Comparison

Pronto Insurance vs H

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Pronto Insurance

Manage your Texas car insurance policy quickly and easily. Quote, buy, view policy details, pay bills, and report claims. Available in English and Spanish for policyholders.

Highlights
  • Quote and buy car insurance
  • View policy details and documents
  • Pay bills and manage payments
  • Renew or reinstate policies
  • Report a claim
  • Find a local agent
  • Available in English and Spanish
Features
Read full description

Hijuesu! Access your insurance “Faster Than Chisme en feisbuk” Quote, buy and manage your car insurance with Pronto’s App which is “More Flexible Than a Flour Tortilla” Features: Available in English and Spanish View coverages, vehicles, drivers and policy details. View or Download your ID cards, receipts and documents Pay your bill by credit card or debit card. Have multiple payment sources securely saved for easy use View your billing history and upcoming payment schedule. Renew or reinstate expired or cancelled policies Quote or make a policy change. Scan your driver's license for prefill option to save time Find an agent near you Report a Claim Note - Only available to Texas Policy holders

About

H

This debit account offers Texans a convenient way to pay, with benefits like 5% cash back on store brand products and no monthly fees. It also provides overdraft protection and faster access to funds through direct deposit.

Highlights
  • 5% cash back on H-E-B brand products
  • No monthly account maintenance fee
  • Purchase Cushion up to $20
  • Access funds up to 2 days faster
  • Free cash withdrawals at H-E-B ATMs
  • Add funds at no cost at H-E-B locations
Features
Read full description

Account opening is subject to registration and ID verification.¹ Say hello to The H-E-B® Debit Account, a great way to pay from a company Texans have trusted since 1905. Some of the benefits include: • Earn 5% cash back on H-E-B brand products² when you use the H-E-B Debit card. • There is no monthly fee to maintain your account. • Short on funds? With qualifying Direct Deposit, our Purchase Cushion³ may cover you up to $20 if you fall a little short. (Resolve negative balances within 30 days by adding funds to your account.) • Access funds up to 2 days faster⁴ with Direct Deposit. • Free cash withdrawals at H-E-B ATMs.⁵ • Add funds to your account at no cost⁶ by visiting the H-E-B Customer Service Center or checkout. Visit hebdebit.com to learn more. 1 ID verification required. We will ask for your name, address, date of birth and your government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. 2 5% cash back applies only to H-E-B brand products purchased at a store register at H-E-B owned stores, or on heb.com using your H-E-B Debit Card issued by Pathward®, National Association, excluding “digital wallet” transactions. 5% cash back is limited to the amount of the purchase paid for using your H-E-B Debit Card and account number. Not valid for online purchases at Central Market®, Mi Tienda®, Joe V’s Smart Shop®, or through Favor®. No cash back for pharmacy prescriptions, gift cards, restaurants, fuel, car washes, purchases made using digital wallet software rather than presentation of your Debit Card account number, purchases made on the H-E-B Go app or at H-E-B Go kiosks, or purchases at mobile point-of-sale systems deployed in store. Cash back will be credited to your available balance within 7 business days after applicable purchase. Cash back offer by H E-B. Pathward, N.A., Mastercard, and Ouro Global, Inc. do not sponsor, and are not affiliated with the offer. 3 The $20 Purchase Cushion is not an extension of credit. To be eligible, Accountholder must have received qualifying Direct Deposits of paychecks and/or government benefits payments totaling at least $500.00 within one (1) calendar month. See the Deposit Account Agreement for details. 4 Faster funding claim is based on a comparison of the Pathward, National Association, policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction. 5 Free ATM withdrawals at H-E-B branded ATMs (“in-network ATMs”) in the US. Visit your Online Account Center for a list of in-network ATMs. Transactions at all non-H-E-B branded ATMs are $2.95, operator may assess additional charges. 6 There is no fee to add funds at participating H-E-B locations for the H-E-B® Debit Account. See the Deposit Agreement for details and additional fees. The H-E-B® Debit deposit account and H-E-B Debit Card are established by Pathward, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Ouro Global, Inc. is a service provider to Pathward, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Card may be used everywhere Debit Mastercard is accepted. © 2024 Ouro Global, Inc.

Screenshots

Pronto Insurance4 screens
H4 screens

Verdict

The call

The clearest difference is rating: H at 4.9 against Pronto Insurance's 1.4. H also leads on ratings volume (9.6K vs 16) and review sentiment (33% vs 9%). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

H holds the better App Store score, 4.9 against 1.4. That said, the two scores are not equally well evidenced: H has 9.6K ratings behind it against 16, so its average is the more settled of the two. Written reviews point the same way: 9% of Pronto Insurance's written reviews are positive against 33% of H's.

UpkeepUpdate frequency

Pronto Insurance ships an update every 3 months, H every 5 weeks. The most recent releases landed on October 24, 2026 and November 1, 2026 respectively.

