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利用ベース保険（UBI）の世界市場：タイプ別、技術別、車両タイプ別、エンドユーザー別、地域別、機会、予測、2018年～2032年

Global Usage-Based Insurance (UBI) Market Assessment, By Type, By Technology, By Vehicle Type, By End-user, By Region, Opportunities and Forecast, 2018-2032F

出版日
ページ情報
英文 215 Pages
納期
3～5営業日
カスタマイズ可能
価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=145.92円
利用ベース保険（UBI）の世界市場：タイプ別、技術別、車両タイプ別、エンドユーザー別、地域別、機会、予測、2018年～2032年
出版日: 2025年06月17日
発行: Market Xcel - Markets and Data
ページ情報: 英文 215 Pages
納期: 3～5営業日
GIIご利用のメリット
  • 全表示
  • 概要
  • 図表
  • 目次
概要

世界の利用ベースの保険（UBI）市場は、デジタル技術、コネクテッドモビリティ、消費者の期待の変化などが交差し、2025～2032年の予測期間中にCAGR 10.12％を記録し、2024年の448億7,000万米ドルから2032年には970億3,000万米ドルに成長すると予測されます。PAYD（Pay-as-you-drive）、PHYD（Pay-How-you-drive）、MHYD（Manage-How-you-drive）などのUBI提案は、行動ベースの保険料率を提供することにより、従来の保険ビジネスを変革しつつあります。この変化は、テレマティクスの高い普及率、車両接続性の向上、標準化された人口統計的特性ではなく独自の運転プロファイルに合わせた差別化された保険商品への要望によって促進されています。市場促進要因のひとつは、スマートフォンとコネクテッドカーが世界的に普及し、ドライバーの行動や車両の利用状況をリアルタイムで追跡できるようになったことです。さらに、若年ドライバー、ギグエコノミーの専門家、走行距離の少ないドライバーの間で、安価で透明性の高い保険商品に対する需要が高まっていることも、UBIの普及を後押ししています。より安全な運転習慣やデータ共有に対する規制上のインセンティブや、自動車使用量の減少に結びついた持続可能性目標も、市場の成長を後押ししています。

とはいえ、市場にはさまざまな抑制要因があります。データプライバシーの懸念、サイバーセキュリティの脅威、常時監視下に置かれることへの消費者のためらいは、普及拡大にとって依然として大きな問題です。特に価格に敏感な市場では、テレマティクスインフラの費用がかさみ、地域レベルでの標準化が進んでいないことが、拡張性の妨げになる可能性があります。さらに、保険会社がどのようにデータを収集、保存、利用するかに対する消費者の信頼は、依然として大きな課題です。

その他の促進要因としては、保険流通チャネルのデジタル化の加速、テレマティクスを組み込んだ自動車メーカーと保険会社の提携、アプリベースの軽快なUBI商品を提供する保険テクノロジー企業の出現などが挙げられます。市場の成熟度は地域によっても大きく異なり、北米と西欧は普及の最前線にあるが、アジア太平洋やラテンアメリカなどの地域は、デジタルインフラの成長と保険普及率の向上により、予測期間中に成長が加速するとみられます。まとめると、UBI市場は、技術革新、モビリティ行動の進化、顧客中心の保険アプローチへの世界のパラダイムの変化による支援を受けて、長期的な成長が見込まれます。しかし、長期的な成長は、データガバナンスの問題を管理し、透明性と価値に基づくエンゲージメントを通じて顧客の信頼を構築することが条件となります。

例えばインドでは、Automotive Industry Standard-140が、交通安全と車両管理を向上させるため、すべての公共交通車両に車両位置追跡装置（VLTD）と緊急通報ボタンの装備を義務付けています。このイニシアチブはテレマティクスソリューションの採用を促進し、インドにおける輸送の全体的な安全性と効率性の向上に寄与しています。

目次

第1章 プロジェクトの範囲と定義

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声

  • 回答者の人口統計
  • UBIコンセプト（PAYD、PHYD）の認知度
  • 採用に影響を与える要因（保険料の節約、透明性、カスタマイズ）
  • 推奨される保険の種類と補償モデル

第5章 世界の利用ベース保険（UBI）市場の展望、2018年～2032年

  • 市場規模分析と予測
    • 金額別
  • 市場シェア分析と予測
    • タイプ別
      • PAYD
      • PHYD
      • MHYD
    • 技術別
      • OBD-IIベース
      • スマートフォンベース
      • 組込みテレマティクス
      • ブラックボックス
    • 車両タイプ別
      • 乗用車
      • 商用車
    • エンドユーザー別
      • 個人
      • フリートオーナー
    • 地域別
      • 北米
      • 欧州
      • アジア太平洋
      • 南米
      • 中東・アフリカ
  • 2024年の市場マップ分析
    • タイプ別
    • 技術別
    • 車両タイプ別
    • エンドユーザー別
    • 地域別

第6章 北米の利用ベース保険（UBI）市場の展望、2018年～2032年

  • 市場規模分析と予測
    • 金額別
  • 市場シェア分析と予測
    • タイプ別
      • PAYD
      • PHYD
      • MHYD
    • 技術別
      • OBD-IIベース
      • スマートフォンベース
      • 組込みテレマティクス
      • ブラックボックス
    • 車両タイプ別
      • 乗用車
      • 商用車
    • エンドユーザー別
      • 個人
      • フリートオーナー
    • 国別シェア
      • 米国
      • カナダ
      • メキシコ
  • 国別市場評価
    • 米国の利用ベース保険（UBI）市場の展望、2018年～2032年予測
      • 市場規模分析と予測
      • 市場シェア分析と予測
    • カナダ
    • メキシコ

第7章 欧州の利用ベース保険（UBI）市場の展望、2018年～2032年

  • ドイツ
  • フランス
  • イタリア
  • 英国
  • ロシア
  • オランダ
  • スペイン
  • トルコ
  • ポーランド

第8章 アジア太平洋の利用ベース保険（UBI）市場の展望、2018年～2032年

  • インド
  • 中国
  • 日本
  • オーストラリア
  • ベトナム
  • 韓国
  • インドネシア
  • フィリピン

第9章 南米の利用ベース保険（UBI）市場の展望、2018年～2032年

  • ブラジル
  • アルゼンチン

第10章 中東・アフリカの利用ベース保険（UBI）市場の展望、2018年～2032年

  • サウジアラビア
  • アラブ首長国連邦
  • 南アフリカ

第11章 需要供給分析

第12章 バリューチェーン分析

第13章 ポーターのファイブフォース分析

第14章 PESTLE分析

第15章 市場力学

  • 市場促進要因
  • 市場の課題

第16章 市場動向と発展

第17章 ケーススタディ

第18章 競合情勢

  • 市場リーダー上位5社の競合マトリックス
  • 上位5社のSWOT分析
  • 上位10社の主要企業の情勢
    • Progressive Casualty Insurance Company
    • Allstate Insurance Company
    • Liberty Mutual Insurance Company
    • AXA Group
    • Allianz SE
    • Assicurazioni Generali SpA
    • The Travelers Indemnity Company
    • Octo Telematics SpA
    • UNIPOL Gruppo SpA
    • Insure the Box Ltd

第19章 戦略的提言

第20章 調査会社について・免責事項

図表

List of Tables

  • Table 1. Competition Matrix of Top 5 Market Leaders
  • Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
  • Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

  • Figure 1. Global Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 2. Global Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 3. Global Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 4. Global Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 5. Global Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 6. Global Usage-Based insurance (UBI) Market Share (%), By Region, 2018-2032F
  • Figure 7. North America Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 8. North America Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 9. North America Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 10. North America Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 11. North America Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 12. North America Usage-Based insurance (UBI) Market Share (%), By Country, 2018-2032F
  • Figure 13. United States Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 14. United States Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 15. United States Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 16. United States Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 17. United States Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 18. Canada Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 19. Canada Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 20. Canada Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 21. Canada Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 22. Canada Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 23. Mexico Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 24. Mexico Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 25. Mexico Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 26. Mexico Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 27. Mexico Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 28. Europe Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 29. Europe Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 30. Europe Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 31. Europe Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 32. Europe Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 33. Europe Usage-Based insurance (UBI) Market Share (%), By Country, 2018-2032F
  • Figure 34. Germany Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 35. Germany Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 36. Germany Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 37. Germany Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 38. Germany Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 39. France Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 40. France Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 41. France Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 42. France Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 43. France Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 44. Italy Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 45. Italy Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 46. Italy Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 47. Italy Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 48. Italy Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 49. United Kingdom Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 50. United Kingdom Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 51. United Kingdom Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 52. United Kingdom Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 53. United Kingdom Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 54. Russia Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 55. Russia Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 56. Russia Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 57. Russia Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 58. Russia Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 59. Netherlands Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 60. Netherlands Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 61. Netherlands Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 62. Netherlands Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 63. Netherlands Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 64. Spain Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 65. Spain Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 66. Spain Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 67. Spain Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 68. Spain Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 69. Turkey Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 70. Turkey Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 71. Turkey Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 72. Turkey Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 73. Turkey Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 74. Poland Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 75. Poland Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 76. Poland Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 77. Poland Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 78. Poland Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 79. South America Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 80. South America Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 81. South America Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 82. South America Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 83. South America Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 84. South America Usage-Based insurance (UBI) Market Share (%), By Country, 2018-2032F
  • Figure 85. Brazil Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 86. Brazil Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 87. Brazil Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 88. Brazil Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 89. Brazil Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 90. Argentina Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 91. Argentina Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 92. Argentina Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 93. Argentina Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 94. Argentina Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 95. Asia-Pacific Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 96. Asia-Pacific Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 97. Asia-Pacific Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 98. Asia-Pacific Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 99. Asia-Pacific Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 100. Asia-Pacific Usage-Based insurance (UBI) Market Share (%), By Country, 2018-2032F
  • Figure 101. India Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 102. India Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 103. India Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 104. India Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 105. India Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 106. China Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 107. China Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 108. China Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 109. China Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 110. China Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 111. Japan Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 112. Japan Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 113. Japan Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 114. Japan Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 115. Japan Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 116. Australia Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 117. Australia Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 118. Australia Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 119. Australia Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 120. Australia Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 121. Vietnam Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 122. Vietnam Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 123. Vietnam Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 124. Vietnam Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 125. Vietnam Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 126. South Korea Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 127. South Korea Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 128. South Korea Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 129. South Korea Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 130. South Korea Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 131. Indonesia Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 132. Indonesia Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 133. Indonesia Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 134. Indonesia Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 135. Indonesia Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 136. Philippines Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 137. Philippines Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 138. Philippines Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 139. Philippines Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 140. Philippines Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 141. Middle East & Africa Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 142. Middle East & Africa Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 143. Middle East & Africa Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 144. Middle East & Africa Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 145. Middle East & Africa Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 146. Middle East & Africa Usage-Based insurance (UBI) Market Share (%), By Country, 2018-2032F
  • Figure 147. Saudi Arabia Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 148. Saudi Arabia Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 149. Saudi Arabia Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 150. Saudi Arabia Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 151. Saudi Arabia Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 152. UAE Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 153. UAE Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 154. UAE Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 155. UAE Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 156. UAE Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 157. South Africa Usage-Based insurance (UBI) Market, By Value, In USD Billion, 2018-2032F
  • Figure 158. South Africa Usage-Based insurance (UBI) Market Share (%), By Type, 2018-2032F
  • Figure 159. South Africa Usage-Based insurance (UBI) Market Share (%), By Technology, 2018-2032F
  • Figure 160. South Africa Usage-Based insurance (UBI) Market Share (%), By Vehicle Type, 2018-2032F
  • Figure 161. South Africa Usage-Based insurance (UBI) Market Share (%), By End-User, 2018-2032F
  • Figure 162. By Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 163. By Technology Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 164. By Vehicle Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 165. By End-User Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 166. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2024
目次
Product Code: MX13368

