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1603822

電気自動車保険市場の2030年までの予測：推進力タイプ別、車両タイプ別、補償タイプ別、車両年齢別、地域別の世界分析

Electric Vehicle Insurance Market Forecasts to 2030 - Global Analysis By Propulsion Type, Vehicle Type, Coverage Type, Vehicle Age and By Geography

出版日: 2024年11月11日
発行: Stratistics Market Research Consulting
ページ情報: 英文 200+ Pages
納期: 2～3営業日

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概要
図表
目次

概要

サンプル依頼リストに入れる

Stratistics MRCによると、世界の電気自動車（EV）保険市場は2024年に1,165億米ドルを占め、2030年にはCAGR42.5％で成長し、9,757億米ドルに達すると予測されています。

電気自動車（EV）保険は、従来のガソリン車とは技術、修理の必要性、潜在的リスクの点で異なる電気自動車をカバーするために設計された特殊な自動車保険です。EV保険は、通常の自動車保険と同様に、事故、盗難、破壊行為、自然災害による損害を補償します。また、バッテリー、充電装置、電動パワートレインなど、修理や交換に多額の費用がかかるEV部品に関連する特定の条項が含まれている場合もあります。保険会社によっては、家庭用充電ステーション、充電トラブル時のロードサイドアシスタンス、さらにはEV専用部品の延長保証などの補償オプションを提供しています。

国際エネルギー機関（IEA）によると、2021年には世界で約470万台のBEV車が販売されたのに対し、ハイブリッド車の総販売台数は190万台だった。

テレマティクスや利用ベース保険との統合

テレマティクスと利用ベースの保険（UBI）の統合は、実際の運転行動に沿ったパーソナライズされたデータ主導型の保険を提供することで、電気自動車（EV）保険を変革しつつあります。走行距離、速度、加速度、ブレーキパターンなどのデータを追跡するテレマティクス機器により、保険会社は従来のリスク要因ではなく、リアルタイムの運転習慣に基づいて保険料を調整することができます。EVの場合、充電の頻度や効率、航続距離、全体的な使用状況を把握できるため、これは特に有利です。その結果、より正確な価格設定が可能になり、安全運転に報いる保険料の引き下げが可能になります。

バッテリーの寿命と劣化の不確実性

バッテリーの寿命と劣化の不確実性は、電気自動車（EV）保険のプロバイダーにとって重要な課題です。従来の内燃エンジン車とは異なり、EVはリチウムイオンバッテリーに大きく依存しており、時間とともに劣化して航続距離や効率が低下します。バッテリーの寿命や故障時期を予測することは、気温、使用パターン、充電習慣、特定のバッテリー化学など、数多くの要因に左右されるため難しいです。この予測不可能性は、バッテリーの故障や劣化のリスクを正確に評価するプロセスを複雑にし、ひいては保険料や補償オプションに影響を与えます。保険会社はバッテリーに関連する問題に対する包括的な補償を提供することに消極的で、EV所有者のコスト上昇や選択肢の制限につながる可能性があります。

インターネットとモバイル機器の普及

EVを導入する消費者が増えるにつれ、情報、比較、保険契約の購入においてデジタル・プラットフォームへの依存度が高まっています。モバイル・アプリやオンライン・ツールを利用すれば、EVオーナーは車の性能に関するリアルタイムのデータに簡単にアクセスでき、メンテナンス・スケジュールを追跡し、保険金請求まで行えるため、保険手続きが合理化されます。EVにテレマティクス技術が採用されるようになったことで、保険会社は運転行動をより正確に評価できるようになり、個々の使用パターンに基づいたカスタマイズ保険が可能になった。また、デジタル・プラットフォームは保険市場の競争力を高め、コスト削減を促進し、保険証券の即時発行や更新による顧客体験の向上をもたらしています。

充電インフラの不足

充電インフラが普及していないことが、電気自動車（EV）保険の成長にとって大きな障壁となっています。保険会社は、充電ステーションの利用可能性が限られているため、充電アクセスが不十分な遠隔地で故障や事故が発生する可能性が高くなり、リスクを評価する上で課題に直面しています。信頼できる充電ネットワークがないことは、EV所有者の航続距離不安にも影響し、充電設備が乏しい地域ではバッテリーの消耗が懸念されます。その結果、保険会社は、特に充電インフラが限られている地域のEV所有者については、修理費用や緊急サービスが高くなる可能性が高まるため、保険料を高く設定する可能性があります。

