Last Updated: January 9, 2023

Pronto Insurance Franchise vs
Renegade Insurance: The Best Choice

TLTR: Pronto Insurance Franchise and Renegade Insurance (formerly Covered by SAGE) are two options for insurance agents to better their careers. Here, we take a look at their target demographics, their offerings, and earning potential to decide which is a better choice for agents.

Different variations of independent insurance agencies or insurance networks have existed for the past few decades. While many old players have successfully adapted to their specialty, new players in the independent market are encouraging the business to further its technological advancement. 

Today, we will look at two such companies: Pronto Insurance Franchise, a leading insurance provider for the Hispanic market, and Renegade Insurance, a relative newcomer “looking to disrupt the market.” 

In this blog

How are Pronto Insurance Franchise and Renegade Insurance different?

Pronto Insurance is the leading insurance provider for the Hispanic market, with over 200 retail locations across Texas, Florida, and California. According to, they were even listed #2 in National Minority Franchise Initiative’s Top 50 Franchises for Minorities list in 2014.  

On the other hand, Renegade Insurance is a newcomer in the industry, with just under half a decade of experience. They are a tech-centric brokerage and operate a pseudo-franchise model. With an investor portfolio of market leaders that built category-defining brands, Renegade is looking to revolutionize the industry with market-leading technology

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How do Pronto Insurance agents and Renegade Insurance agents make money?

Pronto Insurance agents make money off commissions from each policy they sell. Their commission split remains unrevealed and is listed as “competitive.” A look at Pronto Insurance reviews on Indeed shows that pay is one of the biggest complaints of agents working there. However, it has been listed as an excellent place to start your career in the insurance sector. 

On contrary, Renegade Insurance offers some of the best commissions in the market. Their splits rise up to 95/5, depending on the line of business and premium range. Agents can also sell beyond P&C insurance through Renegade’s affiliation with several life and health insurance providers. 

How do Pronto Insurance agents and Covered by SAGE agents make money

How much do Pronto Insurance and Renegade Insurance charge you?

Pronto Insurance runs on a franchise model so, there are various fees and charges involved. The initial franchise fee ranges from $20,000 to $40,000, and total initial investment can range from $52,925 to $120,950. They also charge various training, tech, and marketing fees.. However, they do offer a 25% discount on the franchise fee for veterans. 

Pronto Insurance also has a retail requirement, so regular upkeep of your storefront and hiring staff will add to your costs. A look at Pronto Insurance reviews online shows that although employees are happy with the experience they get, they are not happy with the finances. 

In terms of Renegade Insurance, it has one of the lowest financial barriers of entry into the market. They charge their agents a monthly fee and provide benefits like client servicing, carrier access, marketing, and training.  

What is the market potential for Pronto Insurance and Renegade Insurance?

Pronto Insurance franchise focuses on the Hispanic community. Since their target is limited, so is their marketing scope. Their list of carriers is undisclosed as well, and they only offer their agents P&C options to sell to clients. Their presence is also limited to Florida, California, and Texas, the three states with the largest Hispanic population in the US. 

Likewise, Renegade Insurance offers access to over 90 national and regional insurance carriers, including life and health carriers. Agents have a larger market to choose from, and the target market for agents is not set; agents are free to sell to whomever they want to. 

What is the market potential for Pronto Insurance and Covered by SAGE

In A Nutshell

Pronto Insurance franchise has made a name in the Hispanic American community, providing insurance solutions to that particular demographic.  

Renegade Insurance tries its best to uplift its agents. There is also no franchise fees, retail requirements, or hidden costs.  

Take a look at several factors among these two, and decide the best choice for yourself: 

  Pronto Insurance Renegade Insurance
Franchise Fee Yes No
Retail space required Yes No
Agents can sell life and health policies No No
Agents can sell personal policies Yes Yes
Agents can sell commercial policies Yes Yes
Monthly technology fees Yes Yes
Proprietary technology agents can use for free No No

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