Brazil’s auto insurance market will remain stable in 2025 due to the resumption of competition among insurance companies and the evolution of digital platforms, with the average price of small cars tending to decline slightly. According to an internal study carried out by the technical teams of the SeguruAuto.org, Smartia.com.br and Economize.com.br portals, advances in digital quoting and increased competition among insurance companies are among the factors associated with offering more affordable insurance policies.
The analysis took into account different driver profiles, including drivers between 30 and 40 years old, residents of capital cities, drivers who own a private car and have a safe driving record. According to a study conducted, compact models such as the Renault Kwid, Fiat Argo, Chevrolet Onyx, Hyundai HB20 and Toyota Corolla recorded the lowest average insured value among vehicles sold in Brazil in 2025.
Number 2 Claudio RoyoTechnical Director keep“The combination of lower claims rates, use of security technology, and lower risk profile maintains these model policies with a more competitive value.”
According to a study by the Private Insurance Supervision Authority (Susep), the value of an insurance premium is defined according to the risk to which the insured asset is exposed, taking into account the data provided about the vehicle, the insured and the driver. Factors such as where the car is stored, driver profile and usage characteristics have a direct impact on the final insurance cost. Additionally, taking precautions such as keeping your vehicle in a closed garage or installing a tracking device can reduce your risk and therefore reduce the amount your insurer will pay out.
The digitization of quotes and the use of online comparison platforms has changed the insurance contracting process in this country. According to information from the National Confederation of Insurers (CNseg), these tools allow consumers to browse and compare coverage and terms offered by different insurance companies. This increases transparency and increases competition in the market.
According to Bruno SantiagoResponsible for technical supervision. Smartia“As digital tools expand and access to information increases, average prices tend to stabilize.”
According to internal analysis of participating portals, the insurance market is likely to remain competitive in 2026, with adjustments likely only in regions with high claims rates.
Participating platforms observed an increase in demand for personal insurance in 2025, especially for plans with adjustable deductibles and on-demand coverage. According to industry experts, this move is related to new consumer demands for transparency and accessibility.
In general, the process of digitalization and personalization of services is recognized by analysts and experts in the field as one of the main vectors of structural change in the Brazilian insurance market.
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