Minuto Seguros

What Minuto Seguros does

Minuto Seguros (legal name: Minuto Corretora de Seguros S.A.) is a Brazilian online insurance brokerage founded in 2009 and headquartered in São Paulo, operating under SUSEP registration n. 20.2002501. The company runs a web-based comparison and policy-issuance platform that aggregates products from sixteen partner insurers—including Allianz, Bradesco, Porto Seguro, Azul, Itaú, Zurich, Tokio Marine, Mapfre, HDI, Ituran, Yelum (formerly Liberty), Sompo, Mitsui, Youse, Suhai, and Alfa/Aliro—and enables individual consumers and small-to-medium businesses to compare plans, request quotes, and complete purchases either fully online or with human-assisted sales via toll-free phone (0800 882 0656), WhatsApp, and chat. Coverage spans auto (with sub-products for young drivers, women, rideshare/app drivers, PCD vehicle owners, and used cars), residential, life, personal accident, travel, and SME lines (property, health, life, dental). The broker has positioned itself as the largest online corretora in Brazil, with 800,000+ policies sold across its operating history and presence in all 26 Brazilian states plus the Federal District.

Revenue is generated entirely through commissions paid by partner insurers on each policy placed via the platform, with quote-based pricing that varies by vehicle, driver profile, coverage, and location, and settlement options including boleto, debit, and credit-card installments up to 10x. Distribution is exclusively remote—website, inside sales, WhatsApp, and chat—with no physical retail footprint. The company's brand is reinforced by a 4x Reclame Aqui award (2014, 2021, 2024, 2025) for best online insurance company, an 8.4/10 platform satisfaction rating, and the credibility contribution of being the insurance vertical of Creditas, the largest online credit platform in Latin America.

Name

Minuto Seguros

Legal name

Minuto Corretora de Seguros S.A.

Website

https://minutoseguros.com.br

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

251–500 employees

Short description

Minuto Seguros is Brazil's largest online insurance brokerage, operating a comparison platform across 16 partner insurers that lets consumers and small businesses buy auto, residential, life, accident, travel, and SME insurance online or via phone, WhatsApp, and chat under the Creditas financial-services ecosystem.

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

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions: Minuto Seguros earns revenue by earning commissions from insurance companies (seguradoras) for each policy sold through its platform. As an authorized insurance broker (corretora) regulated by SUSEP, it intermediates sales between customers and insurers and receives a commission share from the insurer for each successful policy placement.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Minuto Seguros is an online insurance brokerage (corretora de seguros) that aggregates and compares auto, residential, life, personal accident, travel, and business insurance products from up to 16 partner insurers in a single digital platform. Customers complete the quote, comparison, and policy purchase journey 100% online, with optional human assistance via phone, chat, or WhatsApp, and the broker earns commissions from partner insurers for each policy sold.

Product overview

Minuto Seguros is the largest online insurance broker in Brazil, operating as part of Creditas financial services platform. The company operates as an insurance aggregator/comparison platform that enables customers to compare and purchase auto, residential, travel, life, personal accident, and business insurance products from up to 16 partner insurance companies (including Alfa, Aliro, Allianz, Azul, Bradesco, HDI, Itau, Ituran, Mapfre, Mitsui, Porto Seguro, Sompo, Suhai, Tokio Marine, Youse, and Zurich). The core platform is an online quote and comparison engine that connects customers with insurance providers, supported by human consultants via phone, chat, and WhatsApp. Specialized sub-products include auto insurance variants for young drivers, women, app-based drivers, PCD (disabled persons), and used vehicles. Business insurance includes property, health, life, and dental insurance for SMEs. The company emphasizes combining technology convenience with human atendimento (service).

Differentiator

Problem solved

Functional benefit

Products and services

• Seguro Auto Auto insurance brokerage enabling comparison of quotes from up to 16 partner insurance companies, offering coverages including collision, theft, fire, natural disaster damage, third-party liability, 24-hour assistance, glass coverage, and loaner car. Targeted at Brazilian vehicle owners.
• Seguro Residencial Home insurance brokerage protecting residences against electrical damage, fire, lightning and explosion, robbery and theft, civil liability, glass breakage, vehicle or aircraft impact, and windstorms, including residential assistance services. Targeted at Brazilian homeowners and renters.
• Seguro de Vida Life insurance brokerage providing death coverage (accidental or any cause), permanent disability due to accident, double indemnity for accidental death, special advance for terminal illness, daily payments for temporary incapacity, medical/hospital/dental expenses, funeral assistance, and permanent disability coverage. Targeted at individuals and families in Brazil seeking financial protection.
• Seguro contra Acidentes Pessoais Personal accident insurance covering accidental death, permanent or partial disability, temporary incapacity, and funeral expenses, including passenger accident insurance (APP), individual/student, school, trips/excursions, and events coverage. Targeted at self-employed professionals, students, schools, and event organizers in Brazil.
• Seguro Viagem Travel insurance brokerage providing protection against unforeseen events and accidents while traveling, with coverage for medical expenses, trip cancellation, and emergency assistance. Targeted at Brazilian travelers.
• Seguro Empresarial Business insurance brokerage protecting company assets against physical damage from fires, robberies, thefts, natural disasters, and other risks, and including health, life, dental, and property insurance for SMEs. Targeted at Brazilian small and medium-sized businesses.
• Plataforma de Cotação Online Online quote platform allowing customers to compare insurance prices, plans, and coverage from up to 16 partner insurers in one place, enabling 100% online purchase without paperwork. The flagship customer-facing platform of Minuto Seguros.

Quantifiable outcome

• Over 800,000 insurance policies sold in 15 years
• +4 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

18 partnerships are on record, tiered core and flagship.

• Alfa SeguroscoreChannel Partner/ Reseller/ DistributorAlfa Seguros is a Brazilian insurance company founded in 1999, part of the Conglomerado Alfa. It is among the 12 largest auto insurers in Brazil. Minuto distributes Alfa's auto insurance products through its online platform, offering coverages including collision, theft, natural disasters, 24h assistance, rental car, glass, and third-party damage.
• Aliro SegurocoreChannel Partner/ Reseller/ DistributorAliro Seguro is a brand of Yelum Seguradora, offering simplified auto insurance coverage options. Minuto distributes Aliro's auto insurance products including two plans (Seguro Auto P and Seguro Auto M) with coverages for theft, collision, fire, third-party damage, glass, rental car, and emergency assistance.
• Allianz SeguroscoreChannel Partner/ Reseller/ DistributorAllianz Seguros has operated in Brazil since 1984 and is considered one of the largest global insurers, ranked as the 21st largest company globally by Forbes. Minuto distributes multiple Allianz auto insurance plans including Basic, Ampliado, Completo, Master, and Exclusivo, with coverage limits up to R$1,000,000 for third-party damages.
• Azul SeguroscoreChannel Partner/ Reseller/ DistributorAzul Seguros is a brand of Grupo Porto Seguro, offering differentiated auto insurance plans at competitive prices. Available plans include Azul Seguro Auto Tradicional, Leve, Roubo, Popular, and Táxi, distributed through Minuto's platform.
• Bradesco SeguroscoreChannel Partner/ Reseller/ DistributorBradesco Seguros is a traditional Brazilian insurance brand and one of the largest insurers in the country. Minuto distributes Bradesco auto insurance products including Auto, Auto Correntista, Auto Assistência Total, Auto Mulher, and Auto Lar plans.
• HDI SeguroscoreChannel Partner/ Reseller/ DistributorHDI Seguros is a German insurer operating in Brazil for over 30 years with approximately 60 branches nationwide. Minuto distributes HDI's personalized auto insurance plans including HDI Auto Perfil, Auto Básico, Fit, Flex, Auto Protegido, Duo, and Auto Funcional.
• Itaú SeguroscoreChannel Partner/ Reseller/ DistributorItaú Seguros is part of Grupo Porto Seguro (which also owns Porto Seguro and Azul Seguros), one of the largest insurance groups in Brazil. Minuto distributes Itaú auto insurance plans including Proteção para Terceiros and Plano Completo.
• Ituran SeguroscoreChannel Partner/ Reseller/ DistributorIturan Seguros is a global leader in vehicle monitoring and recovery, founded in Israel in 1995 and operating in Brazil since 1999 with over 700,000 customers. Minuto distributes Ituran's auto and motorcycle insurance combined with vehicle tracking technology, including benefits such as a discount club and home installation.
• Yelum Seguradora (formerly Liberty)coreChannel Partner/ Reseller/ DistributorYelum Seguradora is considered one of the world's most credible insurers, founded in the USA and part of Liberty Mutual Group. Minuto distributes Yelum's auto insurance plans including Perfil, Consciente, and Exclusivo, with additional services such as driver reserve and vehicle pickup/drop-off.
• Mapfre SeguroscoreChannel Partner/ Reseller/ DistributorMapfre Seguros has over 80 years of global history and 20 years of Brazilian operations, recognized as one of the largest and most reliable insurers in Brazil. Minuto distributes Mapfre's 7 auto insurance plans including Auto, Auto Gold (with premium rental car), Auto Caminhão, Auto Responsável, and Auto Táxi.
• Mitsui Seguros (Mitsui Sumitomo)coreChannel Partner/ Reseller/ DistributorMitsui Seguros (Mitsui Sumitomo Seguros) is part of one of Japan's largest insurance conglomerates with nearly 400 years of history, operating in Brazil for over 50 years. Minuto distributes Mitsui's auto insurance with full coverage, 24h assistance, anti-theft device, glass coverage, rental car, and extended towing.
• Porto SegurocoreChannel Partner/ Reseller/ DistributorPorto Seguro has over 70 years of market presence and is one of the largest insurers in Brazil, known for unlimited-distance towing, 24h services, and extensive discounts. Minuto distributes Porto's auto insurance plans including Auto, Auto Premium, Auto Mulher, Auto Jovem, and Auto Sênior.
• Suhai SeguradoracoreChannel Partner/ Reseller/ DistributorSuhai Seguradora is a leader in personal security for over 20 years in Brazil, specializing in auto, motorcycle, and truck insurance. Minuto distributes Suhai's personalized auto and motorcycle insurance with coverage for theft, 24h assistance, total loss, and third-party damage, rated 8.0 on Reclame Aqui.
• Tokio Marine SeguradoracoreChannel Partner/ Reseller/ DistributorTokio Marine has over 100 years of global market presence and is recognized for quality service and protection solutions. Minuto distributes Tokio Marine's five auto insurance plans: Auto, Auto Clássico, Auto Econômico, Auto Roubo, and Auto Roubo + Rastreador, available via app and chat.
• Youse SeguroscoreChannel Partner/ Reseller/ DistributorYouse Seguros has operated in Brazil since 2016 as a 100% digital insurance platform. Minuto distributes Youse's auto insurance, which can be purchased and managed entirely online, with flexible payment options and customizable coverage.
• Zurich SeguroscoreChannel Partner/ Reseller/ DistributorZurich Seguros, founded in Switzerland in 1872, has over 30 years in Brazil and ranks among the 5 largest insurers in the country. Minuto distributes Zurich's auto and motorcycle insurance with flexible plans, 24h assistance, and specialized coverage for electric and hybrid vehicles.
• Sompo SeguroscoreChannel Partner/ Reseller/ DistributorSompo Seguros resulted from the integration of Marítima Seguros and Yasuda Seguros under Japanese group Sompo Holdings (130+ years global experience, 20+ million clients worldwide). Minuto distributes Sompo's auto insurance with basic coverage for collision, fire, theft, material and bodily damages, plus 24h assistance.
• CreditasflagshipStrategic or Co-development PartnerMinuto Seguros is a subsidiary of Creditas, the largest online credit platform in Latin America. Creditas provides brand backing, financial services ecosystem integration, technology infrastructure, and operational support. Creditas also owns the brand's financial services platform (credit, insurance, investments), and Minuto serves as the insurance vertical of the Creditas ecosystem.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Youse Seguros: 100% digital auto insurer in Brazil owned by Caixa Seguradora that sells and services policies via its own app. Like Minuto, it targets Brazilian consumers seeking online-first auto insurance, but operates as a carrier rather than multi-carrier broker — making it both a partner and a direct competitive threat.
• Azul Seguros: Direct-digital auto insurance brand of Grupo Porto Seguro offering differentiated plans via its own channels. Distributed through Minuto but also competes with it via its own digital storefront, mirroring the Youse-style disintermediation dynamic.
• Wibe: Brazilian digital auto insurance broker offering online quote comparison and policy purchase across multiple carriers. A direct online brokerage peer competing for the same digital-first auto-insurance customer in Brazil.
• Bidu Corretora: Brazilian online insurance broker (corretora) that aggregates multiple insurers for auto and other personal lines online. Closest head-to-head competitor to Minuto in the Brazilian online brokerage segment with a similar multi-carrier comparison value proposition.

Emerging players

• Justos: Brazilian digital-first auto insurer using telematics-based pricing for fair, usage-based premiums. Comparable as a tech-enabled new entrant targeting the same online-first Brazilian auto-insurance buyer that Minuto serves.
• Magazine Luiza (Magalu) Seguros: Brazilian retail giant expanding into financial services including insurance distribution via its marketplace and MagaluPay wallet. Adjacent entrant with comparable distribution ambition and potential to bundle insurance with retail credit ecosystems similar to Creditas.

Broad incumbents

• Icatu Seguros: Brazilian insurance group focused on life, pension, and capitalization products with growing digital distribution. Comparable because it overlaps with Minuto on the life-insurance distribution side and is exploring digital aggregator partnerships.
• Porto Seguro: One of the largest insurance groups in Brazil with 70+ years of history, operating its own distribution and broker channels including Porto Seguro, Azul Seguros, and Itaú Seguros. Comparable because it competes for the same auto-insurance customers while also being one of Minuto's largest carrier partners.
• Wiz Soluções: Large Brazilian insurance and financial-services broker associated with the telecom/retail channel. Comparable as an established multi-line insurance broker competing for the same Brazilian consumer insurance wallet but with a different distribution backbone.

Others

• Creditas: Parent company of Minuto Seguros and the largest online credit platform in Latin America. Included as a strategic/parent reference rather than direct competitor, since Creditas' consumer credit and financial-services ecosystem is the platform Minuto is built on.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/minutoseguros
• Instagraminstagram.com/minutoseguros
• Xx.com/minutoseguros

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds4 records

Investors2 records

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 Minuto Seguros