Porto Seguro review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Porto Seguro suits Brazilian households and small companies that want a single insurer across car, home, life, health, travel, pet, motorcycle and gadget cover, all on monthly payments. It scores 7.3 overall, and the pricing runs monthly so household budgeting stays predictable.
Key facts
- Best for
- Households and small companies wanting a single Brazilian insurer for personal lines and monthly payments.
- Premium from
- R$19.90 (Source, checked September 26, 2026)
- Insurance types
- Auto, Home, Life, Health, Travel, Pet, Motorcycle, Gadget (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Claims channels
- Mobile-app, Whatsapp, Phone, Email (Source, checked September 26, 2026)
- Age range
- Policy holder over 18 for phone insurance (Seguro Celular) (Source, checked September 26, 2026)
- Legal entity
- Porto Seguro Cia. de Seguros Gerais (Source, checked September 26, 2026)
- Headquarters
- Brazil (Source, checked September 26, 2026)
- Founded
- 1945 (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Help-centre, Email (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- portoseguro.com.br
Business insurance
- Provider type
- Insurer (Source, checked September 26, 2026)
- Cover types
- Public-liability, Property (Source, checked September 26, 2026)
- Premium from
- R$19.90 (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Industries
- transport, agribusiness, events, rental (Source, checked September 26, 2026)
- Legal entity
- Porto Seguro Cia. de Seguros Gerais (Source, checked September 26, 2026)
- Headquarters
- Brazil (Source, checked September 26, 2026)
- Founded
- 1945 (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Help-centre, Email (Source, checked September 26, 2026)
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- A single insurer covers auto, home and life, so a household can keep its personal policies with one provider.
- Claims open through mobile app, whatsapp and phone, which gives more routes into a claim than a phone line alone.
- Support runs on phone, chat and help centre, so policy questions go to a phone line, a chat window, a help centre or email.
- Business lines cover public liability and property, aimed at companies working in transport, agribusiness, events, rental.
Cons
- Business cover stops at public liability and property, so a company after cyber or professional indemnity lines has to look elsewhere.
- Pricing is monthly only, per monthly, so there is no annual route that could bring the cost down.
- Phone insurance is limited to adult policy holders, so a younger person cannot take that policy out in their own name.
- bunq carries a starting premium of €0, so a reader after a free entry point will not find it here, where the starting premium is BRL 19.90.
Who it suits
- Households that want auto, home and life from a single Brazilian insurer, and do not need the renters policies Good Sam Insurance Agency lists in auto, home and renters.
- Motorcycle riders and gadget owners: both sit inside auto, home and life, while the list at Good Sam Insurance Agency (auto, home and renters) runs to motorcycle without gadget cover.
- Small companies in transport, agribusiness, events, rental that need public liability and property, lines that sit outside the personal list at Good Sam Insurance Agency (auto, home and renters).
Who should look elsewhere
- Renters, because that cover sits with Good Sam Insurance Agency in auto, home and renters rather than in auto, home and life.
- Readers chasing a free starting premium, since bunq's is €0.
- Businesses after cyber or professional indemnity cover, since public liability and property reaches public liability and property only. A second quote is worth taking, for example from EuroAsia Insurance, whose starting premium is UZS 60,000.
Cover and limits
Porto Seguro sells auto, home and life, a personal spread that reaches from motor and property cover through to gadget insurance, so a household can hold its policies with a single provider. Renters cover sits outside that list. An age condition applies to phone insurance, where the policy holder has to be an adult, and that sets the eligibility floor for the product.
Price signals
The listed starting premium is BRL 19.90, quoted on a monthly pricing model. Monthly payments are available on the policies, so a household spreads the cost across the year rather than settling it as a lump sum. The listed model is monthly with no annual counterpart, which keeps the outflow predictable for readers who check spending each month.
Who regulates the provider
Porto Seguro is an insurer, so the policy sits with the company that carries the risk rather than with an intermediary that places cover elsewhere. In Brazil the supervisor named for it is the Superintendencia de Seguros Privados (Susep). That structure matters for readers weighing the safety of their money, since premiums go to the risk carrier itself and the contract is with the firm that would pay the claim.
How your money is protected
Because Porto Seguro is an insurer, the premium is held by the company that carries the risk and settles the claim, not by a broker or a comparison site passing it on. For readers who track where money rests between paying and claiming, the funds stay with the firm named on the policy. Terms come from that same firm, with monthly payments available on the policies.
The company behind it
Policies are issued by Porto Seguro Cia. de Seguros Gerais, a company based in Brazil and trading since 1945. Support runs on phone, chat and help centre, so a policy question or a renewal can be handled by phone, chat, a help centre or email. The length of the trading record is the main reassurance on offer, and the support mix means a customer is not pushed into a single channel.