Scorecard3 real differences · 7 level
Pronto Insurance versus H: the parameters behind the verdict, then further details
ParameterPronto InsuranceH
PriceFreeFree
Rating1.4 (16 ratings)4.9 (9.6K ratings) — better
Positive reviews8.9% of reviews32.6% of reviews — better
Number of ratings169.6K — better
Update frequencyEvery 3 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.0 — better13.0
Further details — not scored
Size116 MB53 MB
Age rating4+4+
DeveloperPronto InsuranceNetspend Corporation

Customer experience

Pronto Insurance

All ratings4 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews45 reviews
Positive8.9%
Neutral2.2%
Negative88.9%

H

All ratings8,105 ratings
Positive97.4%
Neutral0.9%
Negative1.7%
Written reviews144 reviews
Positive32.6%
Neutral5.6%
Negative61.8%

User reviews

Pronto Insurance

From 16 App Store ratings

What we love

  • 👍 User-friendly interface (when it works)
  • 👍 Works better than the website
  • 👍 Easy interface
  • 👍 Time saver

Room to improve

  • 🐛 App keeps crashing
  • 🐛 App not loading policy information
  • 🐛 Unable to make payments
  • 🐛 App is useless
  • 🐛 Takes too long to load

H

From 9.6K App Store ratings

What we love

  • 💳 Great cash back on HEB products
  • 🏦 Useful for those without regular bank accounts
  • 🇹🇽 Convenient for Texas residents

Room to improve

  • 🐛 Buggy app with frequent issues
  • 🤖 Poor customer service, often outsourced
  • 🔒 Difficulty linking bank accounts and adding funds
  • 💳 Limited functionality compared to regular debit cards

Bugs and requests

Pronto Insurance

Reported bugs

55 issues
  • App keeps crashing on login
  • App not loading policy information for months
  • App not functional for payments
  • App rarely works
  • Takes too long to load
Show 50 more
  • Glitches triggered a double payment
  • Constantly closing unexpectedly
  • Unable to view any documents
  • App does not work at all
  • Error message to call customer service for payments
  • App is useless for payments and renewals
  • E-signature does not register
  • App does not load or closes when options are clicked
  • Cannot click anything without crashing
  • App does not let users access their account for renewal
  • Cannot log in to account
  • App is very slow
  • Keeps signing out when trying to buy insurance
  • App takes users out of policy purchase flow
  • App loops when trying to purchase a policy
  • App does not find policy number after multiple attempts
  • No information in payment, notification tabs
  • No due date for upcoming payment
  • App never finishes loading during setup or login
  • App says DL and DOB are wrong for new quotes
  • App keeps lagging and locking
  • App shows error for DL# and DOB when adding a driver
  • App rejects online account creation with correct information
  • App stays loading forever
  • App says user has no policy
  • App does not work for payments
  • App does not work for renewals
  • App does not work for looking up policy number
  • App does not work for e-signature
  • App does not work for managing policy
  • App does not work for making payments
  • App does not work for updating information
  • App does not work for seeing due dates
  • App does not work for setting notification preferences
  • App does not work for adding payment info
  • App does not work for login
  • App does not work for password reset
  • App is extremely slow
  • App is not user-friendly
  • App needs a lot of updates and cleaning up
  • Cannot create an account
  • Cannot make payments through the app
  • App used to work but now is useless
  • App no longer works since January
  • Invalid password or username on login
  • Forget passwords feature doesn't work
  • Customer service doesn't know about the app
  • App loops back to the front page on login
  • App slows down when adding payment info
  • No California version available

Requested features

22 requests
  • Fix the app
  • Make the app functional and user-friendly
  • Update the app
  • Fix the issues with signing in and policy selection
  • Fix the app so payments can be made
Show 17 more
  • Fix the app so users can manage their policy
  • Fix the app so users can make payments
  • Fix the app so users can update information
  • Fix the app so users can see due dates
  • Fix the app so users can set notification preferences
  • Fix the app so users can add payment information
  • Make the app faster
  • Allow payments through the app again
  • Fix the login issues
  • Fix the password reset feature
  • Provide support for the app
  • Allow users to view documents
  • Allow users to make payments
  • Allow users to renew policies
  • Allow users to use e-signature
  • Improve app performance
  • Add a California version of the app

H

Reported bugs

3 issues
  • App crashes and freezes
  • Deposit and transfer failures
  • Incorrect transaction reporting

Requested features

3 requests
  • Link to mobile wallets like Apple Pay
  • Improved deposit and transfer options
  • Overdraft protection

In-app purchases

None

Pronto Insurance

No in-app purchases

None

H

No in-app purchases

Questions

Is Pronto Insurance free?
Pronto Insurance is free to download, with no in-app purchases.
Is H free?
H is free to download, with no in-app purchases.
Which has better reviews, Pronto Insurance or H?
H is rated higher. Pronto Insurance averages 1.4 out of 5 from 16 ratings, while H averages 4.9 from 9.6K ratings.
Do Pronto Insurance or H have ads?
Neither Pronto Insurance nor H shows ads.
Which is updated more often, Pronto Insurance or H?
Pronto Insurance ships an update every 3 months, and H every 5 weeks. Most recently, Pronto Insurance was updated on October 24, 2026 and H on November 1, 2026.

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