COVID-19の影響：

COVID-19の大流行は、運転行動の変化、規制の変更、EV普及の加速などにより、電気自動車（EV）保険市場に大きな影響を与えました。封鎖や規制が広まったことで、多くの人が運転を控え、事故率が低下し、従来型車両と電気自動車の両方の保険料が一時的に引き下げられました。保険会社は保険金請求の減少を織り込んで価格設定モデルを再調整しました。しかし、政府がより環境に優しい政策を推進し、消費者がより持続可能な交通手段を求めたため、パンデミックはEVへの移行を早めることにもなった。

予測期間中、バッテリー電気自動車セグメントが最大になると予想される

予測期間中、バッテリー電気自動車分野が最大のシェアを占めると予想されます。環境問題や技術の進歩によりBEVの人気が高まるにつれ、保険会社はBEVのユニークなニーズに対応するために保険を適応させています。BEVは一般的に、その高いバッテリーコスト、先進技術、独自の修理要件により、専門的な補償が必要となります。保険会社は、バッテリー寿命、充電インフラ、ソフトウェアベースの故障の可能性などの要素を考慮した、カスタマイズされたEV保険を提供するようになってきています。さらに、従来の自動車に比べてBEVのメンテナンスコストが低いことが保険料体系に影響を与え、より競争力のある価格設定につながっています。

予測期間中、乗用車セグメントのCAGRが最も高くなると予測されます。

乗用車セグメントは、世界の電気自動車の急速な普及により、予測期間中に急成長すると予測されます。従来の内燃機関（ICE）車から電気自動車に乗り換える消費者や企業が増えるにつれ、電気自動車に特化した保険の需要が急増しています。EVには高度なバッテリー技術、電動パワートレイン、ハイテク部品など独自の特徴があり、それぞれに合った補償が必要となります。保険会社は、こうした特殊なリスクをカバーする保険を提供することで対応しており、多くの場合、環境に優しい運転習慣に対する割引などのインセンティブを付けています。EVインフラの拡大と政府のインセンティブがEV市場の成長をさらに後押ししており、EV保険は自動車保険業界全体の中でも重要かつダイナミックな分野となっています。

最大のシェアを占める地域：

アジア太平洋地域は、環境意識やEV導入の増加などの要因が重なり、予測期間を通じて市場で最大のシェアを占めるとみられます。中国、日本、インドのような国々がこの移行の最前線にあり、政府はEV販売を促進するために税金の払い戻しやインフラ整備などのインセンティブを提供しています。EVの所有率が高まるにつれ、バッテリーの故障や充電設備、技術統合に対する補償など、電気自動車特有のニーズに合わせた専門的な保険商品の需要も急増しています。さらに、同地域では国内および世界な保険会社の存在感が高まっており、競争が激化しているため、より革新的で手頃な保険オプションが提供されるようになっています。

CAGRが最も高い地域：

予測期間中、CAGRが最も高いのは欧州地域です。欧州では、特に電気自動車（EV）保険分野でグリーン・インセンティブ・プログラムが急速に普及しています。これらのプログラムは、電気自動車を運転したり、持続可能な慣行を利用したり、二酸化炭素排出量の削減に貢献したりする保険契約者に金銭的なインセンティブや割引、報酬を提供することで、環境に優しい行動を奨励するように設計されています。保険会社は、EVの需要が高まっていることをますます認識し、EV所有者の保険料の引き下げ、安全運転に対する割引、グリーン・テクノロジーの使用に対する追加特典の提供など、環境目標に沿ったサービスを提供するようになってきています。こうしたインセンティブは、電気自動車の普及を促進し、ひいてはカーボンニュートラルの達成という欧州連合（EU）全体の目標を支援することにつながります。

無料のカスタマイズサービス：

本レポートをご購読のお客様には、以下の無料カスタマイズオプションのいずれかをご利用いただけます：

企業プロファイル
- 追加市場プレーヤーの包括的プロファイリング（3社まで）
- 主要企業のSWOT分析（3社まで）
地域セグメンテーション
- 顧客の関心に応じた主要国の市場推計・予測・CAGR（注：フィージビリティチェックによる）
競合ベンチマーキング
- 製品ポートフォリオ、地理的プレゼンス、戦略的提携に基づく主要企業のベンチマーキング

北米
- 米国
- カナダ
- メキシコ
欧州
- ドイツ
- 英国
- イタリア
- フランス
- スペイン
- その他欧州
アジア太平洋
- 日本
- 中国
- インド
- オーストラリア
- ニュージーランド
- 韓国
- その他アジア太平洋
南米
- アルゼンチン
- ブラジル
- チリ
- その他南米
中東・アフリカ
- サウジアラビア
- アラブ首長国連邦
- カタール
- 南アフリカ
- その他中東とアフリカ

第10章主な発展

契約、パートナーシップ、コラボレーション、合弁事業
買収と合併
新製品発売
事業拡大
その他の主要戦略

第11章企業プロファイリング

Allianz SE
Allstate Insurance Company
Bajaj Allianz General Insurance Company
Direct Line Insurance Group plc
Esure Group plc
Lemonade, Inc
Liberty Mutual Insurance Company
The Progressive Corporation
State Farm Mutual Automobile Insurance Company
Zurich Insurance Group

