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市場調查報告書
商品編碼
2147088
摩托車保險市場規模、佔有率、成長、全球產業分析、區域趨勢以及 2026 年至 2034 年的預測。Two Wheeler Insurance Market Size, Share, Growth and Global Industry Analysis, Regional Insights and Forecast to 2026-2034 |
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2025年全球機車保險市場規模為423億美元。預計該市場將從2026年的450.5億美元成長到2034年的744.4億美元,2026年至2034年的複合年成長率為6.5%。亞太地區在2025年佔據全球市場主導地位,市場佔有率達57.11%,這主要得益於該地區摩托車和踏板車車主數量眾多、強制性第三方責任責任險、配送車輛的增加以及數位保險平台的普及。
摩托車保險為摩托車、踏板車和輕型機踏車提供財務保障,涵蓋事故、竊盜、人身傷害責任、火災、自然災害和其他車輛相關風險。該市場包括人身傷害責任險、綜合摩托車保險、補充保險以及面向個人和商業騎手的各種車輛保障計劃。
機車保險市場趨勢
市場關鍵趨勢之一是互聯保險和基於使用量的保險模式日益普及。這些產品允許根據里程、駕駛行為、車輛使用情況和風險等級來設定保費。此類模式能夠實現更個人化的保費,獎勵安全駕駛員,並使保險公司能夠加強詐欺偵測和理賠管理。
2025 年 1 月,安聯重點介紹了其互聯平台如何即時檢測摩托車事故,並啟動維修、路邊援助和保險索賠支援。
市場促進因素
市場促進因素包括摩托車保有量的成長和強制性責任險法規的實施。在新興經濟體,摩托車和踏板車仍然是經濟實惠的交通途徑,廣泛用於日常通勤、鄉村旅行和最後一公里配送。
2025 年 4 月,印度汽車製造商協會 (SIAM) 報告稱,2025 年 1 月至 3 月期間,印度共售出 4,567,762 輛摩托車,凸顯了該國龐大的投保車輛基數。
市場限制與挑戰
保險費和維修成本的上漲可能會阻礙市場擴張。零件價格上漲、人事費用增加、竊盜索賠以及事故維修費用上升都在推高保費,這可能導致對價格敏感的投保人選擇基本的人身傷害和財產損失責任險,而不是綜合保險。
保險詐騙和保險合規性不足也是重大挑戰。人為製造的事故、欺詐性索賠、無保險駕駛和虛假文件等問題導致保險賠償不斷增加,迫使保險公司投資於人工智慧驅動的詐欺檢測、維修店檢驗以及更強大的風險評估系統。
市場機遇
數位保險和嵌入式保險模式的擴展帶來了巨大的機會。線上報價、即時出單、基於應用程式的更新以及經銷商整合的保險服務可以簡化保險購買流程,並提高保險的可及性。
這些管道對都市區的年輕消費者和積極使用數位科技的騎乘者尤其具有吸引力。保險公司還可以與汽車製造商、經銷商、金融公司和數位平台合作,將保險與車輛購買和融資捆綁在一起。
就二輪車類型而言,到2025年,摩托車將憑藉其龐大的車主數量和廣泛的用途(包括通勤、本地交通途徑和商業配送)佔據市場主導地位。踏板車市場預計將以7.6%的複合年成長率成長。
按分銷通路分類,中間商銷售佔據市場主導地位,代理商、仲介、經銷商、銀行、OEM合作夥伴和聚合商均是其重要組成部分。預計直銷將以7.9%的複合年成長率成長。
以保險合約期限分類,短期合約主導市場,因為年度續保較為普遍。預計長期合約的複合年成長率將更高,達到9.7%。
按最終用戶分類,個人用戶佔比最大,但商業領域預計將以 8.4% 的複合年成長率成長。
亞太地區引領市場,預計到 2025 年市場規模將達 241.6 億美元。印度市場規模達 65.1 億美元,中國市場規模在 2025 年將達 53 億美元。
在強制汽車責任責任險和電動摩托車日益普及的推動下,預計到 2026 年,歐洲市場規模將達到 98.7 億美元。 2025 年,德國市場規模為 20.2 億美元,法國市場規模為 18.2 億美元。
預計到 2025 年,美國市場規模將達到 33.2 億美元,主要得益於休閒摩托車擁有量、防盜措施和保險滲透率的提高。
預計南美市場將主要由巴西推動成長,而中東和非洲地區的需求預計將受到都市化、摩托車計程車活動、送貨車輛增加以及數位保險普及的支撐。
The global two-wheeler insurance market size was valued at USD 42.30 billion in 2025. The market is projected to grow from USD 45.05 billion in 2026 to USD 74.44 billion by 2034, exhibiting a CAGR of 6.5% during 2026-2034. Asia Pacific dominated the global market with a 57.11% share in 2025, supported by high motorcycle and scooter ownership, mandatory third-party insurance requirements, growing delivery fleets, and wider adoption of digital insurance platforms.
Two-wheeler insurance provides financial protection for motorcycles, scooters, and mopeds against accidents, theft, third-party liability, fire, natural disasters, and other vehicle-related risks. The market includes third-party liability policies, comprehensive bike insurance, add-on covers, and broader vehicle protection plans for personal and commercial riders.
Two-Wheeler Insurance Market Trends
A major market trend is the growing adoption of connected and usage-based insurance models. These products can price policies according to distance travelled, riding behavior, vehicle usage, and risk exposure. Such models can improve premium personalization, reward safer riders, and help insurers strengthen fraud detection and claims management.
In January 2025, Allianz highlighted how connected platforms can detect motor incidents in real time and initiate repair, assistance, and claims support.
Market Drivers
The key market driver is rising two-wheeler ownership combined with mandatory liability insurance regulations. Motorcycles and scooters remain affordable transportation options across emerging economies and are widely used for daily commuting, rural mobility, and last-mile delivery.
In April 2025, SIAM reported sales of 4,567,762 two-wheelers during January-March 2025 in India, underlining the country's large insurable vehicle base.
Market Restraints and Challenges
Rising insurance premiums and repair costs may restrict market expansion. Higher spare part prices, labor expenses, theft claims, and accident repair costs can push premiums upward, encouraging price-sensitive riders to select only basic third-party policies instead of comprehensive coverage.
Fraud and weak insurance compliance are also major challenges. Staged accidents, manipulated damage claims, uninsured riding, and false documentation increase claim expenses and force insurers to invest in AI-based fraud detection, garage verification, and stronger risk assessment systems.
Market Opportunities
The expansion of digital and embedded insurance models provides substantial opportunities. Online quotations, instant issuance, app-based renewals, and dealer-linked insurance can simplify policy purchases and improve access.
These channels are particularly attractive for young urban consumers and digitally active riders. Insurers can also partner with OEMs, dealerships, financial companies, and digital platforms to bundle insurance with vehicle purchases and financing.
By two-wheeler type, motorcycles dominated in 2025 due to their larger ownership base and broad use across commuting, rural transport, and commercial delivery. The scooters segment is projected to grow at a CAGR of 7.6%.
By distribution channel, intermediary sales dominated the market, supported by agents, brokers, dealerships, banks, OEM partners, and aggregators. Direct sales are expected to grow at a 7.9% CAGR.
By policy tenure, short-term policies led the market, reflecting the popularity of annual renewals. Long-term policies are projected to record a higher 9.7% CAGR.
By end user, personal users held the largest share, while the commercial segment is projected to grow at a CAGR of 8.4%.
Asia Pacific dominated the market with a value of USD 24.16 billion in 2025. India reached USD 6.51 billion, while China generated USD 5.30 billion in 2025.
Europe is projected to reach USD 9.87 billion in 2026, supported by compulsory motor insurance and increasing electric two-wheeler adoption. Germany was valued at USD 2.02 billion in 2025, while France reached USD 1.82 billion.
The U.S. market reached USD 3.32 billion in 2025, supported by recreational motorcycle ownership, theft coverage, and mature insurance penetration.
South America is expected to grow mainly through Brazil, while Middle East & Africa demand will be supported by urbanization, motorcycle taxi activity, delivery fleets, and expanding digital insurance access.
Competitive Landscape
Major companies include Allianz SE, AXA SA, Zurich Insurance Group, Aviva, MAPFRE, Generali Group, State Farm, GEICO, Progressive Corporation, Liberty Mutual, Allstate, Tokio Marine, Sompo Holdings, and MS&AD Insurance Group. Competition increasingly centers on digital distribution, faster claims processing, embedded insurance, telematics, pricing accuracy, and customer retention.
Key Industry Developments
In March 2026, Principal Insurance acquired Europa Group, strengthening its motorcycle insurance broking presence in the U.K. In December 2025, Ather Energy announced plans to enter auto insurance distribution in India. In August 2025, ICICI Lombard partnered with Mahindra Finance to distribute motor insurance products. In March 2025, PhonePe launched vehicle insurance comparison and purchase services through its app.
Conclusion
The two-wheeler insurance market is expected to grow from USD 42.30 billion in 2025 to USD 45.05 billion in 2026 and USD 74.44 billion by 2034, at a CAGR of 6.5% during 2026-2034. Growth will be supported by rising two-wheeler ownership, mandatory liability rules, delivery fleet expansion, digital insurance platforms, embedded distribution, and usage-based insurance models. However, rising repair costs, affordability pressure, fraud, and weak renewal compliance may restrain market growth. Asia Pacific is expected to retain its dominant position due to its large two-wheeler population and expanding insurance penetration.
Segmentation By Two-Wheeler Type, Distribution Channel, Policy Tenure, End User, and Region
By Two-Wheeler Type
By Distribution Channel
By Policy Tenure
By End User
By Region