保険テレマティクスの市場規模、シェア、成長分析：提供別、タイプ別、展開別、企業規模別、最終用途別、地域別 - 産業予測 2025～2032年

保険テレマティクスの世界市場規模は2023年に43億3,000万米ドルとなり、2024年の51億2,000万米ドルから2032年には195億米ドルに成長し、予測期間（2025-2032年）のCAGRは18.2％で成長する見通しです。

世界の保険テレマティクス市場は、コネクテッドカーに対する意識の高まりとドライバーの安全性を促進する新たな規制によって力強い成長を遂げています。人工知能、IoT、5Gなどの技術の進歩が自動車分野でのイノベーションを加速し、ユーザー体験の向上と収益化の機会を生み出しています。主要国では利用ベースの保険契約への嗜好が高まっており、個別化された補償を提供し、安全運転を通じて事故リスクを軽減することが市場の主要な促進要因となっています。保険会社は、車載システムを通じて車両データに直接アクセスすることを求めるようになっており、テレマティクスとコネクテッドカー技術を統合して、車両追跡や緊急支援などの付加価値サービスを提供するようになっています。さらに、環境問題への関心の高まりから、排出ガスを監視するシステムへの需要が高まっており、テレマティクスは燃料消費量と有害排出量の削減に貢献する安全運転の実践を促進しています。

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
• 技術の進歩
• ケーススタディ

保険テレマティクス市場規模：提供別& CAGR（2025-2032）

• 市場概要
• ハードウェア
• ソフトウェア

保険テレマティクス市場規模：タイプ別& CAGR（2025-2032）

• 市場概要
• 走行距離に応じて料金を支払う
• 運転方法に応じて料金を支払う
• 従量課金制

保険テレマティクス市場規模：展開別& CAGR（2025-2032）

• 市場概要
• クラウド
• オンプレミス

保険テレマティクス市場規模：企業規模別& CAGR（2025-2032）

• 市場概要
• 大企業
• 中小企業

保険テレマティクス市場規模：最終用途別& CAGR（2025-2032）

• 市場概要
• 乗用車
• 商用車

保険テレマティクス市場規模：地域別& CAGR（2025-2032）

• 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）

主要企業プロファイル

• Verizon Communications Inc.（USA）
• AXA SA（France）
• Vodafone Group Plc（UK）
• Allstate Insurance Company（USA）
• Progressive Corporation（USA）
• Liberty Mutual Insurance Company（USA）
• Zurich Insurance Group（Switzerland）
• UnipolSai Assicurazioni S.p.A.（Italy）
• Trimble Inc.（USA）
• LexisNexis Risk Solutions（USA）
• Viasat Group（Italy）
• Towergate Insurance（UK）
• Agero Inc.（USA）
• TomTom International BV（Netherlands）
• Sierra Wireless Inc.（Canada）
• MiX Telematics（South Africa）
• Octo Telematics S.p.A.（Italy）
• Meta System S.p.A.（Italy）
• IMS（Intelligent Mechatronic Systems Inc.）（Canada）
• Masternaut Limited（UK）

結論と提言

Global Insurance Telematics Market size was valued at USD 4.33 billion in 2023 and is poised to grow from USD 5.12 billion in 2024 to USD 19.5 billion by 2032, growing at a CAGR of 18.2% during the forecast period (2025-2032).

The global insurance telematics market is witnessing robust growth driven by increased awareness of connected vehicles and new regulations promoting driver safety. Advancements in technologies such as artificial intelligence, IoT, and 5G have accelerated innovation within the automotive sector, creating enhanced user experiences and monetization opportunities. The rising preference for usage-based insurance policies in major economies is a key market driver, aiming to deliver personalized coverage and mitigate accident risks through safe driving. Insurers are increasingly seeking direct access to vehicle data via onboard systems, integrating telematics with connected car technologies to offer value-added services like vehicle tracking and emergency assistance. Additionally, growing environmental concerns are driving the demand for systems that monitor emissions, while telematics promotes safer driving practices that contribute to reduced fuel consumption and harmful emissions.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Insurance Telematics 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 Insurance Telematics Market Segments Analysis