図表

List of Tables

Table 1 Global Electric Vehicle [EV] Insurance Market Outlook, By Region (2022-2030) ($MN)
Table 2 Global Electric Vehicle [EV] Insurance Market Outlook, By Propulsion Type (2022-2030) ($MN)
Table 3 Global Electric Vehicle [EV] Insurance Market Outlook, By Battery Electric Vehicles (2022-2030) ($MN)
Table 4 Global Electric Vehicle [EV] Insurance Market Outlook, By Hybrid Electric Vehicles (2022-2030) ($MN)
Table 5 Global Electric Vehicle [EV] Insurance Market Outlook, By Vehicle Type (2022-2030) ($MN)
Table 6 Global Electric Vehicle [EV] Insurance Market Outlook, By Commercial Vehicles (2022-2030) ($MN)
Table 7 Global Electric Vehicle [EV] Insurance Market Outlook, By Passenger Cars (2022-2030) ($MN)
Table 8 Global Electric Vehicle [EV] Insurance Market Outlook, By Coverage Type (2022-2030) ($MN)
Table 9 Global Electric Vehicle [EV] Insurance Market Outlook, By Accidental Damage (2022-2030) ($MN)
Table 10 Global Electric Vehicle [EV] Insurance Market Outlook, By Car Battery & Auto Parts Replacement (2022-2030) ($MN)
Table 11 Global Electric Vehicle [EV] Insurance Market Outlook, By Theft or Malicious Damage (2022-2030) ($MN)
Table 12 Global Electric Vehicle [EV] Insurance Market Outlook, By Other Coverage Types (2022-2030) ($MN)
Table 13 Global Electric Vehicle [EV] Insurance Market Outlook, By Vehicle Age (2022-2030) ($MN)
Table 14 Global Electric Vehicle [EV] Insurance Market Outlook, By Used Vehicle (2022-2030) ($MN)
Table 15 Global Electric Vehicle [EV] Insurance Market Outlook, By New Vehicle (2022-2030) ($MN)
Table 16 North America Electric Vehicle [EV] Insurance Market Outlook, By Country (2022-2030) ($MN)
Table 17 North America Electric Vehicle [EV] Insurance Market Outlook, By Propulsion Type (2022-2030) ($MN)
Table 18 North America Electric Vehicle [EV] Insurance Market Outlook, By Battery Electric Vehicles (2022-2030) ($MN)
Table 19 North America Electric Vehicle [EV] Insurance Market Outlook, By Hybrid Electric Vehicles (2022-2030) ($MN)
Table 20 North America Electric Vehicle [EV] Insurance Market Outlook, By Vehicle Type (2022-2030) ($MN)
Table 21 North America Electric Vehicle [EV] Insurance Market Outlook, By Commercial Vehicles (2022-2030) ($MN)
Table 22 North America Electric Vehicle [EV] Insurance Market Outlook, By Passenger Cars (2022-2030) ($MN)
Table 23 North America Electric Vehicle [EV] Insurance Market Outlook, By Coverage Type (2022-2030) ($MN)
Table 24 North America Electric Vehicle [EV] Insurance Market Outlook, By Accidental Damage (2022-2030) ($MN)
Table 25 North America Electric Vehicle [EV] Insurance Market Outlook, By Car Battery & Auto Parts Replacement (2022-2030) ($MN)
Table 26 North America Electric Vehicle [EV] Insurance Market Outlook, By Theft or Malicious Damage (2022-2030) ($MN)
Table 27 North America Electric Vehicle [EV] Insurance Market Outlook, By Other Coverage Types (2022-2030) ($MN)
Table 28 North America Electric Vehicle [EV] Insurance Market Outlook, By Vehicle Age (2022-2030) ($MN)
Table 29 North America Electric Vehicle [EV] Insurance Market Outlook, By Used Vehicle (2022-2030) ($MN)
Table 30 North America Electric Vehicle [EV] Insurance Market Outlook, By New Vehicle (2022-2030) ($MN)
Table 31 Europe Electric Vehicle [EV] Insurance Market Outlook, By Country (2022-2030) ($MN)
Table 32 Europe Electric Vehicle [EV] Insurance Market Outlook, By Propulsion Type (2022-2030) ($MN)
Table 33 Europe Electric Vehicle [EV] Insurance Market Outlook, By Battery Electric Vehicles (2022-2030) ($MN)
Table 34 Europe Electric Vehicle [EV] Insurance Market Outlook, By Hybrid Electric Vehicles (2022-2030) ($MN)
Table 35 Europe Electric Vehicle [EV] Insurance Market Outlook, By Vehicle Type (2022-2030) ($MN)
Table 36 Europe Electric Vehicle [EV] Insurance Market Outlook, By Commercial Vehicles (2022-2030) ($MN)
Table 37 Europe Electric Vehicle [EV] Insurance Market Outlook, By Passenger Cars (2022-2030) ($MN)
Table 38 Europe Electric Vehicle [EV] Insurance Market Outlook, By Coverage Type (2022-2030) ($MN)
Table 39 Europe Electric Vehicle [EV] Insurance Market Outlook, By Accidental Damage (2022-2030) ($MN)
Table 40 Europe Electric Vehicle [EV] Insurance Market Outlook, By Car Battery & Auto Parts Replacement (2022-2030) ($MN)
Table 41 Europe Electric Vehicle [EV] Insurance Market Outlook, By Theft or Malicious Damage (2022-2030) ($MN)
Table 42 Europe Electric Vehicle [EV] Insurance Market Outlook, By Other Coverage Types (2022-2030) ($MN)
Table 43 Europe Electric Vehicle [EV] Insurance Market Outlook, By Vehicle Age (2022-2030) ($MN)
Table 44 Europe Electric Vehicle [EV] Insurance Market Outlook, By Used Vehicle (2022-2030) ($MN)
Table 45 Europe Electric Vehicle [EV] Insurance Market Outlook, By New Vehicle (2022-2030) ($MN)
Table 46 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Country (2022-2030) ($MN)
Table 47 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Propulsion Type (2022-2030) ($MN)
Table 48 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Battery Electric Vehicles (2022-2030) ($MN)
Table 49 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Hybrid Electric Vehicles (2022-2030) ($MN)
Table 50 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Vehicle Type (2022-2030) ($MN)
Table 51 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Commercial Vehicles (2022-2030) ($MN)
Table 52 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Passenger Cars (2022-2030) ($MN)
Table 53 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Coverage Type (2022-2030) ($MN)
Table 54 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Accidental Damage (2022-2030) ($MN)
Table 55 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Car Battery & Auto Parts Replacement (2022-2030) ($MN)
Table 56 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Theft or Malicious Damage (2022-2030) ($MN)
Table 57 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Other Coverage Types (2022-2030) ($MN)
Table 58 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Vehicle Age (2022-2030) ($MN)
Table 59 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By Used Vehicle (2022-2030) ($MN)
Table 60 Asia Pacific Electric Vehicle [EV] Insurance Market Outlook, By New Vehicle (2022-2030) ($MN)
Table 61 South America Electric Vehicle [EV] Insurance Market Outlook, By Country (2022-2030) ($MN)
Table 62 South America Electric Vehicle [EV] Insurance Market Outlook, By Propulsion Type (2022-2030) ($MN)
Table 63 South America Electric Vehicle [EV] Insurance Market Outlook, By Battery Electric Vehicles (2022-2030) ($MN)
Table 64 South America Electric Vehicle [EV] Insurance Market Outlook, By Hybrid Electric Vehicles (2022-2030) ($MN)
Table 65 South America Electric Vehicle [EV] Insurance Market Outlook, By Vehicle Type (2022-2030) ($MN)
Table 66 South America Electric Vehicle [EV] Insurance Market Outlook, By Commercial Vehicles (2022-2030) ($MN)
Table 67 South America Electric Vehicle [EV] Insurance Market Outlook, By Passenger Cars (2022-2030) ($MN)
Table 68 South America Electric Vehicle [EV] Insurance Market Outlook, By Coverage Type (2022-2030) ($MN)
Table 69 South America Electric Vehicle [EV] Insurance Market Outlook, By Accidental Damage (2022-2030) ($MN)
Table 70 South America Electric Vehicle [EV] Insurance Market Outlook, By Car Battery & Auto Parts Replacement (2022-2030) ($MN)
Table 71 South America Electric Vehicle [EV] Insurance Market Outlook, By Theft or Malicious Damage (2022-2030) ($MN)
Table 72 South America Electric Vehicle [EV] Insurance Market Outlook, By Other Coverage Types (2022-2030) ($MN)
Table 73 South America Electric Vehicle [EV] Insurance Market Outlook, By Vehicle Age (2022-2030) ($MN)
Table 74 South America Electric Vehicle [EV] Insurance Market Outlook, By Used Vehicle (2022-2030) ($MN)
Table 75 South America Electric Vehicle [EV] Insurance Market Outlook, By New Vehicle (2022-2030) ($MN)
Table 76 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Country (2022-2030) ($MN)
Table 77 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Propulsion Type (2022-2030) ($MN)
Table 78 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Battery Electric Vehicles (2022-2030) ($MN)
Table 79 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Hybrid Electric Vehicles (2022-2030) ($MN)
Table 80 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Vehicle Type (2022-2030) ($MN)
Table 81 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Commercial Vehicles (2022-2030) ($MN)
Table 82 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Passenger Cars (2022-2030) ($MN)
Table 83 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Coverage Type (2022-2030) ($MN)
Table 84 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Accidental Damage (2022-2030) ($MN)
Table 85 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Car Battery & Auto Parts Replacement (2022-2030) ($MN)
Table 86 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Theft or Malicious Damage (2022-2030) ($MN)
Table 87 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Other Coverage Types (2022-2030) ($MN)
Table 88 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Vehicle Age (2022-2030) ($MN)
Table 89 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By Used Vehicle (2022-2030) ($MN)
Table 90 Middle East & Africa Electric Vehicle [EV] Insurance Market Outlook, By New Vehicle (2022-2030) ($MN)

Product Code: SMRC27844

According to Stratistics MRC, the Global Electric Vehicle [EV] Insurance Market is accounted for $116.5 billion in 2024 and is expected to reach $975.7 billion by 2030 growing at a CAGR of 42.5% during the forecast period. Electric Vehicle (EV) insurance is a specialized type of auto insurance designed to cover electric vehicles, which differ from traditional gasoline-powered cars in terms of technology, repair needs, and potential risks. EV insurance policies provide coverage for damages resulting from accidents, theft, vandalism, or natural disasters, similar to standard car insurance. They may also include specific provisions related to EV components like the battery, charging equipment, and electric powertrains, which can be costly to repair or replace. Some insurers offer coverage options for home charging stations, roadside assistance for charging issues, and even extended warranties for EV-specific parts.

According to the International Energy Agency (IEA), in 2021, nearly 4.7 million BEV cars were sold worldwide, whereas the total number of hybrid cars sold was 1.9 million units.

Market Dynamics:

Driver:

Integration with telematics and usage-based insurance

The integration of telematics and usage-based insurance (UBI) is transforming Electric Vehicle (EV) insurance by offering personalized, data-driven policies that align with actual driving behavior. Telematics devices, which track data such as mileage, speed, acceleration, and braking patterns, allow insurers to tailor premiums based on real-time driving habits rather than traditional risk factors. For EVs, this is particularly advantageous, as it provides insights into how often and how efficiently the vehicle is charged, its range, and overall usage. This results in more accurate pricing that can reward safe driving with lower premiums.

Restraint:

Uncertainty of battery life and degradation

The uncertainty of battery life and degradation is a significant challenge for Electric Vehicle (EV) insurance providers. Unlike traditional internal combustion engine vehicles, EVs rely heavily on lithium-ion batteries, which degrade over time, reducing their range and efficiency. Predicting how long a battery will last or when it will fail is difficult because it depends on numerous factors, such as temperature, usage patterns, charging habits, and the specific battery chemistry. This unpredictability complicates the process of accurately assessing the risk of battery failure or deterioration, which in turn impacts insurance premiums and coverage options. Insurers may be reluctant to offer comprehensive coverage for battery-related issues, leading to higher costs for EV owners or limited options.

Opportunity:

Rise in penetration of internet & mobile devices

As more consumers adopt EVs, they are increasingly relying on digital platforms for information, comparison, and purchasing of insurance policies. Mobile apps and online tools make it easier for EV owners to access real-time data on their vehicle's performance, track maintenance schedules, and even file claims, streamlining the insurance process. The growing use of telematics technology in EVs allows insurers to assess driving behavior more accurately, enabling customized policies based on individual usage patterns, which can result in lower premiums for safe drivers. Digital platforms also foster a more competitive insurance market, driving down costs and improving customer experience with instant policy issuance and renewals.

Threat:

Lack of charging infrastructure

The lack of widespread charging infrastructure is a significant barrier to the growth of Electric Vehicle (EV) insurance. Insurers face challenges in assessing risk due to the limited availability of charging stations, which can increase the likelihood of breakdowns or accidents in remote areas with insufficient charging access. The absence of reliable charging networks also affects the range anxiety of EV owners, leading to concerns about battery depletion in areas where charging facilities are scarce. As a result, insurers may factor in higher premiums for EVs, especially for owners in regions with limited charging infrastructure, as the potential for higher repair costs or emergency services increases.

Covid-19 Impact:

The COVID-19 pandemic had a significant impact on the electric vehicle (EV) insurance market, driven by shifts in driving behavior, regulatory changes, and the acceleration of EV adoption. With widespread lockdowns and restrictions, many people drove less, leading to a decrease in accident rates and a temporary reduction in premiums for both traditional and electric vehicles. Insurers recalibrated pricing models, factoring in the drop in claims. However, the pandemic also fast-tracked the transition to EVs, as governments pushed for greener policies and consumers sought more sustainable transportation options.

The Battery Electric Vehicles segment is expected to be the largest during the forecast period

Battery Electric Vehicles segment is expected to dominate the largest share over the estimated period. As BEVs become more popular due to environmental concerns and advancements in technology, insurance providers are adapting their policies to cater to the unique needs of these vehicles. BEVs generally require specialized coverage due to their high battery costs, advanced technologies, and unique repair requirements. Insurers are increasingly offering customized EV insurance policies that account for factors like battery life, charging infrastructure, and the potential for software-based malfunctions. Additionally, the lower maintenance costs of BEVs compared to traditional vehicles are influencing premium structures, leading to more competitive pricing.

The Passenger Cars segment is expected to have the highest CAGR during the forecast period

Passenger Cars segment is estimated to grow at a rapid pace during the forecast period, driven by the rapid adoption of electric vehicles globally. As more consumers and businesses switch from traditional internal combustion engine (ICE) cars to EVs, the demand for specialized EV insurance policies has surged. EVs come with unique features such as advanced battery technology, electric powertrains, and high-tech components, which require tailored coverage. Insurance companies are adapting by offering policies that cover these specific risks, often with incentives like discounts for eco-friendly driving habits. The expansion of EV infrastructure and government incentives further fuel the growth of the EV market, making EV insurance a crucial and dynamic segment in the broader automotive insurance industry.

