Justos

Justos is a direct-to-consumer auto insurance carrier licensed by SUSEP in Brazil, offering fully digital personal auto coverage built around telematics-based pricing. The company uses smartphone sensor data to measure driving behavior and price risk individually, enabling policyholders to earn discounts of up to 30% on monthly premiums through safe driving habits. Justos targets the large segment of Brazilian drivers who lack vehicle insurance coverage, with an estimated 70% of vehicles in the country uninsured.

Underwriting and risk assessment rely on a proprietary telematics API that collects real-time driving data via iOS and Android apps. Customers manage policies, file claims by voice message, and track roadside assistance vehicles entirely through the mobile platform. The company holds a definitive S3 license from SUSEP (Codigo 02241, Registro 15414.620093/2021-31), authorizing it to operate as a full insurance carrier.

Justos has raised USD 61.5M across four rounds since 2021, with backing from Ribbit Capital, Kaszek, SoftBank Latin America Fund, and approximately eleven additional investors. The company has accumulated over 100,000 users and earned multiple Reclame Aqui Best Insurance Company awards for customer service quality.