Smartia

What Smartia does

Smartia is a Brazilian insurtech aggregator founded in 2010 and headquartered in São Paulo. The company operates an online insurance comparison and quotation platform (smartia.com.br) that allows individual consumers and corporate clients to compare policies across auto, health, life, home, dental, and travel insurance, as well as consórcios (group savings/consortium plans). Customers complete an online simulation form specifying their coverage needs; the platform then connects them with partner brokers and insurance companies who finalize quotes and close sales. The platform itself does not underwrite insurance, instead earning revenue through commissions and referral fees from partner insurers and brokers. The comparison service is free to end users, and a phone line (0800 591 8084) is available for inquiries, though the company operates exclusively online.

Underlying the platform is a content-driven, SEO-optimized digital marketing model. Smartia publishes an extensive insurance education blog covering guides, FAQ sections, and pricing tables, which feeds organic search traffic into the bottom-of-funnel quotation forms. The company has built integrations with major insurers including Tokio Marine (for residential and travel insurance) and uses Certisign for digital signature workflows. Two legal entities operate the business: Seguroo Administradora e Corretora de Seguros LTDA owns the Smartia brand, while Zipia Tecnologia LTDA operates the technology and domain.

Smartia is a wholly-owned subsidiary of QuinStreet (NASDAQ:QNST), a US-based digital marketing company headquartered in Silicon Valley. The company employs 51-100 staff distributed across four continents according to its careers page, with primary operations in Brazil. Since founding, Smartia claims to have served over 1 million customers, with funding history totaling roughly $9.1M across rounds from 2011-2016, supplemented by later 500 Global accelerator engagements in 2021-2022.

Name

Smartia

Legal name

Seguroo Administradora e Corretora de Seguros LTDA

Website

https://smartia.com.br

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

Smartia is a Brazilian insurtech aggregator founded in 2010 that operates an online comparison and quotation platform, connecting individual consumers and corporate clients with partner brokers and insurers across auto, health, life, home, dental, travel insurance, and consórcios. It earns revenue via affiliate commissions and is a subsidiary of QuinStreet (NASDAQ:QNST).

Ownership category

akta.pro rank

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Technology or R&D, Marketing or Sales, Personnel, Operations

Revenue model

1. Commission/Referral fees from insurance partners: Smartia acts as an insurance aggregator and comparison platform, earning revenue through commissions and referral fees when customers are connected to and finalize insurance purchases with partner brokers and insurance companies. The platform is free for users to compare and simulate insurance options.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Smartia runs a free online insurance comparison and quotation platform for Brazilian consumers, allowing them to compare and request quotes for auto, health, life, home, travel and dental insurance as well as consórcios. Once a user selects an offer, the request is routed to partner insurance brokers within Smartia's network, who complete the policy sale.

Product overview

Smartia is an online insurance comparison platform (insurtech) that operates as an aggregator connecting consumers with insurance companies and brokers. The platform offers a unified digital experience for comparing and purchasing multiple insurance products: Seguro Auto (auto insurance for cars, motorcycles, and trucks), Plano de Saúde (health insurance plans), Seguro de Vida (life insurance), Seguro Residencial (home insurance), Seguro Viagem (travel insurance), Plano Odontológico (dental plans), and Consórcios (group savings/consortium plans). The core value proposition is comparing quotes from multiple insurers in one place, with partner brokers following up to finalize purchases. The platform does not itself underwrite insurance but acts as an intermediary facilitating connections between users and insurance providers.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance (Seguro Auto) Online comparison and quotation service for auto insurance, allowing Brazilian consumers to compare offers from multiple insurers and be routed to a partner broker to complete the policy.
• Health Insurance (Plano de Saúde) Online comparison and quotation service for health insurance plans, enabling Brazilian consumers to compare health plan options from multiple providers and connect with a partner broker.
• Life Insurance (Seguro de Vida) Online comparison and quotation service for life insurance, letting Brazilian consumers compare life insurance policies from multiple insurers and be connected to a partner broker.
• Home Insurance (Seguro Residencial) Online comparison and quotation service for home insurance, allowing Brazilian consumers to compare home insurance offers and connect with a partner broker.
• Travel Insurance (Seguro Viagem) Online comparison and quotation service for travel insurance, enabling Brazilian consumers to compare travel insurance policies and connect with a partner broker.
• Dental Plan (Plano Odontológico) Online comparison and quotation service for dental plans, allowing Brazilian consumers to compare dental plan offerings and connect with a partner broker.
• Consórcios Online comparison and quotation service for consórcios (Brazilian group-purchase/savings plans), allowing Brazilian consumers to compare consórcio options and connect with a partner broker.

Quantifiable outcome

• Over 1 million people assisted with insurance since 2010

Named customers6 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• Insurance Companies NetworkcoreChannel Partner/ Reseller/ DistributorSmartia works with the largest and best insurance companies in Brazil. Their network of partners includes major insurers for auto, health, life, home, dental, and travel insurance products. Customers are connected to these insurers through the platform's partner broker network.
• Tokio MarinecoreChannel Partner/ Reseller/ DistributorSmartia redirects customers to Tokio Marine services for residential insurance and travel insurance quotations through their broker platform, indicating a partnership with Tokio Marine for these product lines.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bidu: Bidu is a Brazilian online insurance comparison platform offering auto, health, life, and other insurance quotes from multiple carriers. It is the closest direct competitor to Smartia in the Brazilian aggregator market, sharing the same comparison-and-referral model, similar product verticals, and similar SEO-driven GTM.
• Minuto Seguros: Minuto Seguros is one of the largest online insurance brokerages in Brazil, aggregating auto, life, health, and other insurance products from multiple carriers through a digital funnel. It competes head-to-head with Smartia in the same customer segment and uses a comparable broker-callback conversion model.
• 180° Seguros: 180° Seguros is a Brazilian online insurance comparison and broker platform offering auto, home, life, and other insurance lines. It targets the same SMB/individual consumer segment as Smartia and operates a similar multi-carrier aggregation model with digital quote forms.
• ComparaOnline: ComparaOnline is a Latin American insurance and financial product comparison platform operating in Brazil, Chile, and Colombia. It overlaps directly with Smartia's Brazilian auto and other insurance comparison offering and competes for the same SEO and performance-marketing traffic in Brazil.

Emerging players

• Justos: Justos is a Brazilian insurtech startup that underwrites its own auto insurance product using telematics and data-driven pricing, selling direct-to-consumer. While not a comparison platform, it represents the next-generation competitive threat to aggregators like Smartia by offering a fully digital, instant-bind alternative in the auto vertical.
• Pier: Pier is a Brazilian auto insurtech that uses data and technology to price and underwrite auto insurance directly. Although it competes in Smartia's core auto vertical, it takes a different approach (proprietary underwriting rather than aggregation), positioning it as an emerging substitute for the aggregator model.
• Lemonade: Lemonade is a US-based AI-native insurtech operating across home, renters, pet, car, and life insurance with a direct-to-consumer mobile-first model. It is comparable to Smartia as a digitally native insurance brand but represents an emerging model of vertical integration that could eventually expand to Brazil and compete with aggregators.

Regional players

• The Zebra: The Zebra is a leading US online auto and home insurance comparison platform that aggregates quotes from multiple carriers. While it operates in a different geography, it is structurally identical to Smartia — same comparison-and-referral model, same auto/home focus, same SEO-led acquisition — making it a useful US analogue for benchmarking Smartia's model and unit economics.

Others

• Tokio Marine Seguradora: Tokio Marine is one of the largest insurance carriers in Brazil and a direct partner of Smartia for residential and travel insurance quotation flows. It is comparable as a key ecosystem counterparty whose direct-to-consumer digital investment (its own online cotador) represents both a partnership and a potential disintermediation risk for Smartia's aggregator model.
• QuinStreet: QuinStreet (NASDAQ:QNST) is the parent company of Smartia and operates comparable performance-marketing and lead-generation platforms across insurance, financial services, and education in the US. While not a direct market competitor in Brazil, it is the strategic and operational parent that defines Smartia's capital allocation, technology stack, and growth mandate.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/smartiaseguros
• Facebookfacebook.com/SmartiaSeguros
• LinkedInlinkedin.com/company/smartia-seguros-online

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds5 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Smartia