Region with largest share:

Asia Pacific region is poised to hold the largest share of the market throughout the extrapolated period, due to a combination of factors including environmental awareness and the rise of EV adoption. Countries like China, Japan, and India are at the forefront of this transition, with governments offering incentives such as tax rebates and infrastructure development to boost EV sales. As EV ownership rises, the demand for specialized insurance products tailored to the unique needs of electric vehicles such as coverage for battery failure, charging equipment and technology integration is also surging. Moreover, the growing presence of both local and global insurers in the region is driving competition, resulting in more innovative and affordable insurance options.

Region with highest CAGR:

Europe region is estimated to witness the highest CAGR during the projected time frame. Green incentive programs in Europe are rapidly gaining traction, particularly in the electric vehicle (EV) insurance sector. These programs are designed to encourage eco-friendly behavior by offering financial incentives, discounts or rewards to policyholders who drive electric vehicles, use sustainable practices, or contribute to reducing their carbon footprint. Insurers are increasingly recognizing the growing demand for EVs and are aligning their offerings with environmental goals, providing lower premiums for EV owners, discounted rates for safe driving and additional perks for using green technologies. These incentives help to drive the adoption of electric vehicles, which in turn supports the broader European Union target of achieving carbon neutrality.

Key players in the market

Some of the key players in Electric Vehicle [EV] Insurance market include Allianz SE, Allstate Insurance Company, Bajaj Allianz General Insurance Company, Direct Line Insurance Group plc, Esure Group plc, Lemonade, Inc, Liberty Mutual Insurance Company, The Progressive Corporation, State Farm Mutual Automobile Insurance Company and Zurich Insurance Group.

Key Developments:

In September 2022, Aviva launched standalone insurance products for EV charging points owing to the surge in demand for EVs in the U.K. The insurance product offers Erection All Risks (EAR) and Operational All Risks (OAR) cover for EV chargers, which is aimed at targeting business customers, including car park operators, contractors, local authorities, asset managers, and forecourt operators. The policies will cover businesses against the risk of fire, flood, and malicious or accidental damage and will be available for single chargers.

In August 2022, Liberty Mutual Insurance Company, in partnership with Autonomy, an EV subscription company, launched a digital month-to-month auto insurance product for EV users. The platform partnership with Autonomy's DigiSure will enable the users to digitally onboard, evaluate, and qualify a subscriber for month-to-month auto coverage. Furthermore, the partnership with Autonomy will create easy, seamless access to electric vehicles.

In February 2022, AXA Commercial launched a new proposition for fleet customers with electric vehicles to offer greener fleet options to businesses. The proposition includes "future-proof" policy edits, including definitions and consideration for EV accessories such as connectors and charging cables as well as cover for loss or damage to charging points.

Propulsion Types Covered:

Battery Electric Vehicles
Hybrid Electric Vehicles

Vehicle Types Covered:

Commercial Vehicles
Passenger Cars

Coverage Types Covered:

Accidental Damage
Car Battery & Auto Parts Replacement
Theft or Malicious Damage
Other Coverage Types

Vehicle Ages Covered:

Used Vehicle
New Vehicle

Regions Covered:

North America
- US
- Canada
- Mexico
Europe
- Germany
- UK
- Italy
- France
- Spain
- Rest of Europe
Asia Pacific
- Japan
- China
- India
- Australia
- New Zealand
- South Korea
- Rest of Asia Pacific
South America
- Argentina
- Brazil
- Chile
- Rest of South America
Middle East & Africa
- Saudi Arabia
- UAE
- Qatar
- South Africa
- Rest of Middle East & Africa

What our report offers:

Market share assessments for the regional and country-level segments
Strategic recommendations for the new entrants
Covers Market data for the years 2022, 2023, 2024, 2026, and 2030
Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
Strategic recommendations in key business segments based on the market estimations
Competitive landscaping mapping the key common trends
Company profiling with detailed strategies, financials, and recent developments
Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

Company Profiling
- Comprehensive profiling of additional market players (up to 3)
- SWOT Analysis of key players (up to 3)
Regional Segmentation
- Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
Competitive Benchmarking
- Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