Global Insurance Telematics Market is segmented by Offering, Type, Deployment, Enterprise Size, End Use and region. Based on Offering, the market is segmented into Hardware and Software. Based on Type, the market is segmented into Pay-as-you-drive, Pay-how-you-drive and Pay-as-you-go. Based on Deployment, the market is segmented into Cloud and On-premise. Based on Enterprise Size, the market is segmented into Large Enterprises and Small & Medium Enterprises. Based on End Use, the market is segmented into Passenger Vehicle and Commercial Vehicle. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Insurance Telematics Market

The global insurance telematics market is experiencing significant growth driven by the rise of usage-based insurance models. Telematics technology enables insurers to analyze real-time driving behavior data, allowing them to offer more tailored and competitive rates aligned with individual risk profiles. As a result, consumers are increasingly drawn to telematics systems, motivated by the prospect of lower insurance premiums and enhanced rewards for maintaining safe driving habits. This growing demand reflects a broader trend towards personalized insurance solutions that leverage data analytics to improve customer experiences and incentivize responsible driving.

Restraints in the Global Insurance Telematics Market

The Global Insurance Telematics market faces significant restraints, primarily driven by the increasing demand for data protection and privacy. Consumers are apprehensive about sharing their personal driving data due to the potential for misuse or security breaches, which poses a challenge for the industry. Insurers are tasked with implementing robust security measures to safeguard sensitive information and build consumer trust. However, the financial and operational complexities associated with ensuring adequate data protection may hinder the market's expansion. Balancing the need for innovation within telematics while addressing these privacy concerns remains a critical challenge for stakeholders in the insurance sector.

Market Trends of the Global Insurance Telematics Market

The global insurance telematics market is increasingly witnessing the integration of artificial intelligence (AI) for predictive analytics, revolutionizing how insurers assess risk and price policies. As telematics devices generate vast amounts of data, AI algorithms enable insurers to predict driver behavior with greater accuracy. This facilitates the development of personalized insurance offerings, allowing companies to provide competitive rates and tailor policies to individual driving habits. The ability to analyze patterns and trends in real-time enhances underwriting processes, making them more efficient and precise. As awareness of telematics grows, the demand for AI-driven insights in underwriting will continue to expand, positioning it as a pivotal trend in the market.

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
• Technological Advancement
• Case Studies

Global Insurance Telematics Market Size by Offering & CAGR (2025-2032)

• Market Overview
• Hardware
• Software

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

• Market Overview
• Pay-as-you-drive
• Pay-how-you-drive
• Pay-as-you-go

Global Insurance Telematics Market Size by Deployment & CAGR (2025-2032)

• Market Overview
• Cloud
• On-premise

Global Insurance Telematics Market Size by Enterprise Size & CAGR (2025-2032)

• Market Overview
• Large Enterprises
• Small & Medium Enterprises

Global Insurance Telematics Market Size by End Use & CAGR (2025-2032)

• Market Overview
• Passenger Vehicle
• Commercial Vehicle

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

• North America (Offering, Type, Deployment, Enterprise Size, End Use)
  • US
  • Canada
• Europe (Offering, Type, Deployment, Enterprise Size, End Use)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Offering, Type, Deployment, Enterprise Size, End Use)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Offering, Type, Deployment, Enterprise Size, End Use)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Offering, Type, Deployment, Enterprise Size, End Use)
  • 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

• Verizon Communications Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• AXA SA (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Vodafone Group Plc (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Allstate Insurance Company (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Progressive Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Liberty Mutual Insurance Company (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zurich Insurance Group (Switzerland)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• UnipolSai Assicurazioni S.p.A. (Italy)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Trimble Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• LexisNexis Risk Solutions (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Viasat Group (Italy)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Towergate Insurance (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Agero Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• TomTom International BV (Netherlands)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Sierra Wireless Inc. (Canada)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• MiX Telematics (South Africa)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Octo Telematics S.p.A. (Italy)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Meta System S.p.A. (Italy)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• IMS (Intelligent Mechatronic Systems Inc.) (Canada)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Masternaut Limited (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations