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、車両年齢別、用途別、地域別 - 産業予測、2025年～2032年

自動車保険の世界市場規模は、2023年に9,100億米ドルと評価され、2024年の9,782億5,000万米ドルから2032年までには1兆7,446億9,000万米ドルに成長し、予測期間（2025年～2032年）のCAGRは7.5%で成長する見通しです。

世界の自動車保険市場は、自動車保有台数の増加、事故率の上昇、世界の強制保険法の厳格化によって再形成されています。都市の混雑の中で個人の移動が増加するにつれて、保険会社は保険金請求の増加を経験し、保険料の引き上げとデジタル手法の採用につながります。自律走行車やコネクテッドカーの出現はリスクプロファイルを変化させ、価格設定や規制の調整を必要としています。各地域で規制の枠組みが急速に変化し、賠償責任保険の要件が厳格化され、保険金請求プロセスもデジタル化されつつあります。このような環境は、利用ベースの保険（UBI）、テレマティクス、革新的なリアルタイムの保険契約管理ツールの採用を促進し、消費者の期待を変容させ、業務効率を向上させています。保険会社は、引受の改善、不正行為の削減、顧客サービスの向上のためにAIや自動化を活用するようになっており、損害保険分野における自動車保険の重要な役割を浮き彫りにしています。

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

主要な市場の考察

• 主要な成功要因
• 競合の程度
• 主要な投資機会
• 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
• ケーススタディ
• 顧客購買行動分析

世界の自動車保険の市場規模：補償範囲別・CAGR（2025年～2032年）

• 市場概要
• 賠償責任保険
• 衝突補償
• 総合保険
• その他

世界の自動車保険の市場規模：流通チャネル別・CAGR（2025年～2032年）

• 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

世界の自動車保険の市場規模：車両年齢別・CAGR（2025年～2032年）

• 市場概要
• 新しい車両
• 古い車両

世界の自動車保険の市場規模：用途別・CAGR（2025年～2032年）

• 市場概要
• 商用車両
• 個人車両

世界の自動車保険の市場規模・CAGR（2025年～2032年）

• 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
  • 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
  • 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年～2024年）

主要企業プロファイル

• Allianz SE
• Ping An Insurance
• State Farm Mutual Automobile Insurance Co.
• AXA SA
• Zurich Insurance Group
• Progressive Corporation
• Berkshire Hathaway Inc.（GEICO）
• Tokio Marine Holdings Inc.
• China Pacific Insurance（CPIC）
• PICC Property & Casualty Co. Ltd.
• Assicurazioni Generali S.p.A.
• Liberty Mutual Insurance
• Aviva plc
• Admiral Group plc
• Bajaj Allianz General Insurance
• ICICI Lombard General Insurance
• Intact Financial Corporation
• QBE Insurance Group

結論と提言

Global Motor Insurance Market size was valued at USD 910.0 billion in 2023 and is poised to grow from USD 978.25 billion in 2024 to USD 1744.69 billion by 2032, growing at a CAGR of 7.5% during the forecast period (2025-2032).

The global motor insurance market is reshaped by increasing vehicle ownership, rising accident rates, and more stringent mandatory insurance laws worldwide. As personal mobility grows amidst urban congestion, insurers experience higher claims, leading to premium increases and the adoption of digital practices. The advent of autonomous and connected vehicles is altering risk profiles, necessitating adjustments in pricing and regulation. Rapid changes in regulatory frameworks across regions are enforcing stricter liability insurance requirements and digital claims processes. This climate fosters the adoption of usage-based insurance (UBI), telematics, and innovative real-time policy management tools, transforming consumer expectations and enhancing operational efficiency. Insurers are increasingly leveraging AI and automation for improved underwriting, fraud reduction, and elevated customer service, highlighting the critical role of motor insurance in the property and casualty sector.

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

Global Motor Insurance Market is segmented by Coverage, Distribution Channel, Vehicle Age, Application and region. Based on Coverage, the market is segmented into Liability Coverage, Collision Coverage, Comprehensive 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 Old Vehicles. Based on Application, the market is segmented into Commercial Vehicle and Personal Vehicle. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Motor Insurance Market

The ongoing growth in global vehicle ownership, especially in developing nations, significantly boosts the demand for motor insurance. Factors contributing to this trend include rapid urbanization, rising disposable incomes, and an expanding middle-class population. As individuals and businesses acquire more personal and commercial vehicles, the need for comprehensive motor insurance coverage escalates, fueling the expansion of the motor insurance sector. This dynamic environment emphasizes the critical role that increasing vehicle numbers play in shaping the insurance landscape, as consumers seek protection and peace of mind for their automotive investments amid evolving economic conditions and lifestyles.

Restraints in the Global Motor Insurance Market

The Global Motor Insurance market faces significant challenges stemming from the growing complexity of modern vehicles, particularly with the rise of electric and connected models. As the costs associated with vehicle repairs and replacements rise, insurers experience higher claim settlement expenses, which can diminish their profit margins. In response, insurers often raise premiums to maintain profitability. This increase in costs may deter customers from renewing or purchasing insurance coverage, leading to a potential decline in market participation. Consequently, the dynamic between rising vehicle complexity and insurance pricing can create barriers for both insurers and consumers in the market.

Market Trends of the Global Motor Insurance Market

The global motor insurance market is experiencing a transformative trend with the widespread adoption of telematics and usage-based insurance (UBI) models. This innovative technology allows insurers to analyze real-time driving behavior, enabling personalized premiums that reflect individual driving habits, such as speed, braking patterns, and mileage. As a result, pricing accuracy enhances significantly, fostering a more equitable approach to premium calculations. This shift not only motivates safer driving among policyholders but also bolsters customer loyalty through tailored premium structures. Consequently, telematics and UBI are reshaping risk assessment in the motor insurance industry, driving competitiveness and growth on a global scale.

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
• Case Studies
• Customer Buying Behavior Analysis

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

• Market Overview
• Liability Coverage
• Collision Coverage
• Comprehensive Insurance
• Others

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

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

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

• Market Overview
• New Vehicles
• Old Vehicles

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

• Market Overview
• Commercial Vehicle
• Personal Vehicle

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

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

• Allianz SE
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Ping An Insurance
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• State Farm Mutual Automobile Insurance Co.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• AXA SA
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zurich Insurance Group
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Progressive Corporation
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Berkshire Hathaway Inc. (GEICO)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tokio Marine Holdings Inc.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• China Pacific Insurance (CPIC)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PICC Property & Casualty Co. Ltd.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Assicurazioni Generali S.p.A.
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Liberty Mutual Insurance
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Aviva plc
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Admiral Group plc
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Bajaj Allianz General Insurance
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• ICICI Lombard General Insurance
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Intact Financial Corporation
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• QBE Insurance Group
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations