モノのインターネット（IoT）保険の世界市場

モノのインターネット（IoT）保険の世界市場は2030年までに3,907億米ドルに達する見込み

2023年に448億米ドルと推定されるモノのインターネット（IoT）保険の世界市場は、分析期間2023-2030年に36.3%のCAGRで成長し、2030年には3,907億米ドルに達すると予測されます。本レポートで分析したセグメントの1つである自動車・運輸アプリケーションは、CAGR 38.1%を記録し、分析期間終了時には1,532億米ドルに達すると予測されます。ライフ＆ヘルスアプリケーション分野の成長率は、分析期間のCAGRで40.1％と推定されます。

米国市場は推定135億米ドル、中国はCAGR34.5％で成長予測

米国のモノのインターネット（IoT）保険市場は2023年に135億米ドルと推定されます。世界第2位の経済大国である中国は、2030年までに635億米ドルの市場規模に達すると予測され、分析期間2023-2030年のCAGRは34.5%です。その他の注目すべき地域別市場としては、日本とカナダがあり、分析期間中のCAGRはそれぞれ33.0%と30.9%と予測されています。欧州では、ドイツがCAGR 24.8%で成長すると予測されています。

世界のモノのインターネット（IoT）保険市場- 主要動向と促進要因まとめ

モノのインターネット（IoT）は保険業界をどのように変革しているか？

モノのインターネット（IoT）は、より正確なリスク評価を可能にし、顧客エンゲージメントを向上させ、クレーム処理を合理化することで、保険業界を変革しています。コネクテッド・カー、ウェアラブル・ヘルス・モニター、スマート・ホーム・システムなどのIoT機器は、保険契約者の行動や環境に関するリアルタイムのデータを保険会社に提供し、よりパーソナライズされたダイナミックなリスク・プライシングを可能にしています。例えば、自動車に搭載されたテレマティクス・デバイスは運転行動を追跡し、保険会社が安全運転に報いる利用ベースの保険（UBI）を提供するのに役立っています。医療保険では、ウェアラブルが身体活動やバイタルサインをモニターし、保険会社がウェルネス・インセンティブや予防医療プランを提供できるようにしています。IoTソリューションは、リアルタイムでのデータ収集と分析を通じて、保険金請求処理の自動化、不正行為の検出、顧客サービスの向上にも利用されています。

技術の進歩は保険におけるIoTをどのように形成しているか？

IoTセンサー、AI、データ分析の技術的進歩が、保険分野におけるIoTの導入を促進しています。自動車、家庭、ウェアラブル機器に組み込まれたIoTセンサーは、精度とエネルギー効率が向上し、保険契約者の行動や環境状況に関する継続的なデータ収集が可能になっています。AIを活用した分析プラットフォームがIoTシステムと統合され、膨大なデータを分析することで、リスク評価の改善、不正行為の防止、個別化された保険の提供に役立つ予測的洞察を保険会社に提供しています。また、ブロックチェーン技術も重要なイノベーションとして台頭しており、保険会社と保険契約者の間で安全かつ透明性の高いデータ共有を実現し、信頼性を高め、不正リスクを低減しています。このような進歩により、保険サービスの向上と運営コストの削減を目指す保険会社にとって、IoTソリューションがより身近で効果的なものとなりつつあります。

市場セグメンテーションは保険におけるIoTの成長をどのように定義するか？

アプリケーションには、自動車保険、医療保険、損害保険、生命保険などがあり、自動車保険はテレマティクスと利用ベースの保険契約の普及により市場をリードしています。コンポーネントには、センサーやコネクテッド・デバイスなどのハードウェア、データ管理や分析のためのソフトウェア・プラットフォーム、システム統合やサポートなどのサービスが含まれます。地理的には、北米と欧州がテレマティクスとIoT対応保険ソリューションの早期導入に牽引され、市場を独占しています。一方、アジア太平洋地域の保険会社はデジタルトランスフォーメーションとコネクテッドテクノロジーを採用しており、大きな成長が見込まれています。

