive and collision coverage (Read More: Collision vs. Comprehensive Auto Insurance Explained).

Another factor that Pronto will base your rates on is your driving record. A clean driving record will result in the lowest rates.

If you have a DUI, Pronto car insurance rates will start at $190 a month for just minimum coverage. Accidents and tickets will also raise rates, but not nearly as high as with other companies.

Read More: Best Auto Insurance After a DUI in Texas

Pronto Auto Insurance Rates vs. Competitors

When evaluating price, it’s important to see how Pronto Insurance rates stack up to other auto insurance companies like Progressive Insurance. Pronto is not the most expensive option on average when compared to other companies by coverage level, but it is not the cheapest either.

Auto Insurance Monthly Rates by Coverage Level

Company	Minimum Coverage	Full Coverage
	$87	$228
	$76	$198
	$43	$114
	$96	$248
	$63	$164
	$50	$150
	$70	$160
	$47	$123
	$53	$141
	$32	$84

The same is true when you compare Pronto auto insurance rates by driving record. If you are looking for the cheapest company, Pronto probably won’t be the best option.

Auto Insurance Monthly Full Coverage Rates by Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$228	$302	$335	$447
	$198	$247	$282	$275
	$147	$183	$211	$300
	$248	$302	$335	$447
	$164	$196	$230	$338
	$150	$178	$178	$300
	$160	$190	$220	$270
	$165	$195	$210	$285
	$160	$199	$230	$294
	$115	$145	$170	$230

If you are looking for the cheapest car insurance company with a bad driving record, make sure to check out our guide to finding cheap auto insurance with a bad driving record.

Auto Coverages Available at Pronto Insurance

Pronto has several choices of coverage for shoppers. One of the perks of Pronto is that it has several different policy length periods, from one month to six months. In addition to the basic coverages required in Texas and California, Pronto offers the following:

Pronto Auto Insurance Coverage Options

Coverage Type
Liability Coverage	Covers others’ injuries and property damage if you're at fault.
Collision Coverage	Pays for your car damage from a collision.
Comprehensive Coverage	Covers non-collision damage (e.g. theft, fire, hail).
Uninsured/Underinsured Motorist (UM/UIM)	Protects you if the other driver has little or no insurance.
Medical Payments (MedPay)	Pays medical bills for you and passengers.
Personal Injury Protection (PIP)	Covers medical bills and lost wages after an accident.
Roadside Assistance	Help with towing, flat tires, or lockouts.
Rental Reimbursement	Pays for a rental car during repairs.
SR-22 Filing	Proof of insurance for high-risk drivers.
Non-Owner Policy	Liability coverage for drivers without a car.

Pronto has add-ons like roadside assistance that can be added to your insurance package, which comes in handy if your vehicle breaks down and you need help with a quick fix or tow.

Pronto also has SR-22 auto insurance. This insurance is required for high-risk drivers, such as drivers with DUIs or multiple accidents on their record. Pronto Insurance also offers temporary coverage to travelers going to or from Mexico.

Auto Insurance Discounts Available at Pronto

Because Pronto can be more expensive, it is important for customers to ask about all eligible discounts to make their Pronto Insurance policy more affordable. Some great discounts that Pronto Insurance Company offers are below.

Pronto Auto Insurance Discounts by Savings Potential

Discount
Anti-Theft	8%
Auto Pay	10%
Bundling	10%
Full Pay	10%
Good Driver	15%
Loyalty	12%
Multi-Car	35%
Physical Damage Endorsement	5%
Safe Vehicle Features	9%
Transfer from Another Insurer	8%

Pronto’s biggest discount is its multi-car discount (Read More: Best Multi-Vehicle Auto Insurance Discounts). You can get this discount by insuring all of your vehicles at Pronto Insurance.

Other easy discounts to get from Pronto include its auto-pay discount and its full payment discount for when you pay in full rather than month by month. You can use your Pronto insurance login to access your account details and set up different payment options for these discounts.

Customer Reviews of Pronto Insurance

You can find Pronto car insurance reviews on sites like Yelp, Reddit, or Google reviews. Take a look at the Reddit thread below discussing whether Pronto Insurance is reputable.

Some customer reviews say that a major pro of Pronto is that they got a cheaper rate, even with a poor driving record. However, other reviewers recommend avoiding Pronto Insurance due to issues with Pronto claims filing and Pronto insurance payments (Read More: How to Dispute an Auto Insurance Claim).

Business Ratings of Pronto Insurance

There are several business ratings to examine when evaluating Pronto Insurance as a company. Take a look at the most important business ratings below.

Pronto Insurance Business Ratings & Consumer Reviews

Agency
	Score: A Excellent Financial Strength
	Score: B+ Good Business Practices
	Score: 65 / 100 Avg. Customer Service
	Score: 800 / 1,000 Above Avg. Satisfaction
	Score: 2.95 More Complaints Than Avg.

Pronto Insurance reviews on BBB resulted in a B+ rating for business practices. While this rating could be better, a B+ suggests that Pronto has decent business practices.

However, Pronto Insurance struggles with customer reviews according to the NAIC, logging more complaints than the average company (Learn More: Auto Insurance Companies With the Best Customer Service).

Pronto Auto Insurance Pros and Cons

After running through all of the details in our Pronto Insurance review, we found it works best for high-risk drivers and those traveling to Mexico multiple times a year.

• SR-22 Filing: Pronto Insurance will file SR-22 forms and sell insurance to higher-risk drivers.
• Coverage Options: Pronto has several great add-ons like roadside assistance and rental reimbursement.
• Mexico Insurance: Pronto Insurance offers auto insurance when traveling to Mexico.

The downsides? Pronto car insurance quotes are pricey for drivers with clean records. The main cons we found about Pronto Insurance are:

• Availability: Pronto Insurance only sells insurance in Texas and California.
• Expensive Rates: Compared to competitors, Pronto insurance costs more.

Along with high rates, the biggest downside is that you won’t be able to buy Pronto Insurance if you don’t live in Texas or California.

Choosing Pronto Insurance as Your Provider

One of the best pros we found in our Pronto auto insurance review is that it insures higher-risk drivers who need SR-22 filings (Read More: High-Risk Auto Insurance). However, Pronto Insurance rates tend to be pricier than those of other companies, and it is only sold in Texas and California.

If Pronto isn’t the right insurance company for you, there are plenty of other great options on the market. Shop for cheap auto insurance coverage today by entering your ZIP in our free quote tool.