自動車保険の世界市場規模、シェア、成長分析：用途別、補償内容別、車両年齢別 - 産業予測（2024～2031年）

世界の自動車保険の市場規模は、2022年に7,100億米ドルとなり、2023年の7,717億7,000万米ドルから、2031年までには1兆5,042億6,000万米ドルに成長し、予測期間（2024～2031年）のCAGRは8.70%で成長する見通しです。

自動車保険は契約上のセーフガードとして機能し、事故や盗難による経済的損失から契約者を保護します。保険会社と保険契約者の間のこの法的契約では、保険会社は保険料と引き換えに、契約条件に従って発生した損失を補償することを約束します。経済的な緩衝材として機能する自動車保険は、交通事故や車両盗難による身体的被害から個人を保護し、被保険者が負傷、死亡、または他人の物的損害の責任を負う事故に関連する費用をカバーします。自動車保険法はさまざまですが、多くの地域では公道で自動車を運転する場合、対人・対物賠償責任保険への加入を義務付けています。世界の自動車保険市場の成長は、事故率の上昇、保険加入を義務付ける政府規制、消費者所得の増加による世界の自動車販売台数の増加が後押ししています。自律走行車の影響などの課題も指摘されています。このような状況にもかかわらず、予測期間にはテクノロジーの統合や新興経済国における第三者賠償責任保険への需要の高まりにより、市場拡大の機会がもたらされます。

目次

エグゼクティブサマリー

• 市場概要
• 運命の輪

調査手法

• 情報調達
• 二次・一次情報源
• 市場規模の推定
• 市場の前提条件と制限

親市場の分析

• 市場概要
• 市場規模
• 市場力学
  • 促進要因
  • 機会
  • 抑制要因
  • 課題

主な市場の考察

• 技術分析
• 価格分析
• サプライチェーン分析
• バリューチェーン分析
• 市場のエコシステム
• IP分析
• 貿易分析
• スタートアップ分析
• 原材料の分析
• イノベーションマトリクス
• パイプライン製品の分析
• マクロ経済指標
• 主な投資の分析
• 主な成功要因
• 競合の程度

市場力学と見通し

• 市場力学
  • 促進要因
  • 機会
  • 抑制要因
  • 課題
• 規制情勢
• ポーターの分析
• 将来の混乱についての特別な考察

自動車保険の世界市場：用途別

• 市場概要
• 個人用
• 商業用

自動車保険の世界市場：補償内容別

• 市場概要
• 第三者賠償責任補償
• 衝突補償・総合補償・その他オプション補償

自動車保険の世界市場：車両年齢別

• 市場概要
• 新車両
• 中古車両

自動車保険の世界市場規模：地域別

• 市場概要
• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • その他欧州地域
• アジア太平洋
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ（MEA）
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ地域

競合情勢

• 上位5社の比較
• 主要企業の市場ポジショニング（2021年）
• 主な市場企業が採用した戦略
• 主要成功戦略
• 市場における最近の活動
• 主要企業の市場シェア（2021年）

主要企業プロファイル

• State Farm（United States）
• Geico（United States）
• Progressive（United States）
• Allianz（Germany）
• Berkshire Hathaway（United States）
• Tokio Marine（Japan）
• AXA（France）
• Ping An Insurance（China）
• Zurich Insurance Group（Switzerland）
• Mapfre（Spain）

Global Auto Insurance Market size was valued at USD 710 billion in 2022 and is poised to grow from USD 771.77 billion in 2023 to USD 1504.26 billion by 2031, growing at a CAGR of 8.70% during the forecast period (2024-2031).

Auto insurance functions as a contractual safeguard, providing policyholders protection from financial setbacks resulting from accidents or theft. This legal agreement between the insurer and policyholder involves the insurance provider committing to compensate for incurred losses according to policy terms, in exchange for a premium. Acting as a financial buffer, auto insurance shields individuals from physical harm due to traffic collisions and vehicle theft, covering expenses related to accidents where the insured is responsible for injuries, fatalities, or property damage to others. While auto insurance laws vary, many regions require bodily injury and property damage liability coverage for operating a vehicle on public roads. The global auto insurance market's growth is propelled by increased accident rates, government regulations mandating insurance, and rising global automobile sales due to higher consumer income. Challenges, such as the impact of autonomous vehicles, are also noted. Despite this, the forecasted period presents opportunities for market expansion with the integration of technology and a growing demand for third-party liability coverage in emerging economies.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Auto Insurance Market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Auto Insurance Market Segmental Analysis