IoT保険市場の成長を促す要因とは？

IoT保険市場の成長は、パーソナライズされた保険契約に対する需要の高まり、コネクテッドデバイスの進歩、より正確なリスク評価の必要性など、いくつかの要因によってもたらされます。消費者がより柔軟でカスタマイズされた保険オプションを求める中、保険会社はIoTソリューションを採用し、個人の行動や嗜好に沿った利用ベースの保険を提供しています。また、テレマティクス、ウェアラブル、AI主導のアナリティクスといった技術革新も、保険会社が保険契約者の行動に関するデータをリアルタイムで収集・分析し、リスク評価を向上させ、不正行為を防止することを可能にすることで、成長を後押ししています。さらに、デジタルトランスフォーメーションへの注目が高まり、保険金請求処理と顧客サービスを合理化する必要性が高まっていることも、IoT対応保険ソリューションへの投資を促進しています。

調査対象企業の例（注目の37社）

• Accenture
• Capgemini
• Cognizant
• Hippo Insurance
• IBM Corporation
• Lemonade Inc
• LexisNexis
• Oracle Corporation
• SAP SE
• Zonoff Inc

目次

第1章 調査手法

第2章 エグゼクティブサマリー

• 市場概要
• 主要企業
• 市場動向と促進要因
• 世界市場の見通し

第3章 市場分析

• 米国
• カナダ
• 日本
• 中国
• 欧州
• フランス
• ドイツ
• イタリア
• 英国
• その他欧州
• アジア太平洋
• その他の地域

第4章 競合

Global Internet of Things (IoT) Insurance Market to Reach US$390.7 Billion by 2030

The global market for Internet of Things (IoT) Insurance estimated at US$44.8 Billion in the year 2023, is expected to reach US$390.7 Billion by 2030, growing at a CAGR of 36.3% over the analysis period 2023-2030. Automotive & Transportation Application, one of the segments analyzed in the report, is expected to record a 38.1% CAGR and reach US$153.2 Billion by the end of the analysis period. Growth in the Life & Health Application segment is estimated at 40.1% CAGR over the analysis period.

The U.S. Market is Estimated at US$13.5 Billion While China is Forecast to Grow at 34.5% CAGR

The Internet of Things (IoT) Insurance market in the U.S. is estimated at US$13.5 Billion in the year 2023. China, the world's second largest economy, is forecast to reach a projected market size of US$63.5 Billion by the year 2030 trailing a CAGR of 34.5% over the analysis period 2023-2030. Among the other noteworthy geographic markets are Japan and Canada, each forecast to grow at a CAGR of 33.0% and 30.9% respectively over the analysis period. Within Europe, Germany is forecast to grow at approximately 24.8% CAGR.

Global Internet of Things (IoT) Insurance Market - Key Trends and Drivers Summarized

How Is the Internet of Things (IoT) Reshaping the Insurance Industry?

The Internet of Things (IoT) is transforming the insurance industry by enabling more accurate risk assessments, improving customer engagement, and streamlining claims processing. IoT devices such as connected vehicles, wearable health monitors, and smart home systems provide insurers with real-time data on policyholders' behaviors and environments, allowing for more personalized and dynamic risk pricing. For example, telematics devices in vehicles track driving behavior, helping insurers offer usage-based insurance (UBI) policies that reward safe driving. In health insurance, wearables monitor physical activity and vital signs, enabling insurers to offer wellness incentives and preventative care plans. IoT solutions are also being used to automate claims processing, detect fraud, and improve customer service through real-time data collection and analysis.

How Are Technological Advancements Shaping IoT in Insurance?

Technological advancements in IoT sensors, AI, and data analytics are driving the adoption of IoT in the insurance sector. IoT sensors embedded in vehicles, homes, and wearable devices are becoming more accurate and energy-efficient, enabling continuous data collection on policyholder behavior and environmental conditions. AI-powered analytics platforms are being integrated with IoT systems to analyze vast amounts of data, providing insurers with predictive insights that help improve risk assessments, prevent fraud, and offer personalized policies. Blockchain technology is also emerging as a key innovation, offering secure, transparent data sharing between insurers and policyholders, enhancing trust and reducing fraud risks. These advancements are making IoT solutions more accessible and effective for insurers looking to improve their offerings and reduce operational costs.

How Do Market Segments Define the Growth of IoT in Insurance?

Applications include automotive insurance, health insurance, property insurance, and life insurance, with automotive insurance leading the market due to the widespread adoption of telematics and usage-based insurance policies. Components include hardware such as sensors and connected devices, software platforms for data management and analytics, and services such as system integration and support. Geographically, North America and Europe dominate the market, driven by early adoption of telematics and IoT-enabled insurance solutions, while Asia-Pacific is expected to see significant growth as insurers in the region embrace digital transformation and connected technologies.

What Factors Are Driving the Growth in the IoT Insurance Market?

The growth in the IoT insurance market is driven by several factors, including the increasing demand for personalized insurance policies, advancements in connected devices, and the need for more accurate risk assessment. As consumers seek more flexible and customized insurance options, insurers are adopting IoT solutions to offer usage-based policies that align with individual behaviors and preferences. Technological innovations in telematics, wearables, and AI-driven analytics are also fueling growth by enabling insurers to collect and analyze real-time data on policyholder behavior, improving risk assessments and preventing fraud. Additionally, the rising focus on digital transformation and the need to streamline claims processing and customer service are driving investments in IoT-enabled insurance solutions.

Select Competitors (Total 37 Featured) -

• Accenture
• Capgemini
• Cognizant
• Hippo Insurance
• IBM Corporation
• Lemonade Inc
• LexisNexis
• Oracle Corporation
• SAP SE
• Zonoff Inc

TABLE OF CONTENTS

I. METHODOLOGY

II. EXECUTIVE SUMMARY

• 1. MARKET OVERVIEW
  • Influencer Market Insights
  • World Market Trajectories
  • Global Economic Update
  • Internet of Things (IoT) Insurance - Global Key Competitors Percentage Market Share in 2024 (E)
  • Competitive Market Presence - Strong/Active/Niche/Trivial for Players Worldwide in 2024 (E)
• 2. FOCUS ON SELECT PLAYERS
• 3. MARKET TRENDS & DRIVERS
  • Rising Demand for Usage-Based Insurance (UBI) Models Drives IoT Adoption in Insurance
  • Technological Advancements in IoT-Enabled Telematics and Connected Vehicles Strengthen Market Growth
  • Growing Use of IoT in Fraud Detection and Prevention Expands Addressable Market for Insurance
  • Focus on Real-Time Data Collection and Risk Assessment Fuels IoT Adoption in Insurance
  • Rising Demand for Health and Wellness Monitoring Through IoT Wearables Expands Insurance Market Opportunities
  • Technological Innovations in Smart Home Devices for Insurance Risk Management Propel IoT Growth
  • Expansion of IoT in Commercial Insurance for Property and Asset Tracking Drives Adoption
  • Growing Focus on Personalized Insurance Solutions Through IoT Data and Analytics Fuels Market Growth
  • Increasing Use of IoT for Predictive Analytics and Risk Mitigation in Insurance Expands Opportunities
  • Focus on Enhancing Customer Experience and Loyalty Through IoT-Driven Insurance Models Drives Growth
  • Rising Adoption of IoT in Vehicle Insurance for Real-Time Monitoring and Claims Processing Fuels Market Growth
  • Technological Advancements in AI and Machine Learning for IoT-Powered Insurance Solutions Propel Innovation
• 4. GLOBAL MARKET PERSPECTIVE
  • TABLE 1: World Internet of Things (IoT) Insurance Market Analysis of Annual Sales in US$ Million for Years 2014 through 2030
  • TABLE 2: World Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
  • TABLE 3: World 7-Year Perspective for Internet of Things (IoT) Insurance by Geographic Region - Percentage Breakdown of Value Revenues for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets for Years 2024 & 2030
  • TABLE 4: World Recent Past, Current & Future Analysis for Automotive & Transportation by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
  • TABLE 5: World 7-Year Perspective for Automotive & Transportation by Geographic Region - Percentage Breakdown of Value Revenues for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2024 & 2030
  • TABLE 6: World Recent Past, Current & Future Analysis for Life & Health by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
  • TABLE 7: World 7-Year Perspective for Life & Health by Geographic Region - Percentage Breakdown of Value Revenues for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2024 & 2030
  • TABLE 8: World Recent Past, Current & Future Analysis for Home & Commercial Buildings by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
  • TABLE 9: World 7-Year Perspective for Home & Commercial Buildings by Geographic Region - Percentage Breakdown of Value Revenues for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2024 & 2030
  • TABLE 10: World Recent Past, Current & Future Analysis for Business & Enterprise by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
  • TABLE 11: World 7-Year Perspective for Business & Enterprise by Geographic Region - Percentage Breakdown of Value Revenues for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2024 & 2030
  • TABLE 12: World Recent Past, Current & Future Analysis for Other Applications by Geographic Region - USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
  • TABLE 13: World 7-Year Perspective for Other Applications by Geographic Region - Percentage Breakdown of Value Revenues for USA, Canada, Japan, China, Europe, Asia-Pacific and Rest of World for Years 2024 & 2030

III. MARKET ANALYSIS

• UNITED STATES
  • Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in the United States for 2024 (E)
  • TABLE 14: USA Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
  • TABLE 15: USA 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
• CANADA
  • TABLE 16: Canada Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
  • TABLE 17: Canada 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
• JAPAN
  • Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Japan for 2024 (E)
  • TABLE 18: Japan Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
  • TABLE 19: Japan 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
• CHINA
  • Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in China for 2024 (E)
  • TABLE 20: China Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
  • TABLE 21: China 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
• EUROPE
  • Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Europe for 2024 (E)
  • TABLE 22: Europe Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Geographic Region - France, Germany, Italy, UK and Rest of Europe Markets - Independent Analysis of Annual Revenues in US$ Million for Years 2023 through 2030 and % CAGR
  • TABLE 23: Europe 7-Year Perspective for Internet of Things (IoT) Insurance by Geographic Region - Percentage Breakdown of Value Revenues for France, Germany, Italy, UK and Rest of Europe Markets for Years 2024 & 2030
  • TABLE 24: Europe Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
  • TABLE 25: Europe 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
• FRANCE
  • Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in France for 2024 (E)
  • TABLE 26: France Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
  • TABLE 27: France 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
• GERMANY
  • Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Germany for 2024 (E)
  • TABLE 28: Germany Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
  • TABLE 29: Germany 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
• ITALY
  • TABLE 30: Italy Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
  • TABLE 31: Italy 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
• UNITED KINGDOM
  • Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in the United Kingdom for 2024 (E)
  • TABLE 32: UK Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
  • TABLE 33: UK 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
• REST OF EUROPE
  • TABLE 34: Rest of Europe Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
  • TABLE 35: Rest of Europe 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
• ASIA-PACIFIC
  • Internet of Things (IoT) Insurance Market Presence - Strong/Active/Niche/Trivial - Key Competitors in Asia-Pacific for 2024 (E)
  • TABLE 36: Asia-Pacific Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
  • TABLE 37: Asia-Pacific 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030
• REST OF WORLD
  • TABLE 38: Rest of World Recent Past, Current & Future Analysis for Internet of Things (IoT) Insurance by Application - Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications - Independent Analysis of Annual Revenues in US$ Million for the Years 2023 through 2030 and % CAGR
  • TABLE 39: Rest of World 7-Year Perspective for Internet of Things (IoT) Insurance by Application - Percentage Breakdown of Value Revenues for Automotive & Transportation, Life & Health, Home & Commercial Buildings, Business & Enterprise and Other Applications for the Years 2024 & 2030

IV. COMPETITION