2031 年汽车保险市场报告(按细分市场、地域、动态、最新发展和战略见解)

  • Report Code : TIPRE00039055
  • Category : Banking, Financial Services, and Insurance
  • No. of Pages : 150
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Motor Insurance Market Share, Growth, and Size | 2031

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车险市场规模及趋势

车险市场规模预计将从 2023 年的 8,487.1 亿美元增长到到 2031 年将达到 16787.4 亿美元;预计 2023 年至 2031 年复合年增长率将达到 8.9%。汽车保有量增加和汽车销量增加等因素正在推动汽车保险市场的增长。

车险市场分析

由于采用远程信息处理和人工智能等先进技术,车险市场预计将出现显着增长。远程信息处理技术涉及使用设备来监控驾驶行为,预计将在个性化保险产品和风险评估中发挥至关重要的作用。人工智能和机器学习算法可以帮助保险公司实现索赔处理、欺诈检测和客户服务的自动化,从而提高效率和客户体验。保险公司越来越注重通过提供无缝数字服务和个性化产品来增强客户体验。保险科技初创公司的崛起以及传统保险公司与科技公司之间的合作正在推动该行业的创新。通过移动应用程序、在线索赔处理和 24/7 客户支持提高客户参与度预计将成为重点关注领域。

汽车保险市场概览

  • 汽车保险,也称为车辆保险或汽车保险,是一种为汽车、摩托车、卡车等机动车辆提供保障的保险单和商用车。这是许多国家的一项强制性政策,旨在保护公众免受道路上可能发生的任何事故的影响。
  • 基于使用情况的保险(UBI)越来越受欢迎,保险公司可以根据个人驾驶行为提供个性化保费。 UBI 利用远程信息处理数据来跟踪里程、速度和驾驶模式等因素,使保险公司能够为安全驾驶员提供折扣。这些汽车保险市场趋势为保险公司提供了通过提供灵活和定制的保险计划来吸引客户的机会。
  • 电动汽车(EV)的日益普及为汽车保险行业带来了新的机遇和挑战。保险公司需要考虑电池寿命、充电基础设施和维修成本等因素,为电动汽车开发专门的保险产品和风险评估模型。这种向电动汽车的转变为保险公司提供创新的保险选项和吸引具有环保意识的客户开辟了途径。

汽车保险市场驱动因素和机遇

事故数量增加推动汽车保险市场

 

  • 汽车保险市场的增长受到影响汽车保险费率确定的各种驱动因素的影响。一个重要因素是撞车、交通碰撞和事故数量不断增加。这些事件在影响保险价格方面发挥着至关重要的作用,因为它们会导致保险公司索赔和潜在的财务损失。事故增加有多种原因,其中包括驾驶时分心,例如开车时发短信或打电话,这已成为许多城市的普遍问题。
  • 此外,投保车辆的位置也会影响保险费率,在可支配收入较高的大城市地区,保费通常较高。汽车保险涵盖各个方面,包括受伤人员的费用、医疗费用、工资损失、车辆维修以及事故造成的财产损失。因此,人们越来越多地采用汽车保险来保护自己免受潜在的财务损失,从而导致市场对汽车保险的需求增加。

汽车保险市场报告细分分析

  • 根据承保范围,市场分为责任险、碰撞险、综合险等。预计到 2023 年,责任险领域将占据相当大的汽车保险市场份额。
  • 责任险是汽车保险的基本组成部分,在被保险人造成损害时为被保险人提供财务保护侵占他人财产或伤害他人。在大多数州和省,这通常是强制性要求。责任险有助于承保财产维修费用、医疗费用、法律费用以及因受保人过失的事故造成的其他相关损失。具体承保限额和详细信息可能会因保单和司法管辖区的不同而有所不同。

     

汽车保险市场区域分析

市场报告的范围主要分为五个地区 - 北美、欧洲、亚太地区、中东和非洲非洲、南美洲。北美正在经历快速增长,预计将占据重要的汽车保险市场份额。北美市场是一个重要且充满活力的行业,涵盖汽车和车辆。该市场的特点是保险提供商种类繁多,提供各种保单以满足消费者的不同需求。在北美,大多数州和省都强制要求购买汽车保险,以确保驾驶员在发生事故、财产损失或人身伤害时获得经济保护。市场竞争激烈,众多保险公司竞相通过有竞争力的定价、承保选项和额外福利来吸引客户。人口增长、城市化和汽车保有量增加等因素促进了北美市场的稳定增长。

汽车保险市场报告范围

汽车保险市场报告范围

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“车险市场分析”是根据保险范围、车辆类型、应用范围和地理位置进行的。从保险范围来看,市场分为责任险、碰撞险、综合险等。根据车辆类型,市场分为乘用车、轻型商用车和重型。根据应用,市场分为个人汽车保险和商业汽车保险。根据地理位置,市场分为北美、欧洲、亚太地区、中东和中东地区。非洲、南美洲。

 

报告属性

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2023年市场规模

8487.1亿美元

2031年市场规模< /p>

16787.4 亿美元

全球复合年增长率 ( 2023-2031)

8.9%

实际数据

2021年 – 2023年

预测期间

2024年  2031年

报告覆盖范围

市场规模和预测(美元)、市场驱动因素和趋势分析、PEST 分析、关键机会、区域和地区国家分析、竞争格局、公司概况

涵盖的细分市场

保险范围(责任保险、碰撞保险、综合保险等);车辆类型(乘用车、轻型商用车和重型商用车);申请(个人汽车保险和商业汽车保险);和地理。

覆盖地区

北美;欧洲;亚太地区;南美洲;以及中东和非洲

覆盖国家

美国;加拿大;墨西哥;英国;德国;法国、俄罗斯、意大利;中国;印度;日本;澳大利亚;韩国;巴西;阿根廷;沙特阿拉伯;阿联酋;南非

市场领导者和主要公司简介

海军上将集团有限公司;安联;好事达保险公司;政府雇员保险公司; ICICI 隆巴德;利宝互助保险;永久通用公司;进步伤亡保险公司;国营农场互助汽车保险公司;和Tokio Marine Holdings, Inc.

 

电机保险市场新闻和最新动态

公司在市场上采取并购等无机和有机策略。 汽车保险市场预测是根据各种二次和主要研究结果估算的,例如主要公司出版物、协会数据和数据库。列出了一些最近的主要市场发展如下:

 

  • 2024 年 3 月,最大的保险公司之一 State Farm 经历了巨大的损失退出加州房主市场后,2023 年将出现财务损失。尽管财产和意外伤害保险公司的保单数量有所增加,但由于索赔严重程度高以及影响汽车和房主保险行业的重大灾难事件,State Farm 仍面临承保损失。

[资料来源:State Farm,公司网站]

 

汽车保险市场报告覆盖范围和范围可交付成果

关于“汽车保险市场规模和预测(2021 年 - 2031 年)”的市场报告,提供了涵盖以下领域的市场详细分析: -

  • 市场规模和市场规模对范围内涵盖的所有关键细分市场进行全球、区域和国家层面的预测。
  • 市场动态,例如驱动因素、限制因素和关键机遇。
  • 未来主要趋势。
  • 详细的 PEST 和防治措施。 SWOT 分析
  • 全球和区域市场分析,涵盖主要市场趋势、主要参与者、法规和最新市场发展。
  • 行业格局和竞争分析,涵盖市场集中度、热图分析、主要参与者和最新发展。
  • 详细的公司简介。
Report Coverage
Report Coverage

Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends

Segment Covered
Segment Covered

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to segments covered.

Regional Scope
Regional Scope

North America, Europe, Asia Pacific, Middle East & Africa, South & Central America

Country Scope
Country Scope

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to country scope.

Frequently Asked Questions


Which are the key players holding the major market share of the motor insurance market?

The key players holding majority shares in the market are Admiral Group plc; Allianz; Allstate Insurance Company; GEICO; and ICICI Lombard.

What will be the market size for the motor insurance market by 2031?

The market is expected to reach US$ 1678.74 billion by 2031.

What is the estimated market size for the motor insurance market in 2023?

The market was estimated to be US$ 848.71 billion in 2023 and is expected to grow at a CAGR of 8.9% during the forecast period 2023 - 2031.

What are the future trends of the motor insurance market?

Integration of telematics and AI technologies is anticipated to play a significant role in the market in the coming years.

What are the driving factors impacting the motor insurance market?

The rising number of accidents and increasing motor ownership are the major factors that propel the market.

  • Admiral Group plc
  • Allianz
  • Allstate Insurance Company
  • GEICO
  • ICICI Lombard
  • Liberty Mutual Insurance
  • Permanent General Companies, Inc.
  • Progressive Casualty Insurance Company
  • State Farm Mutual Automobile Insurance Company
  • Tokio Marine Holdings, Inc.

The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.

  1. Data Collection and Secondary Research:

As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.

Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.

  1. Primary Research:

The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.

For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.

A typical research interview fulfils the following functions:

  • Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
  • Validates and strengthens in-house secondary research findings
  • Develops the analysis team’s expertise and market understanding

Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:

  • Industry participants: VPs, business development managers, market intelligence managers and national sales managers
  • Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.

Below is the breakup of our primary respondents by company, designation, and region:

Research Methodology

Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.

  1. Data Analysis:

Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.

  • Macro-Economic Factor Analysis:

We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.

  • Country Level Data:

Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.

  • Company Profile:

The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.

  • Developing Base Number:

Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.

  1. Data Triangulation and Final Review:

The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.

We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.

We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.

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