1 Executive Summary

2 Preface

2.1 Abstract
2.2 Stake Holders
2.3 Research Scope
2.4 Research Methodology
- 2.4.1 Data Mining
- 2.4.2 Data Analysis
- 2.4.3 Data Validation
- 2.4.4 Research Approach
2.5 Research Sources
- 2.5.1 Primary Research Sources
- 2.5.2 Secondary Research Sources
- 2.5.3 Assumptions

3 Market Trend Analysis

3.1 Introduction
3.2 Drivers
3.3 Restraints
3.4 Opportunities
3.5 Threats
3.6 Emerging Markets
3.7 Impact of Covid-19

4 Porters Five Force Analysis

4.1 Bargaining power of suppliers
4.2 Bargaining power of buyers
4.3 Threat of substitutes
4.4 Threat of new entrants
4.5 Competitive rivalry

5 Global Electric Vehicle [EV] Insurance Market, By Propulsion Type

5.1 Introduction
5.2 Battery Electric Vehicles
5.3 Hybrid Electric Vehicles

6 Global Electric Vehicle [EV] Insurance Market, By Vehicle Type

6.1 Introduction
6.2 Commercial Vehicles
6.3 Passenger Cars

7 Global Electric Vehicle [EV] Insurance Market, By Coverage Type

7.1 Introduction
7.2 Accidental Damage
7.3 Car Battery & Auto Parts Replacement
7.4 Theft or Malicious Damage
7.5 Other Coverage Types

8 Global Electric Vehicle [EV] Insurance Market, By Vehicle Age

8.1 Introduction
8.2 Used Vehicle
8.3 New Vehicle

9 Global Electric Vehicle [EV] Insurance Market, By Geography

9.1 Introduction
9.2 North America
- 9.2.1 US
- 9.2.2 Canada
- 9.2.3 Mexico
9.3 Europe
- 9.3.1 Germany
- 9.3.2 UK
- 9.3.3 Italy
- 9.3.4 France
- 9.3.5 Spain
- 9.3.6 Rest of Europe
9.4 Asia Pacific
- 9.4.1 Japan
- 9.4.2 China
- 9.4.3 India
- 9.4.4 Australia
- 9.4.5 New Zealand
- 9.4.6 South Korea
- 9.4.7 Rest of Asia Pacific
9.5 South America
- 9.5.1 Argentina
- 9.5.2 Brazil
- 9.5.3 Chile
- 9.5.4 Rest of South America
9.6 Middle East & Africa
- 9.6.1 Saudi Arabia
- 9.6.2 UAE
- 9.6.3 Qatar
- 9.6.4 South Africa
- 9.6.5 Rest of Middle East & Africa

10 Key Developments

10.1 Agreements, Partnerships, Collaborations and Joint Ventures
10.2 Acquisitions & Mergers
10.3 New Product Launch
10.4 Expansions
10.5 Other Key Strategies

11 Company Profiling

11.1 Allianz SE
11.2 Allstate Insurance Company
11.3 Bajaj Allianz General Insurance Company
11.4 Direct Line Insurance Group plc
11.5 Esure Group plc
11.6 Lemonade, Inc
11.7 Liberty Mutual Insurance Company
11.8 The Progressive Corporation
11.9 State Farm Mutual Automobile Insurance Company
11.10 Zurich Insurance Group

電気自動車保険市場の2030年までの予測： 推進力タイプ別、車両タイプ別、補償タイプ別、車両年齢別、地域別の世界分析

Electric Vehicle Insurance Market Forecasts to 2030 - Global Analysis By Propulsion Type, Vehicle Type, Coverage Type, Vehicle Age and By Geography

COVID-19の影響：

最大のシェアを占める地域：

CAGRが最も高い地域：

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目次

第1章 エグゼクティブサマリー

第2章 序文

第3章 市場動向分析

第4章 ポーターのファイブフォース分析

第5章 世界の電気自動車（EV）保険市場：推進力タイプ別

第6章 世界の電気自動車（EV）保険市場：車両タイプ別

第7章 世界の電気自動車（EV）保険市場：補償タイプ別

第8章 世界の電気自動車（EV）保険市場：車両年齢別

第9章 世界の電気自動車（EV）保険市場：地域別

第10章 主な発展

第11章 企業プロファイリング