What Proauto does

Proauto is a Brazilian vehicle protection company operating as an association-based membership organization rather than a traditional insurer. Founded around 2005 and headquartered in Belo Horizonte with a secondary office in Campinas, the company serves individual vehicle owners across Brazil through a subscription model in which members pay monthly fees in exchange for coverage against collisions, robbery, and theft, with indemnification guaranteed within 30 days — a timeframe the company claims is the shortest in the Brazilian market.

The company's core offering is structured around a network of more than 18,000 service providers nationwide, referenced workshops using original parts for vehicles up to 10 years old, and 24-hour roadside assistance covering towing, battery recharge, locksmith, tire change, and taxi services. The technology stack centers on a digital platform comprising a website (proauto.org.br) for quote generation, a mobile application rated 4.8 on iOS and Android stores for associate self-service, and dedicated portals for associates (Portal do Associado), workshops (Portal Oficinas), and parts suppliers (Portal Fornecedores). A WhatsApp-based virtual assistant named 'Paco' handles routine customer inquiries.

Proauto monetizes exclusively through recurring monthly membership subscriptions from individual vehicle owners, with pricing determined by individual quote rather than publicly disclosed rate cards. The company acquires customers direct-to-consumer through its website and mobile app, and its value proposition emphasizes transparency (a published regulation), use of genuine parts, a 30-day indemnification guarantee, and a nationwide service footprint. Cumulative claims and repair investments over the company's history are described in the 'billions of reais' range, signaling substantial operational scale despite no disclosed revenue figure, external funding, or public ownership.

Name

Proauto

Legal name

PROAUTO

Website

https://proauto.org.br

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

Proauto is a Brazilian vehicle protection association offering subscription-based coverage for collisions, robbery, and theft to individual car owners nationwide. The company differentiates through a 30-day indemnification guarantee, original parts, and an 18,000+ provider service network.

Ownership category

akta.pro rank

Headquarters

HQ city

Belo Horizonte

HQ country

Brazil

HQ region

Latin America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Supply Chain, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Vehicle Protection Membership Fees: Monthly membership fees from associates for vehicle protection coverage, similar to insurance but structured as a cooperative/association model. Covers collision, robbery, and theft indemnification.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Proauto operates a Brazilian vehicle protection association selling monthly-membership vehicle protection (proteção veicular) plans that cover collisions, robbery, and theft, with indemnification processed within 30 days. Plans are sold direct-to-consumer via a website and a 4.8-rated mobile app that generates quotes in seconds, and are fulfilled through a national network of 18,000+ service providers and referenced workshops using original/genuine parts. Members also access 24-hour roadside assistance services such as towing, battery recharge, locksmith, tire changes, and taxi.

Product overview

PROAUTO is a Brazilian vehicle protection company offering comprehensive protection plans (proteção veicular) that cover collisions, robbery, and theft. The core offering is the PROAUTO Proteção Veicular plan, which uses original parts and a network of referenced workshops. The company provides services through multiple channels including a mobile app for iOS and Android, web portals for associates (Portal do Associado), suppliers (Portal Fornecedores), and workshops (Portal Oficinas). Additional services include 24-hour roadside assistance with towing, battery recharge, locksmith, and tire change services. The company operates with a network of thousands of service providers across Brazil.

Differentiator

Problem solved

Functional benefit

Products and services

• Proauto Proteção Veicular Core vehicle protection membership plan providing coverage for collisions, robbery, and theft, with indemnification within 30 days, original/genuine parts for vehicles up to 10 years old, and repairs performed at referenced workshops by qualified professionals. Designed for individual Brazilian vehicle owners who pay recurring monthly contributions via boleto.
• Aplicativo PROAUTO

Quantifiable outcome

• Indemnification within 30 days

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• Workshop Network PartnerscoreChannel Partner/ Reseller/ DistributorPROAUTO operates with a network of referenced workshops throughout Brazil, providing qualified repair services for protected vehicles. These partners use original parts and professional standards as part of the service quality commitment.
• Parts SupplierscoreChannel Partner/ Reseller/ DistributorParts suppliers are integrated through a dedicated supplier portal, ensuring access to genuine/original parts for vehicle repairs under coverage.
• Service Provider Network (18,000+)coreChannel Partner/ Reseller/ Distributor18,000+ service providers nationwide forming the 24-hour assistance network covering services like towing, battery recharge, locksmith, and tire changes.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• SulAmérica Seguros: Large Brazilian multi-line insurer with a meaningful auto segment alongside health and life. Overlaps Proauto on auto insurance and assistance products but serves a broader portfolio of customer needs.
• Bradesco Seguros: Insurance arm of Bradesco, one of Brazil's largest banks, distributing auto, life and property products via branch and digital channels. Indirect competitor for vehicle protection, leveraging bank-customer relationships.
• Itaú Seguros: Banking-led multi-line insurer distributing auto and residential products to its large Brazilian retail base. Competes with Proauto on auto coverage convenience and bundling, distributed through the Itaú account relationship.

Direct peers

• Porto Seguro: Brazil's largest auto insurer with deep digital distribution, roadside assistance (Auto Socorro), and a Porto Seguro Mais / Carro Fácil ecosystem. Most direct comparable to Proauto given identical Brazilian customer, identical coverage categories (collision, robbery, theft), and competing mobile app experience.
• HDI Seguros: Brazilian insurer specialized in auto coverage with claims service and app-based policy management. Targets the same individual vehicle owner persona as Proauto with overlapping product features (collision, theft, 24-hour assistance).
• Azul Seguros: Digital-first auto insurer in Brazil offering quotes, policy management and claims via app/web. Targets the same Brazilian individual vehicle owner segment as Proauto with a similar direct-to-consumer GTM motion, but as a regulated SUSEP insurer rather than an association.
• Tokio Marine Seguradora: Major Brazilian auto insurer providing collision, robbery and theft coverage plus 24-hour roadside assistance. Operates a national service network paralleling Proauto's 18,000+ provider footprint, addressing the same SMB/individual owner market.
• Zurich Brasil Seguros: Global insurer's Brazilian operation focused on auto and residential lines with national workshop network and roadside assistance. Comparable to Proauto on coverage mix and digital distribution strategy.
• Liberty Seguros Brasil: Brazilian auto and property insurer providing comprehensive auto coverage including collision, robbery, theft and roadside assistance. Direct competitor for Proauto on product scope and target customer, with national reach.
• Mapfre Seguros Brasil: Established Brazilian auto and property insurer with national coverage, workshop referrals and roadside assistance. Competes head-on with Proauto for the same vehicle-protection membership economics, with the advantage of SUSEP-regulated licensing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/proautomarino
• LinkedInlinkedin.com/company/proautoprotecao

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Proauto