Amid the resumption of competition between insurance companies and the advancement of digital platforms, Brazil’s auto insurance market remains stable in 2025, with a tendency for a slight decline in average prices for compact vehicles. According to an internal survey conducted by the technical teams of the SeguroAuto.org, Smartia.com.br and Economize.com.br portals, the advancement of digital prices and increasing competition between insurance companies are among the factors associated with offering insurance policies at affordable prices.
The analysis took into account diverse driver profiles, including drivers aged 30-40, residing in capital cities, those with personal vehicles and a safe driving record. According to the survey conducted, in 2025, compact models such as Renault Kwid, Fiat Argo, Chevrolet Onix, Hyundai HB20 and Toyota Corolla recorded some of the lowest average insurance values among vehicles sold in Brazil.
second Claudio Royotechnical director Save“The combination of lower claims rates, use of safety technologies, and lower risk has kept these model policies at more competitive values.”
According to studies by the Private Insurance Supervision Authority (SOSIP), the value of the insurance premium is determined 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. Elements such as the location where the vehicle is kept, driver profile and usage characteristics directly affect the final cost of insurance. Furthermore, preventative measures, such as keeping the car in a locked garage and installing tracking devices, can reduce the risks and thus the amount the insured pays.
The digitization of quotes and the use of online comparison platforms have transformed the insurance contracting process in the country. According to information from the National Confederation of Insurers (CNseg), these tools allow consumers to consult and compare the coverage and conditions offered by different insurance companies. This increases transparency and enhances competition in the market.
according to Bruno SantiagoResponsible for technical supervision of SmartiaHe added: “The trend is for the average price to remain stable, following the expansion of digital tools and increased access to information.”
According to internal analyzes of participating portals, the insurance market tends to remain competitive in 2026, with adjustments possible only in regions with a higher rate of claims.
Participating platforms noted increased demand for personal insurance in 2025, especially for plans with adjustable deductibles and on-demand coverage. According to industry experts, this movement is linked to new consumer demands for transparency and accessibility.
In general, the process of digitization and personalization of services has been identified by analysts and professionals in the field as one of the main drivers of structural change in the Brazilian insurance market.
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