Global Auto Insurance market is segmented on the basis of Coverage, Application, Distribution Channel, Vehicle Age, Region. By Coverage, the market is segmented into Third Party Liability Coverage, Collision/Comprehensive/ Other Optional Coverages. By Application, the market is segmented into Personal, Commercial. By Distribution Channel, the market is segmented into Insurance Agents/Brokers, Direct Response, Banks, Others. By Vehicle Age, the market is segmented into New Vehicle, Used Vehicle. By Region, the market is segmented into North America, Europe, Latin America, Asia- Pacific, Middle East and Africa.

Drivers of the Global Auto Insurance Market

The increasing prevalence of vehicle ownership on a global scale, particularly in developing regions, broadens the scope of potential customers for auto insurance, fueling the expansion of the market.

Restraints in the Global Auto Insurance Market

Decreases in economic activity can result in a decline in both the purchase and ownership of vehicles, subsequently impacting the demand for automobile insurance. Economic downturns often influence consumer behavior, leading to reduced interest in buying new vehicles and an overall decrease in the number of owned cars. As a consequence, the demand for auto insurance experiences a corresponding decrease during such periods of economic hardship.

Market Trends of the Global Auto Insurance Market

Combining telematics and Internet of Things (IoT) devices enables insurers to collect instantaneous information about driver habits and vehicle utilization. This integration facilitates a more precise evaluation of risks and the implementation of pricing models based on actual usage patterns.

Table of Contents

Executive Summary

• Market Overview
• Wheel of Fortune

Research Methodology

• Information Procurement
• Secondary & Primary Data Sources
• Market Size Estimation
• Market Assumptions & Limitations

Parent Market Analysis

• Market Overview
• Market Size
• Market Dynamics
  • Drivers
  • Opportunities
  • Restraints
  • Challenges

Key Market Insights

• Technology Analysis
• Pricing Analysis
• Supply Chain Analysis
• Value Chain Analysis
• Ecosystem of the Market
• IP Analysis
• Trade Analysis
• Startup Analysis
• Raw Material Analysis
• Innovation Matrix
• Pipeline Product Analysis
• Macroeconomic Indicators
• Top Investment Analysis
• Key Success Factor
• Degree of Competition

Market Dynamics & Outlook

• Market Dynamics
  • Drivers
  • Opportunities
  • Restraints
  • Challenges
• Regulatory Landscape
• Porters Analysis
  • Competitive rivalry
  • Threat of Substitute Products
  • Bargaining Power of Buyers
  • Threat of New Entrants
  • Bargaining Power of Suppliers
• Skyquest Special Insights on Future Disruptions
  • Political Impact
  • Economic Impact
  • Social Impact
  • Technical Impact
  • Environmental Impact
  • Legal Impact

Global Auto Insurance Market by Application

• Market Overview
• Personal
• Commercial

Global Auto Insurance Market by Coverage

• Market Overview
• Third Party Liability Coverage
• Collision/Comprehensive/ Other Optional Coverages

Global Auto Insurance Market by Vehicle Age

• Market Overview
• New Vehicle
• Used Vehicle

Global Auto Insurance Market Size by Region

• Market Overview
• North America
  • USA
  • Canada
• Europe
  • Germany
  • Spain
  • France
  • UK
  • Rest of Europe
• Asia Pacific
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America
  • Brazil
  • Rest of Latin America
• Middle East & Africa (MEA)
  • GCC Countries
  • South Africa
  • Rest of MEA

Competitive Landscape

• Top 5 Player Comparison
• Market Positioning of Key Players, 2021
• Strategies Adopted by Key Market Players
• Top Winning Strategies
  • By Development
  • By Company
  • By Year
• Recent Activities in the Market
• Key Companies Market Share (%), 2021

Key Company Profiles

• State Farm (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Geico (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Progressive (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Allianz (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Berkshire Hathaway (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tokio Marine (Japan)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• AXA (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Ping An Insurance (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zurich Insurance Group (Switzerland)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Mapfre (Spain)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments