自動車保険の市場規模、シェア、成長分析：補償範囲別、流通チャネル別、車齢別、車両タイプ別、用途別、地域別 - 産業予測 2025～2032年

自動車保険の世界市場規模は、2023年に8,800億米ドルと評価され、2024年の9,618億4,000万米ドルから2032年には1兆9,591億3,000万米ドルに成長し、予測期間（2025年～2032年）のCAGRは9.3％で成長する見通しです。

自動車保険市場は、事故や盗難による経済的損失から保険契約者を保護するという重要な役割を担っているため、大きな成長が見込まれています。この法的合意は、保険料の支払いがこの補償を確保する一方で、保険会社が損害を補償することを保証するものです。世界的に交通事故が増加し、対人・対物賠償責任保険への加入を義務付ける規制が強化されるにつれ、自動車保険の需要は高まっています。その要因としては、消費者所得の増加に伴う自動車販売の急増や、自律走行車の登場によってもたらされた複雑さが挙げられます。さらに、保険商品とサービスにおける技術的進歩、第三者賠償責任保険に対するニーズの高まりが、新興市場における新たなビジネスチャンスを生み出し、予測期間中の業界拡大をさらに促進すると予想されます。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次と一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 価格分析

自動車保険市場規模：補償範囲別

• 市場概要
• 第三者賠償責任保険
• 総合自動車保険
• その他

自動車保険市場規模：流通チャネル別

• 市場概要
• 保険代理店/ブローカー
• ダイレクトレスポンス
• 銀行
• その他

自動車保険市場規模：車齢別

• 市場概要
• 新車
• 中古車

自動車保険市場規模：車両タイプ別

• 市場概要
• 二輪車
• 個人用自動車
• 商用車

自動車保険市場規模：用途別

• 市場概要
• 個人用
• 商業用

自動車保険市場規模

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• 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
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 最近の市場動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 企業の詳細
  • 製品ポートフォリオ分析
  • 企業のセグメント別シェア分析
  • 収益の前年比比較（2022～2024年）

主要企業プロファイル

• State Farm（United States）
• Progressive（United States）
• GEICO（United States）
• Allstate（United States）
• USAA（United States）
• Liberty Mutual（United States）
• Farmers Insurance（United States）
• American Family Insurance（United States）
• Travelers（United States）
• Nationwide（United States）
• AXA（France）
• Allianz（Germany）
• Zurich Insurance Group（Switzerland）
• Aviva（United Kingdom）
• Generali（Italy）
• MAPFRE（Spain）
• Sompo Holdings（Japan）
• Tokio Marine Holdings（Japan）
• QBE Insurance Group（Australia）
• RSA Insurance Group（United Kingdom）

結論と提言

Global Auto Insurance Market size was valued at USD 880.0 billion in 2023 and is poised to grow from USD 961.84 billion in 2024 to USD 1959.13 billion by 2032, growing at a CAGR of 9.3% during the forecast period (2025-2032).

The auto insurance market is poised for significant growth as it plays a vital role in protecting policyholders from financial losses due to accidents or theft. This legal agreement ensures that insurers compensate for damages while premium payments secure this coverage. As traffic accidents rise globally, and regulations increasingly mandate bodily injury and property damage liability insurance, the demand for auto insurance is intensifying. Contributing factors include surging vehicle sales linked to rising consumer incomes and the complexities introduced by the advent of autonomous vehicles. Additionally, technological advancements in insurance products and services, along with the rising need for third-party liability coverage, are expected to unlock new opportunities in emerging markets, further driving the industry's expansion over the forecasted period.

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 Segments Analysis

Global Auto Insurance Market is segmented by Coverage, Distribution Channel, Vehicle Age, Vehicle Type, Application and region. Based on Coverage, the market is segmented into Third Party Liability Coverage, Comprehensive Motor Insurance and Others. Based on Distribution Channel, the market is segmented into Insurance Agents/Brokers, Direct Response, Banks and Others. Based on Vehicle Age, the market is segmented into New Vehicles and Used Vehicles. Based on Vehicle Type, the market is segmented into Two Wheelers, Personal Cars, Commercial Vehicles. Based on Application, the market is segmented into Personal and Commercial. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Auto Insurance Market

The Global Auto Insurance market is experiencing significant growth, primarily fueled by the surge in vehicle ownership across the globe, particularly in emerging markets. This increase in vehicle registration not only provides greater access to transportation but also expands the potential customer base for auto insurance services. As more individuals acquire vehicles, the demand for comprehensive and tailored insurance coverage rises, prompting insurers to innovate and enhance their offerings. Consequently, the combination of rising vehicle ownership and the evolving needs of consumers is a key driver of growth in the auto insurance sector worldwide.

Restraints in the Global Auto Insurance Market

A significant constraint in the Global Auto Insurance market is the impact of economic downturns, which can result in decreased vehicle sales and ownership rates. When consumers face financial challenges, they are less likely to purchase new cars or even maintain existing ones, directly influencing the demand for auto insurance policies. This reduced vehicle ownership not only affects the premiums insurers can collect but also impacts their overall profitability, as fewer insured vehicles lead to less business. Consequently, economic fluctuations play a crucial role in shaping the dynamics of the auto insurance market on a global scale.

Market Trends of the Global Auto Insurance Market

The Global Auto Insurance market is witnessing a significant trend towards the integration of telematics and Internet of Things (IoT) technologies. Insurers are increasingly adopting these tools to collect real-time data on driver behavior and vehicle usage, which enhances their ability to conduct precise risk assessments. This shift facilitates usage-based pricing models, incentivizing safe driving and personalized premium rates. As consumers become more tech-savvy and demand more tailored insurance solutions, the reliance on telematics and IoT is expected to drive innovation and competition within the sector, ultimately transforming traditional insurance paradigms into more dynamic and customer-centric offerings.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

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

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis

Global Auto Insurance Market Size by Coverage & CAGR (2025-2032)

• Market Overview
• Third Party Liability Coverage
• Comprehensive Motor Insurance
• Others

Global Auto Insurance Market Size by Distribution Channel & CAGR (2025-2032)

• Market Overview
• Insurance Agents/Brokers
• Direct Response
• Banks
• Others

Global Auto Insurance Market Size by Vehicle Age & CAGR (2025-2032)

• Market Overview
• New Vehicles
• Used Vehicles

Global Auto Insurance Market Size by Vehicle Type & CAGR (2025-2032)

• Market Overview
• Two Wheelers
• Personal Cars
• Commercial Vehicles

Global Auto Insurance Market Size by Application & CAGR (2025-2032)

• Market Overview
• Personal
• Commercial

Global Auto Insurance Market Size & CAGR (2025-2032)

• North America (Coverage, Distribution Channel, Vehicle Age, Vehicle Type, Application)
  • US
  • Canada
• Europe (Coverage, Distribution Channel, Vehicle Age, Vehicle Type, Application)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Coverage, Distribution Channel, Vehicle Age, Vehicle Type, Application)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Coverage, Distribution Channel, Vehicle Age, Vehicle Type, Application)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Coverage, Distribution Channel, Vehicle Age, Vehicle Type, Application)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• State Farm (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Progressive (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• GEICO (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Allstate (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• USAA (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Liberty Mutual (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Farmers Insurance (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• American Family Insurance (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Travelers (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Nationwide (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• AXA (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Allianz (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zurich Insurance Group (Switzerland)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Aviva (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Generali (Italy)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• MAPFRE (Spain)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Sompo Holdings (Japan)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tokio Marine Holdings (Japan)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• QBE Insurance Group (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• RSA Insurance Group (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations