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市場調査レポート
商品コード
1614964
自動車保険の市場規模、シェア、成長分析、タイプ別、流通チャネル別、車両タイプ別、エンドユーザー別、地域別- 産業予測、2024~2031年Car Insurance Market Size, Share, Growth Analysis, By Type, By Distribution Channel, By Vehicle Type, By End User, By Region - Industry Forecast 2024-2031 |
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自動車保険の市場規模、シェア、成長分析、タイプ別、流通チャネル別、車両タイプ別、エンドユーザー別、地域別- 産業予測、2024~2031年 |
出版日: 2024年12月13日
発行: SkyQuest
ページ情報: 英文 207 Pages
納期: 3~5営業日
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自動車保険の世界市場規模は、2022年に9,109億米ドルと評価され、2023年の9,781億2,000万米ドルから2031年には1兆7,289億5,000万米ドルに成長し、予測期間中(2024年~2031年)のCAGRは7.4%で成長する見通しです。
自動車保険市場は、主に自動車所有者に最低限の賠償責任補償を維持することを義務付ける規制によって牽引され、安定した需要を確保しています。しかし、保険金請求コストの上昇や不正行為といった課題が保険会社に保険料の引き上げを迫っており、保険契約の購入や更新を妨げる可能性があります。このような障害にもかかわらず、新興国市場は大きな成長機会をもたらしています。経済発展と自動車保有台数の増加により、ニーズに合った保険商品に対する需要が高まっているからです。保険会社はまた、テレマティクスを含む技術的進歩を活用し、保険商品を充実させ、リスク評価を向上させています。米国市場情勢が持続的な成長を遂げると予想される中、利害関係者は規制状況を乗り切り、不正行為に対処するための技術革新を進めると同時に、新興市場における機会を捉える必要があります。
Global Car Insurance Market size was valued at USD 910.90 billion in 2022 and is poised to grow from USD 978.12 billion in 2023 to USD 1728.95 billion by 2031, growing at a CAGR of 7.4% during the forecast period (2024-2031).
The car insurance market is driven primarily by regulatory mandates requiring vehicle owners to maintain minimum liability coverage, ensuring consistent demand. However, challenges such as rising claim costs and fraudulent activities are pushing insurers to increase premiums, potentially discouraging policy purchases or renewals. Despite these obstacles, emerging markets present significant growth opportunities, as economic development and increasing vehicle ownership drive demand for tailored insurance products. Insurers are also leveraging technological advancements, including telematics, to enhance their offerings and improve risk assessment. As the US car insurance market is expected to achieve sustainable growth, stakeholders must navigate regulatory landscapes and innovate to address fraud while seizing opportunities in evolving markets.
Top-down and bottom-up approaches were used to estimate and validate the size of the Global Car 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 Car Insurance Market Segmental Analysis
Global Car Insurance Market is segmented by type, distribution channel, vehicle type, end user and region. Based on type, the market is segmented into third-party liability insurance, comprehensive insurance, personal injury protection and underinsured motorist coverage. Based on distribution channel, the market is segmented into online and offline. Based on vehicle type, the market is segmented into passenger cars (sedans, hatchbacks, SUVs) and commercial vehicles (light commercial vehicles, heavy commercial vehicles). Based on end user, the market is segmented into individual and corporate. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.
Driver of the Global Car Insurance Market
The expanding Global Car Insurance market is primarily fueled by the steady rise in vehicle ownership worldwide. As more individuals acquire vehicles, there is a corresponding surge in the demand for car insurance policies. This trend is particularly pronounced in emerging economies, where increasing disposable incomes and urbanization contribute significantly to higher rates of vehicle ownership. Consequently, the growing number of vehicles on the roads directly correlates with a greater necessity for car insurance coverage, making this factor a key driver in the overall growth and evolution of the car insurance industry.
Restraints in the Global Car Insurance Market
A major challenge facing the global car insurance market is the escalating costs associated with claims. These rising expenses stem from various factors, including surging repair costs, climbing medical bills, and increased legal fees, which collectively drive up the compensations that insurers must pay. As a result, insurance companies may respond by raising premiums, which can adversely affect affordability for consumers. This scenario may discourage individuals from either obtaining or renewing their car insurance policies, ultimately hindering overall market growth and access to essential coverage. Such dynamics underscore the need for innovative solutions to mitigate these financial pressures in the industry.
Market Trends of the Global Car Insurance Market
The global car insurance market is increasingly trending towards Usage-Based Insurance (UBI) and telematics, driven by advancements in technology and consumer demand for personalized solutions. Insurers are integrating telematics devices and smartphone applications to gather real-time data on driving behaviors, which facilitates tailored pricing models that reflect individual risk profiles. This trend not only promotes safer driving habits among consumers through incentives but also enhances insurer profitability by minimizing claims costs. As more insurers embrace this data-driven approach, UBI is poised to redefine the traditional insurance landscape, emphasizing a shift towards more flexible and customer-centric coverage options in the coming years.