How Porto Seguro compares
9.5 vs 9.4
9.5 vs 9.4
9.5 vs 9.4
9.5 vs 9.4
9.5 vs 8.8
9.5 vs 8.7
9.5 vs 9.0
9.5 vs 9.4
9.5 vs 9.3
9.5 vs 8.9
9.5 vs 8.9
9.5 vs 8.9
9.5 vs 9.3
9.5 vs 8.6- 9.5 vs 9.3
9.5 vs 9.3Max Life Insurance
9.5 vs 9.3
9.5 vs 9.3
9.5 vs 9.3
9.5 vs 9.2
9.5 vs 9.2
9.5 vs 9.2
9.5 vs 9.2
9.5 vs 9.2
9.5 vs 9.2
9.5 vs 9.1
9.5 vs 9.1
9.5 vs 8.9
9.5 vs 8.9
9.5 vs 8.8
9.5 vs 8.8
9.5 vs 8.6- 9.5 vs 8.4
- 9.5 vs 8.2
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Where Porto Seguro is available
- Available
- Brazil
- Licence in Brazil
- Superintendencia de Seguros Privados (Susep), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does Porto Seguro cost to start?+
Porto Seguro lists a starting premium of BRL 19.90, and monthly payments are available so the cost is spread across the year rather than paid as a lump sum. The listed pricing model is monthly, so budgeting follows a regular cycle. That figure sits at the entry point of the range rather than covering every level of cover.
Is Porto Seguro an insurer or a broker?+
It is an insurer, and the legal entity behind the policies is Porto Seguro Cia. de Seguros Gerais. That distinction matters for readers weighing where money rests, because an insurer holds the premium and carries the risk itself rather than handing it to another provider. Policies are written with the same company that would pay the claim.
Who regulates Porto Seguro?+
Porto Seguro trades in Brazil, where the supervisor named for it is the Superintendencia de Seguros Privados (Susep). Because it is an insurer rather than a broker, the supervisor oversees a company holding both the premium and the risk on its own account. The entity behind the policies is Porto Seguro Cia. de Seguros Gerais.
How do I make a claim?+
Claims can be opened through mobile app, whatsapp and phone. Having app, messaging, phone and email routes means a claim does not have to wait for office hours, and a policyholder can pick whichever route suits the moment. General support questions run on phone, chat and help centre, which is a separate mix of channels.
What kinds of insurance can I buy?+
The listed range covers auto, home and life, a wide personal spread for a single provider that includes motorcycle and gadget cover alongside the common lines. Renters policies are not in that list, and tenants may find them at Good Sam Insurance Agency, whose range includes renters in auto, home and renters.
Can I pay monthly instead of yearly?+
Monthly payments are available, and the listed pricing model in monthly is monthly. There is no annual route in that listing, so a household plans around a regular monthly outflow rather than a yearly settlement. That shape suits readers who check their spending month by month.
Which company issues the policies?+
The policies are issued by Porto Seguro Cia. de Seguros Gerais, based in Brazil and trading since 1945. Readers weighing longevity can put that trading record against newer providers, and the support mix behind the policies is phone, chat and help centre, so help is available through more than a single route.
Who is Porto Seguro aimed at?+
It suits Brazilian households that want auto, home and life from a single insurer, and small companies working in transport, agribusiness, events, rental that need public liability and property. Readers who mainly want a free starting premium should look at bunq instead, where the entry premium is €0.
Sources
- en.wikipedia.org/wiki/Porto_Seguro_S.A. checked September 26, 2026
Backs: Founded
“Founded | 1945”
- gov.br/susep/pt-br checked September 26, 2026
Backs: Licences
- portoseguro.com.br checked September 26, 2026
Backs: Insurance types, Support channels
“Seguro Auto, Seguro Residencial, Seguro de Vida, Porto Seguro Saude, Seguro Viagem, Petlove (plano-saude-pets), Seguro Moto and Seguro Celular”
- portoseguro.com.br/celular checked September 26, 2026
Backs: Age range
- portoseguro.com.br/en/for-companies checked September 26, 2026
Backs: Cover types, Industries
“Insurance for Events ... civil liability ... Insurance for your Businesses (Managerial, Transportation, Health and Dental, Agribusiness)”
- portoseguro.com.br/plano-saude-pets checked September 26, 2026
Backs: Headquarters, Pricing model, Monthly payments, Premium from
“Leve - R$19,90/mês (plano de saude para pets Petlove, cheapest plan listed on the plans page)”
- portoseguro.com.br/seguro-auto checked September 26, 2026
Backs: Provider type, Claims channels, Legal entity
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Porto Seguro
Households and small companies wanting a single Brazilian insurer for personal lines and monthly payments.