Global usage-based insurance (UBI) market is projected to witness a CAGR of 10.12% during the forecast period 2025-2032, growing from USD 44.87 billion in 2024 to USD 97.03 billion in 2032F, owing to the intersection of digital technologies, connected mobility, and changing consumer expectations. UBI propositions such as pay-as-you-drive (PAYD), pay-how-you-drive (PHYD), and manage-how-you-drive (MHYD) are transforming the legacy insurance business by providing behavior-based premium rates. This change has been facilitated by high telematics penetration, rising vehicle connectivity, and the desire for differentiated insurance products that are tailored to unique driving profiles instead of standardized demographic traits. One of the major drivers of the market is the global penetration of smartphones and connected cars, which allow for real-time tracking of the behavior of drivers and the use of vehicles. Further, increasing demand for inexpensive and transparent insurance products among younger drivers, gig economy professionals, and low-mileage motorists is driving the uptake of UBI. Regulatory incentives for safer driving habits and sharing data, as well as sustainability targets tied to lower usage of automobiles, also drive the market's growth.

Nonetheless, the market is subject to various restraints. Data privacy concerns, cybersecurity threats, and consumer hesitance to remain under constant surveillance are still major issues to expand adoption. The expense of telematics infrastructure, particularly in price-sensitive markets, and the absence of standardization at regional levels can hamper scalability. Additionally, consumer confidence in how insurers gather, store, and use data is still a big challenge.

Other drivers are the accelerated digitization of insurance distribution channels, collaborations between auto manufacturers and insurers for embedded telematics, and the appearance of insurance-tech companies providing nimble, app-based UBI products. Market maturity also differs widely by geography, where North America and Western Europe are at the forefront of adoption, geographies such as Asia-Pacific and Latin America are likely to see accelerated growth in the forecast period on account of growing digital infrastructure and improvement in insurance penetration. In sum, the UBI market is set for long-term growth with support coming from technological innovation, evolving mobility behaviors, and shifting global paradigms toward customer-centric insurance approaches. Long-term growth will, however, be contingent upon managing data governance issues and building customer trust through transparency and value-based engagement.

For example, in India, the Automotive Industry Standard-140 mandates that all public transport vehicles be equipped with Vehicle Location Tracking Devices (VLTD) and emergency request buttons to improve road safety and fleet management. This initiative promotes the adoption of telematics solutions, enhancing the overall safety and efficiency of transportation in India.

Technological Advancements in Telematics and Data Analytics Drive the Global Market Demand

The foundation of the UBI market lies in the ability to track and analyze driver behavior in real-time. Telematics systems, which use GPS and onboard diagnostics, allow insurers to monitor how, when, and where a vehicle is driven. Combined with AI and machine learning algorithms, this data enables insurers to customize premiums based on driving style, road conditions, and distance traveled. These insights not only lead to more accurate risk assessment but also empower policyholders with data-driven feedback to improve driving behavior. Insurers can now detect distracted driving, frequent lane changes, and even patterns that correlate with future accident likelihood.

For Instance, in November 2024, Progressive Corporation, one of the largest auto insurers in the U.S., announced the rollout of its latest safety innovation, "Accident Response," designed to give customers greater peace of mind on the road. The new feature, available within the Progressive app, connects drivers to emergency or tow services in the event of a serious accident. Accident Response leverages phone sensors to detect when a significant collision may have occurred. If an accident is detected, Progressive immediately contacts the driver to determine if assistance is needed. Customers can then request emergency help or a tow truck directly through the app or by speaking with a live agent. In cases where the driver does not respond and the crash appears severe, Progressive app proactively dispatches emergency services to the scene.

Increasing Consumer Demand for Personalized and Cost-Effective Insurance Solutions

In today's era of hyper-personalization, consumers expect financial services, including insurance, to reflect their behaviors, lifestyles, and preferences. Traditional flat-rate premiums are being replaced by tailored policies that reward good driving behavior with lower costs. UBI products such as pay-as-you-drive (PAYD) and pay-how-you-drive (PHYD) appeal to consumers by promising fairness and control over premium payments. The appeal is particularly strong among younger drivers, urban users with shorter commutes, and tech-savvy consumers comfortable sharing data for potential savings. These models also incentivize safer driving habits, leading to fewer claims for insurers and more sustainable long-term customer relationships.

For instance, in 2024, Allstate reported a comprehensive review of its Drivewise telematics program. The insurer shared that users of Drivewise had a 25% lower chance of getting into a serious accident. Moreover, these users displayed 44% less phone usage while driving, 23% less speeding, and 11% fewer instances of hard braking. Allstate attributes this improvement in road safety and customer retention to personalized feedback and reward programs integrated into their UBI app.

With rising vehicle and fuel costs, coupled with inflationary pressures globally, cost-saving incentives in UBI are increasingly attractive. Furthermore, consumers are willing to trade privacy for financial incentives, creating a growing addressable market for insurers adopting these models.

Segment-Specific Growth in Pay-As-You-Drive (PAYD) Insurance

Among various UBI models, pay-as-you-drive (PAYD) insurance has seen the fastest growth, particularly among low-mileage drivers, gig economy workers, and urban commuters. PAYD calculates premiums based on miles driven, allowing drivers to pay only for what they use. This model is particularly appealing in a post-pandemic world where hybrid work has become the norm and vehicle usage has declined. PAYD not only enables transparent and fair pricing but also aligns with environmental goals by encouraging reduced vehicle use, which supports sustainability mandates.

For instance, in 2023, Octo Telematics launched Digital Driver - Try Before You Buy, a new smartphone-based PAYD solution for insurers. This offer allows prospective policyholders to demonstrate their driving style over a short trial period before receiving a tailored insurance quote. Octo partners with leading insurers such as UnipolSai and Generali to integrate this technology into their customer acquisition pipelines. The initiative allows insurance companies to shift from demographic-based underwriting to behavior-based models, improving accuracy and profitability.

This behavioral pricing model appeals to digitally native consumers and helps insurers lower loss ratios by onboarding only low-risk drivers. As more OEMs and insurers adopt embedded PAYD features in smart vehicles, this segment is expected to dominate the UBI landscape.

Regional Leadership of North America in UBI Adoption

North America, particularly the United States, holds the largest share of the global UBI market. This dominance is attributed to several factors such as high vehicle density, widespread use of telematics, strong consumer awareness, and favorable regulatory frameworks. The U.S. insurers have aggressively invested in digital transformation, leading to broader adoption of usage-based models.

The availability of connected vehicles and partnerships between insurers and automakers also contribute to seamless data sharing, accelerating UBI uptake.

For instance, in 2023, Liberty Mutual Insurance and Jaguar Land Rover North America, LLC (JLR) launched an exclusive partnership aimed at enhancing the car-buying and ownership experience for JLR vehicle owners in the United States. The collaboration enables customers to access auto insurance seamlessly during the vehicle purchase process. Leveraging Liberty Mutual's advanced digital capabilities and extensive experience with automotive partners, JLR drivers can now obtain online insurance quotes or consult with an insurance advisor. The partnership offers exclusive benefits, including the use of genuine original equipment manufacturer (OEM) replacement parts and direct referrals to JLR retailers for vehicle repairs. Additionally, customers have the option to have their vehicles towed to the nearest JLR retailer if necessary.

