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Written by
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Reviewed by
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UPDATED: Mar 31, 2022
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Here's the Scoop
- Pronto Insurance is only available in three states
- You can buy liability-only or full coverage insurance with Pronto Insurance
- Pronto Insurance provides SR-22 insurance
Drivers who speak English as a second language may be interested in working with Pronto Insurance. This insurance company has been in business for over 20 years and specializes in providing coverage for Latino communities. Keep reading this Pronto Insurance review to learn more about this company’s coverages and discover if Pronto Insurance can meet your coverage needs.
What is the Pronto Insurance Company?
Founded in 1997, Pronto Insurance specializes in providing coverage to high-risk drivers. This company also prioritizes servicing Latino communities and offers a Spanish and English version of its website. You can also work with a bilingual Pronto representative if English isn’t your first language. The Pronto website also offers a live chat service as well as an agency locator tool.
Jorge Bárcena is the current President of Pronto Insurance. While Pronto has a specialized clientele, this company has continued to grow. It serves over 5 million drivers and has paid out over $1 billion in claims.
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Where does Pronto Insurance provide coverage?
Pronto Insurance’s coverage area is very small. You can only do business with Pronto Insurance if you live in:
If you don’t live in any of these states, you can shop online to find an insurance company that provides coverage where you live. Unfortunately, you also won’t be able to purchase a policy through Pronto Insurance if your car is over 40 years old, doesn’t have a U.S. license plate, or is used for racing.
What auto insurance coverages does Pronto Insurance provide?
You can purchase different types of car insurance like liability-only or full coverage through Pronto Insurance. When you buy a Pronto auto insurance policy, you have access to coverages like these:
- Liability
- Un/Underinsured Motorist Coverage
- Personal Injury Protection Coverage
- Roadside Assistance Coverage
- Collision Coverage
- Comprehensive Coverage
- Rental Coverage
- Towing Coverage
- Custom Equipment
You will also be able to choose if your policy will run for one, two, three, or six months. In addition to these coverages and flexible term limits, drivers who need it can obtain SR-22 insurance with Pronto.
What is SR-22 Insurance?
SR-22 insurance proves that you are in compliance with your state’s coverage laws. If you’re not sure what the minimum coverage requirements are in your state, you can review them here:
| States | Coverage Requirements | |
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| Florida | $10k property damage liability per accident $10k personal injury protection |
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| California | $15k bodily injury liability per person $30k bodily injury liability per accident $5k property damage liability per accident |
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| Delaware | $15k bodily injury liability per person $30k bodily injury liability per accident $10k property damage liability per accident |
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| Pennsylvania | $15k bodily injury liability per person $30k bodily injury liability per accident $5k property damage liability per accident $5k medical benefits |
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| Arkansas, Delaware, Nevada | $15k bodily injury liability per person $30k bodily injury liability per accident $10k property damage liability per accident |
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| New Jersey | $15k bodily injury liability per person $30k bodily injury liability per accident $5k property damage liability per accident $15k personal injury protection |
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| Louisiana | $15k bodily injury liability per person $30k bodily injury liability per accident $25k property damage liability per accident |
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| Michigan | $20k bodily injury liability per person $40k bodily injury liability per accident $10k property damage liability per accident |
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| Iowa | $20k bodily injury liability per person $40k bodily injury liability per accident $15k property damage liability per accident |
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| Hawaii | $20k bodily injury liability per person $40k bodily injury liability per accident $10k property damage liability per accident $10k personal injury protection |
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| Indiana, Montana, New Mexico, Washington | $25k bodily injury liability per person $50k bodily injury liability per person $10k property damage liability per accident |
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| Colorado, Idaho, Tennessee | $25k bodily injury liability per person $50k bodily injury liability per accident $15k property damage liability per accident |
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| Kentucky | $25k bodily injury liability per person $50k bodily injury liability per accident $10k property damage liability per accident $10k personal injury protection |
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| Wyoming | $25k bodily injury liability per person $50k bodily injury liability per accident $20k property damage liability per accident |
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| Alabama, Arizona, Georgia, Mississippi, Ohio, Oklahoma, Rhode Island | $25k bodily injury liability per person $50k bodily injury liability per accident $25k property damage liability per accident |
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| Maryland | $30k bodily injury liability per person $60k bodily injury liability per accident $15k property damage liability per accident |
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| Utah | $25k bodily injury liability per person $65k bodily injury liability per accident $15k property damage liability per accident $3k personal injury protection |
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| Texas, North Carolina | $30k bodily injury liability per person $60k bodily injury liability per accident $25k property damage liability per accident |
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| Connecticut | $20k bodily injury liability per person $40k bodily injury liability per accident $10k property damage liability per accident $20k uninsured/underinsured motorist coverage per person $40k uninsured/underinsured motorist coverage per accident |
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| Kansas, Wisconsin | $25k bodily injury liability per person $50k bodily injury liability per accident $10k property damage liability per accident $25k uninsured/underinsured motorist coverage per person $50k uninsured/underinsured motorist coverage per accident |
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| WA, District of Columbia | $25k bodily injury liability per person $50k bodily injury liability per accident $10k property damage liability per accident $25k uninsured/underinsured motorist coverage per person $50k uninsured/underinsured motorist coverage per accident $5k uninsured/underinsured |
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| Illinois | $25k bodily injury liability per person $50k bodily injury liability per accident $20k property damage liability per accident $25k uninsured motorist coverage per person $50k uninsured motorist coverage per accident |
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| Massachusetts | $30k bodily injury liability per person $60k bodily injury liability per accident $15k property damage liability per accident $20k uninsured motorist coverage per person $40k uninsured motorist coverage per accident $8k personal injury protection |
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| Missouri | $30k bodily injury liability per person $60k bodily injury liability per accident $10k property damage liability per accident $25k uninsured motorist coverage per person $50k uninsured motorist coverage per accident |
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| Nebraska, South Dakota | $25k bodily injury liability per person $50k bodily injury liability per accident $25k property damage liability per accident $25k uninsured motorist coverage per person $50k uninsured motorist coverage per accident |
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| Alaska | $50k bodily injury liability per person $100k bodily injury liability per accident $25k property damage liability per accident |
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| Oregon | $25k bodily injury liability per person $50k bodily injury liability per accident $20k property damage liability per accident $25k uninsured motorist coverage per person $50k uninsured motorist coverage per accident $15k personal injury protection |
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| Minnesota | $25k bodily injury liability per person $50k bodily injury liability per accident $10k property damage liability per accident $25k uninsured motorist coverage per person $50k uninsured motorist coverage per accident $40k personal injury protection |
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| South Carolina, West Virginia | $25k bodily injury liability per person $50k bodily injury liability per accident $25k property damage liability per accident $25k uninsured motorist coverage per person $50k uninsured motorist coverage per accident $25k uninsured motorist property damage coverage |
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| North Dakota | $25k bodily injury liability per person $50k bodily injury liability per accident $25k property damage liability per accident $25k uninsured/underinsured motorist coverage per person $50k uninsured/underinsured motorist coverage per accident $30k personal injury protection |
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| Vermont | $25k bodily injury liability per person $50k bodily injury liability per accident $10k property damage liability per accident $50k uninsured motorist coverage per person $100k uninsured motorist coverage per accident $10k uninsured motorist property damage coverage per accident |
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| Maine | $50k bodily injury liability per person $100k bodily injury liability per accident $25k property damage liability per accident $50k uninsured motorist coverage per person $100k uninsured motorist coverage per accident $2k medical payments coverage |
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| New York | $25k bodily injury liability per person $50k bodily injury liability per accident $50k liability for death per person $100k liability for death per accident $10k property damage liability per accident $50k personal injury protection $25k uninsured motorist coverage per person $50k underinsured motorist coverage per accident |
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Drivers who are trying to get their license reinstated or drivers who have been convicted of driving under the influence may need to purchase SR-11 insurance.
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Are Pronto Insurance rates affordable?
You’ll need to get a quote to determine how much you’ll pay with Pronto Insurance, as sample rates aren’t offered on the company website. However, you can use this chart to see how much you may pay for insurance in your home state:
Average Monthly Comprehensive Car Insurance Rates by State
| States | Average Monthly Comprehensive Rates | |
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| *Industry Average | $157 | |
| Alabama | $135 | |
| Alaska | $93 | |
| Arizona | $139 | |
| Arkansas | $108 | |
| California | $172 | |
| Colorado | $168 | |
| Connecticut | $149 | |
| Delaware | $148 | |
| District of Columbia | $155 | |
| Florida | $164 | |
| Georgia | $165 | |
| Hawaii | $99 | |
| Idaho | $78 | |
| Illinois | $93 | |
| Indiana | $105 | |
| Iowa | $105 | |
| Kansas | $147 | |
| Kentucky | $170 | |
| Louisiana | $227 | |
| Maine | $86 | |
| Maryland | $172 | |
| Massachusetts | $102 | |
| Michigan | $192 | |
| Minnesota | $99 | |
| Mississippi | $158 | |
| Missouri | $138 | |
| Montana | $167 | |
| Nebraska | $139 | |
| Nevada | $134 | |
| New Hampshire | $106 | |
| New Jersey | $146 | |
| New Mexico | $140 | |
| New York | $193 | |
| North Carolina | $110 | |
| North Dakota | $143 | |
| Ohio | $92 | |
| Oklahoma | $121 | |
| Oregon | $154 | |
| Pennsylvania | $128 | |
| Rhode Island | $229 | |
| South Carolina | $112 | |
| South Dakota | $137 | |
| Tennessee | $103 | |
| Texas | $152 | |
| Utah | $138 | |
| Vermont | $92 | |
| Virginia | $109 | |
| Washington | $123 | |
| West Virginia | $116 | |
| Wisconsin | $106 | |
| Wyoming | $146 | |
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Your rates may differ from those shown above depending upon where you live, the type of car you drive, and what discounts you are eligible for.
Pronto Insurance doesn’t share what, if any, discounts it offers. To verify that you are getting the best deal, request free quotes from at least three different companies. This practical step will allow you to see which company can get you the best coverage while offering you the most money-saving opportunities.
What You Need to Know About Pronto Insurance
If you speak English as a second language or are having a difficult time getting car insurance coverage through major insurance companies, Pronto Insurance may be a good fit for you. This company offers coverage to high-risk drivers and provides bilingual support for Spanish-speaking drivers.
Unfortunately, Pronto Insurance is only available in three states. If you live outside of California, Florida, or Texas, you can shop online to find the best insurance company for your needs.
