Sale of used vehicles fires and pulls the demand for insurance; See details

The increase in zero kilometers’ vehicle prices has made semi -new and used vehicle sales in Brazil to fire. Last year, the commercialization broke record with more than 15.8 million vehicles sold. In May alone, 1.12 million used cars were sold in the country, a volume that exceeds 214,000 new vehicle plates in the same period.

All this movement has been bringing the towed towing for insurance of cars. In May 2025, the demand for policies grew 16.12% over the same month of 2024, as shown in the latest edition of the Neurotech Insurance Demand Index (INDS), which measures the volume of queries on the platforms of major Brazilian insurers. Despite the 3.12% retraction against April, the annual advance reinforces the sector’s warming trend.

“When we change car or get a new good, the natural tendency is to protect it. Increased demand for insurance reflects this behavior,” says Daniel Gusson, Neurotech’s commercial director of insurance. “Even with still high interest rates, we see a warming on vehicle sales, which directly impacts our index,” he says.

Used pull demand for policies

In 2025, new vehicle plates add up to over 929,000 units, up 6.24% compared to the same period as 2024. But it is the used market that has been pulling the pace. Last year alone, Brazil hit the record sales record, with the commercialization of almost 15.8 million vehicles, and 9% above the 2023.

Just to get an idea, for each zero car, five used are sold. Cars 13 years or older led sales, with 36% participation. Because the cost of good is high, many seek to protect it by hiring insurance for these older cars, which are often considered targeted for thieves.

According to Gusson, this dynamism positively pressures the insurance market, as insurance is the next step after purchase. But he emphasizes that the Inds, which covers the universe of the country’s leading insurers, shows the interest of the Brazilian consumer for hiring automotive insurance, not the realization.

In May, the growth trend already observed in April, when the demand for insurance rose 20% compared to April 2024, it continued. This year, the only out -of -curve point was March, considered atypical by the sector, according to the survey of Neurotech, a company specializing in artificial intelligence and big data applied to insurance, credit and other segments.

Regional growth

The high in the demand for insurance, however, did not occur homogeneously. In the annual comparison, the South led with an advance of 16.91%, closely followed by the Southeast (16.8%) and Northeast (14.3%). Already the Northern region had an increase of 12.64% and the Midwest 12.38%, completing the ranking.

In the monthly variation, however, all regions recorded retraction in May against April, especially the fall in the northeast of 6.44%, Midwest with a retraction of 6.14%, and the south with -4.54%).

But the What determines the price of insurance?

Inds measures the volume of consumer consultations to insurers, but not all result in endorsed policies. This is because the price of insurance has an important weight for hiring or not. The final quotation, however, depends on several factors such as driver risk profile (including driver history assessment), car conditions (whether commercial or private), vehicle characteristics, circulation region and chosen covers.

Still, the indicator serves as an important consumer appetite thermometer for vehicle protection, especially relevant in times of fleet renewal and greater circulation of used vehicles.

But when buying a semi -new or used, the consumer should be aware of the value of insurance, according to Fábio Braga, Megadealer’s country manager, consulting for Auto Evaluation group’s auto industry. “The older the vehicle, the more difficult is the replacement of parts, which also raises the price of insurance. In addition, those used have a higher risk of mechanical failures, which increases the chance of claims or requests for assistance. Not to mention that some insurers do not accept cars over 10 or 15 years old for complete coverage (collision, theft, etc.),” ​​he said.

Learn what influences the cost of insurance:

1) Driver Profile:

– Age: Young drivers usually face more expensive insurance due to the higher risk of accidents.

– History: accidents, fines and claims history raise the cost of insurance.

– Sex: Some insurers consider sex as a risk factor, based on statistics.

2) Use of the vehicle:

– Professional use or for daily displacement can influence the price.

3) vehicle characteristics:

– Model: Luxury cars or with expensive pieces tend to have more expensive insurance.

– Year of manufacture: newer cars, with more expensive pieces, can have more expensive insurance.

– Theft index: Vehicles with the highest theft rate can have more expensive insurance.

4) Contracted coverage:

– Types of coverage: There are various types of roofs, for theft, theft, accidents, fires etc. The higher the coverage, the higher the cost of insurance.

– Franchise: The value of the franchise also weighs on the quote. This is because a higher franchise can reduce the value of insurance, however increases the cost in case of claim.

– Location: Circulation Region: Areas with the highest incidence of theft and accidents can have more expensive insurance.

5) Other factors:

– Security devices: Cars with alarms and trackers can have cheaper insurance. Some insurers even offer services to their customers.

6) Tip:

– Search Prices: As each insurer has a policy and weights for each of the items, the overall recommendation is to compare different insurers to find the best option.