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市場調查報告書
商品編碼
1887079
一般保險市場規模、佔有率、成長及全球產業分析:按類型、應用和地區劃分的洞察,以及2024-2032年預測Property and Casualty Insurance Market Size, Share, Growth and Global Industry Analysis By Type & Application, Regional Insights and Forecast to 2024-2032 |
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隨著氣候風險、監理架構和數位轉型重塑全球保險業,全球一般保險市場持續穩定擴張。根據2024年產業估值,預計2024年一般保險市場規模將達到18778.8億美元,2025年將增至19205.6億美元,2026年將達到21000億美元,到2032年將達到25714.1億美元。預計2025年至2032年期間的複合年增長率(CAGR)為4.26%。北美地區到2024年將佔43.99%的市場佔有率,這主要得益於較高的保險意識、龐大的車輛保有量和較高的房屋保險滲透率。
市場趨勢與成長驅動因素
財產和意外保險(P&C)行業包括汽車保險、住宅和商業財產保險、租屋者保險、船舶保險以及其他非人壽保險領域。市場擴張的驅動因素包括氣候相關風險、都市化進程加快、政府強制保險政策、消費者金融素養的提升。 State Farm、PICC、波克夏、安聯和倫敦勞合社等全球主要保險公司正透過合作、數位化通路和技術驅動的核保解決方案不斷拓展業務。
氣候變遷仍是市場需求最強的驅動因素之一。野火、風暴和洪水等自然災害的增加提高了人們的風險管理意識,並強化了對綜合財產保險的需求。政府監管改革也在影響這一領域。例如,印度擬議的2024年綜合許可證制度旨在將人壽保險、健康保險和非人壽保險服務整合到一個框架下,從而擴大消費者的保險覆蓋範圍。
市場趨勢:數位化、氣候風險建模和保險科技的成長
數位轉型是非人壽保險業的決定性趨勢。人工智慧驅動的承保、預測性風險建模、自動化理賠處理以及用於即時監控的物聯網感測器集成,正在從根本上改變保險業務的營運基礎。隨著保險公司不斷改進模型以適應不可預測的天氣模式,氣候風險分析變得至關重要。
保險科技平台和線上保險市場的快速成長正在擴大保險的覆蓋範圍。數位化管道能夠實現更順暢的理賠流程、透明的定價、即時的產品比較以及更佳的客戶體驗,使保險對更年輕、更注重科技的一代更具吸引力。
市場限制與機會
保險費的上漲,尤其是非壽險產品的保費上漲,可能會限製成本敏感市場的成長。歐洲和北美等成熟市場由於長期較高的保險滲透率和完善的監管體系,正面臨市場飽和的情況。然而,印度、印尼、巴西和越南等新興市場由於快速的數位化進程、不斷增長的中產階級收入以及日益擴大的房地產所有權,蘊藏著巨大的發展機會。
商業不動產的擴張也是重要的機會領域。倉庫、半導體製造、資料中心、科研實驗室、電動車充電站和垂直農場的成長正在推動對客製化商業房地產保險的需求。電子商務和物流基礎設施的快速發展也推動了發展中國家對保險資產的需求。
依保險類型劃分
到2024年,汽車保險將佔43%的市場佔有率,引領市場。這一成長主要得益於全球汽車銷售、旅遊服務以及監管要求。叫車和外送服務的快速擴張也推動了需求成長。
受發展中國家對工業設施和房地產的大量投資推動,商業財產保險預計將成長最快。
依通路劃分
受消費者信任和高效理賠流程的推動,間接通路(包括經紀人、代理人、銀行和零售合作夥伴)在2024年佔最大的市場佔有率。預計到2032年,該細分市場將以4.05%的複合年增長率成長。
受Policybazaar等用戶友善數位平台的推動,包括線上平台在內的直接管道正在快速擴張,預計到2025年將佔43%的市場佔有率。
依最終使用者劃分
受可支配收入增加、保險意識提高以及房屋和汽車擁有率上升的推動,個人客戶在2024年將佔56.5%的市場佔有率。
受商業和工業資產擴張的推動,企業保險業務預計將以 4.60% 的複合年增長率 (CAGR) 實現最快成長。
區域概覽
北美 - 最大市場
北美市場受益於高價值房地產、成熟的保險網絡和廣泛的汽車保有量,預計到 2024 年市場規模將達到 8,264 億美元。光是美國預計到 2025 年就將達到 7,330.3 億美元。
歐洲 - 監理合規性強
受氣候適應型政策、汽車保有量成長以及德國、法國和英國較高的保險滲透率的支撐,預計到 2025 年,歐洲市場規模將達到 3520.5 億美元。
亞太地區-成長最快的地區
預計到2025年,亞太地區的保險市場規模將達到5,310.2億美元,主要得益於收入水準的提高、數位保險平台的興起、基礎設施的擴建以及監管架構的完善。光是中國市場預計到2025年就將達到2,672.7億美元。
南美洲、中東和非洲
預計2025年,南美洲的保險市場規模將達到1,102.9億美元。同時,海灣合作委員會(GCC)的保險市場規模預計將達到308.2億美元,主要得益於經濟成長、產業擴張以及強制保險政策的實施。
The global property and casualty (P&C) insurance market is witnessing steady expansion as climate risks, regulatory frameworks, and digital transformation reshape the global insurance landscape. As per the 2024 industry assessment, the P&C insurance market was valued at USD 1,877.88 billion in 2024, is expected to rise to USD 1,920.56 billion in 2025, and reach USD 2,571.41 billion by 2032, expanding at a CAGR of 4.26% throughout 2025-2032. North America held the dominant market share of 43.99% in 2024, backed by high insurance awareness, large vehicle ownership, and strong home insurance penetration.
Market Insights and Growth Drivers
The P&C insurance sector includes vehicle insurance, residential and commercial property insurance, renters insurance, marine coverage, and other non-life segments. Market expansion is driven by climate-related risks, rising urbanization, government-imposed insurance mandates, and increased financial literacy among consumers. Major global players-including State Farm, PICC, Berkshire Hathaway, Allianz, and Lloyd's of London-continue expanding through partnerships, digital channels, and technology-driven underwriting solutions.
Climate change remains among the strongest drivers of market demand. The rise in natural disasters, such as wildfires, storms, and floods, has heightened awareness around risk management and intensified the need for comprehensive property insurance. Government regulatory reforms are also shaping the sector; for example, India's proposal for composite licenses in 2024 aims to combine life, health, and general insurance services under a single framework, widening access for consumers.
Market Trends: Digitalization, Climate Risk Modeling & Insurtech Growth
Digital transformation is a defining trend in the P&C insurance landscape. AI-powered underwriting, predictive risk modeling, automated claims processing, and the integration of IoT sensors for real-time monitoring are fundamentally altering operations. Climate risk analytics are becoming essential as insurers refine their models to adapt to unpredictable weather patterns.
The rapid growth of insurtech platforms and online insurance marketplaces has widened accessibility. Digital channels enable smoother claims, transparent pricing, instant policy comparison, and improved customer experience-making insurance more appealing to younger, tech-driven demographics.
Market Restraints and Opportunities
Premium increases, especially across non-life products, can restrain growth in cost-sensitive markets. Mature markets such as Europe and North America face saturation due to long-standing insurance penetration and established regulatory structures. However, emerging markets-including India, Indonesia, Brazil, and Vietnam-present strong opportunities because of rapid digitalization, rising middle-class incomes, and increased property ownership.
Commercial real estate expansion is another strong opportunity segment. Growth in warehousing, semiconductor manufacturing, data centers, science labs, electric vehicle charging hubs, and vertical farms is boosting demand for tailored commercial property insurance. The surge in e-commerce and logistics infrastructure has expanded the need for insurable assets across developing economies.
By Insurance Type
Vehicle insurance led the market in 2024 with a 43% share, supported by global vehicle sales, mobility services, and regulatory mandates. Rapid expansion of ride-hailing and delivery services also fuels demand.
Commercial property insurance is expected to grow fastest as developing countries invest heavily in industrial facilities and real estate.
By Distribution Channel
Indirect distribution channels-including brokers, agents, banks, and retail partners-held the largest share in 2024 due to consumer trust and efficient claim handling. This segment is projected to grow at 4.05% CAGR through 2032.
Direct channels, including online platforms, are expanding rapidly and are expected to hold 43% share in 2025 driven by user-friendly digital platforms such as Policybazaar.
By End User
Individuals dominated with 56.5% share in 2024, driven by rising disposable incomes, growing insurance awareness, and increasing home and vehicle ownership.
The business segment is projected to grow fastest at 4.60% CAGR due to expanding commercial and industrial assets.
Regional Overview
North America - Largest Market
North America generated USD 826.40 billion in 2024, driven by high-value real estate, established insurance networks, and widespread vehicle ownership. The U.S. alone is projected to reach USD 733.03 billion in 2025.
Europe - Strong Regulatory Compliance
Europe is expected to reach USD 352.05 billion in 2025, supported by climate-resilient policies, a growing automotive fleet, and strong insurance adoption across Germany, France, and the U.K.
Asia Pacific - Fastest Growing Region
Asia Pacific is forecasted to reach USD 531.02 billion in 2025, fueled by rising income levels, digital insurance platforms, infrastructure expansion, and strengthening regulatory frameworks. China's market alone will reach USD 267.27 billion in 2025.
South America & Middle East-Africa
South America will reach USD 110.29 billion in 2025, while GCC countries are expected to hit USD 30.82 billion, supported by economic growth, industrial expansion, and mandatory insurance policies.
Conclusion
With market value rising from USD 1,877.88 billion in 2024 to USD 2,571.41 billion by 2032, the global P&C insurance market is set for stable long-term expansion. Digitalization, climate adaptation, regulatory reforms, and rising global asset ownership will continue driving growth across all regions.
Segmentation By Insurance Type
By Distribution Channel
By End User
By Region
Companies Profiled in the Report State Farm (U.S.), PICC (China), Berkshire Hathway Inc. (U.S.), Allianz SE (Germany), Lloyd's of London (U.K), AXA (France), Progressive (U.S.), Allstate (U.S.), Ping An Insurance (China), Liberty Mutual (U.S.)