Key Players Landscape and Outlook

The international usage-based insurance (UBI) market is characterized by a strongly competitive landscape with the presence of well-established insurance titans as well as telematics solution specialists. Players compete on various key fronts such as technological R&D, accuracy in data analysis, customer outreach strategies, and scalability of their telematics solutions. The ability to provide dynamic and customized pricing models as per real-time driving behavior has emerged as a principal differentiator. In addition, easy-to-use mobile apps, frictionless onboarding, and integration with connected car platforms are critical to boost customer experience and loyalty. Market forces are influenced by growing consumer demand for affordable and equitable insurance, the convergence of connected vehicle technologies, and enabling regulatory environments favoring data-oriented models. Competitive rivalry is also intensified by collaborative relationships among insurers and automakers, as well as the advent of technology-based insurance startups. The move away from conventional underwriting towards behavior-based models, combined with increasing vehicle connectivity and telematics take-up, will reshape how insurers price risk and package policies in the years ahead.

For instance, in June 2024, AXA Group announced the signing of a Share Purchase Agreement to sell its asset management arm, AXA Investment Managers (AXA IM), to BNP Paribas Cardif. This agreement follows the completion of required consultations with employee representatives from both organizations. The transaction represents a key milestone in strengthening the long-term partnership between AXA and BNP Paribas, ensuring customers' continued access to a wide range of leading investment solutions. The sale remains subject to standard closing conditions, including regulatory approvals, and is expected to be finalized in 2025.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customers

  • 4.1. Respondent Demographics
  • 4.2. Awareness of UBI Concepts (Pay-As-You-Drive, Pay-How-You-Drive)
  • 4.3. Factors Influencing Adoption (Premium Savings, Transparency, Customization)
  • 4.4. Preferred Insurance Types and Coverage Models

5. Global Usage-Based Insurance (UBI) Market Outlook, 2018-2032F

  • 5.1. Market Size Analysis & Forecast
    • 5.1.1. By Value
  • 5.2. Market Share Analysis & Forecast
    • 5.2.1. By Type
      • 5.2.1.1. Pay-As-You-Drive (PAYD)
      • 5.2.1.2. Pay-How-You-Drive (PHYD)
      • 5.2.1.3. Manage-How-You-Drive (MHYD)
    • 5.2.2. By Technology
      • 5.2.2.1. OBD-II Based
      • 5.2.2.2. Smartphone-Based
      • 5.2.2.3. Embedded Telematics
      • 5.2.2.4. Black Box
    • 5.2.3. By Vehicle Type
      • 5.2.3.1. Passenger Vehicles
      • 5.2.3.2. Commercial Vehicles
    • 5.2.4. By End-user
      • 5.2.4.1. Individual
      • 5.2.4.2. Fleet Owner
    • 5.2.5. By Region
      • 5.2.5.1. North America
      • 5.2.5.2. Europe
      • 5.2.5.3. Asia-Pacific
      • 5.2.5.4. South America
      • 5.2.5.5. Middle East and Africa
  • 5.3. Market Map Analysis, 2024
    • 5.3.1. By Type
    • 5.3.2. By Technology
    • 5.3.3. By Vehicle Type
    • 5.3.4. By End-user
    • 5.3.5. By Region

6. North America Usage-Based Insurance (UBI) Market Outlook, 2018-2032F

  • 6.1. Market Size Analysis & Forecast
    • 6.1.1. By Value
  • 6.2. Market Share Analysis & Forecast
    • 6.2.1. By Type
      • 6.2.1.1. Pay-As-You-Drive (PAYD)
      • 6.2.1.2. Pay-How-You-Drive (PHYD)
      • 6.2.1.3. Manage-How-You-Drive (MHYD)
    • 6.2.2. By Technology
      • 6.2.2.1. OBD-II Based
      • 6.2.2.2. Smartphone-Based
      • 6.2.2.3. Embedded Telematics
      • 6.2.2.4. Black Box
    • 6.2.3. By Vehicle Type
      • 6.2.3.1. Passenger Vehicles
      • 6.2.3.2. Commercial Vehicles
    • 6.2.4. By End-user
      • 6.2.4.1. Individual
      • 6.2.4.2. Fleet Owner
    • 6.2.5. By Country Share
      • 6.2.5.1. United States
      • 6.2.5.2. Canada
      • 6.2.5.3. Mexico
  • 6.3. Country Market Assessment
    • 6.3.1. United States Usage-Based Insurance (UBI) Market Outlook, 2018-2032F*
      • 6.3.1.1. Market Size Analysis & Forecast
        • 6.3.1.1.1. By Value
      • 6.3.1.2. Market Share Analysis & Forecast
        • 6.3.1.2.1. By Type
          • 6.3.1.2.1.1. Pay-As-You-Drive (PAYD)
          • 6.3.1.2.1.2. Pay-How-You-Drive (PHYD)
          • 6.3.1.2.1.3. Manage-How-You-Drive (MHYD)
        • 6.3.1.2.2. By Technology
          • 6.3.1.2.2.1. OBD-II Based
          • 6.3.1.2.2.2. Smartphone-Based
          • 6.3.1.2.2.3. Embedded Telematics
          • 6.3.1.2.2.4. Black Box
        • 6.3.1.2.3. By Vehicle Type
          • 6.3.1.2.3.1. Passenger Vehicles
          • 6.3.1.2.3.2. Commercial Vehicles
        • 6.3.1.2.4. By End-user
          • 6.3.1.2.4.1. Individual
          • 6.3.1.2.4.2. Fleet Owner
    • 6.3.2. Canada
    • 6.3.3. Mexico

All segments will be provided for all regions and countries covered

7. Europe Usage-Based Insurance (UBI) Market Outlook, 2018-2032F

  • 7.1. Germany
  • 7.2. France
  • 7.3. Italy
  • 7.4. United Kingdom
  • 7.5. Russia
  • 7.6. Netherlands
  • 7.7. Spain
  • 7.8. Turkey
  • 7.9. Poland

8. Asia-Pacific Usage-Based Insurance (UBI) Market Outlook, 2018-2032F

  • 8.1. India
  • 8.2. China
  • 8.3. Japan
  • 8.4. Australia
  • 8.5. Vietnam
  • 8.6. South Korea
  • 8.7. Indonesia
  • 8.8. Philippines

9. South America Usage-Based Insurance (UBI) Market Outlook, 2018-2032F

  • 9.1. Brazil
  • 9.2. Argentina

10. Middle East and Africa Usage-Based Insurance (UBI) Market Outlook, 2018-2032F

  • 10.1. Saudi Arabia
  • 10.2. UAE
  • 10.3. South Africa

11. Demand Supply Analysis

12. Value Chain Analysis

13. Porter's Five Forces Analysis

14. PESTLE Analysis

15. Market Dynamics

  • 15.1. Market Drivers
  • 15.2. Market Challenges

16. Market Trends and Developments

17. Case Studies

18. Competitive Landscape

  • 18.1. Competition Matrix of Top 5 Market Leaders
  • 18.2. SWOT Analysis for Top 5 Players
  • 18.3. Key Players Landscape for Top 10 Market Players
    • 18.3.1. Progressive Casualty Insurance Company
      • 18.3.1.1. Company Details
      • 18.3.1.2. Key Management Personnel
      • 18.3.1.3. Products and Services
      • 18.3.1.4. Financials (As Reported)
      • 18.3.1.5. Key Market Focus and Geographical Presence
      • 18.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
    • 18.3.2. Allstate Insurance Company
    • 18.3.3. Liberty Mutual Insurance Company
    • 18.3.4. AXA Group
    • 18.3.5. Allianz SE
    • 18.3.6. Assicurazioni Generali S.p.A.
    • 18.3.7. The Travelers Indemnity Company
    • 18.3.8. Octo Telematics S.p.A.
    • 18.3.9. UNIPOL Gruppo S.p.A.
    • 18.3.10. Insure the Box Ltd

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

19. Strategic Recommendations

20. About Us and Disclaimer