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市場調查報告書
商品編碼
2009332
物聯網保險市場規模、佔有率、趨勢和預測:按保險類型、組件、應用和地區分類,2026-2034 年IoT Insurance Market Size, Share, Trends and Forecast by Insurance Type, Component, Application, and Region, 2026-2034 |
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2025年全球物聯網保險市場規模為624億美元。展望未來,IMARC Group預測,該市場將以26.88%的複合年成長率從2026年成長至2034年,到2034年達到5,635億美元。北美目前引領市場,預計到2025年將佔據超過36.7%的市場佔有率,這主要得益於遠端資訊處理技術、人工智慧驅動的風險評估、智慧家庭監控以及監管機構對數位保險解決方案的大力支持。
物聯網 (IoT) 設備在保險業的日益普及,透過實現即時數據收集,推動了物聯網保險市場的成長,從而助力風險評估、保費計算和理賠管理。保險公司正利用智慧家庭感測器、遠端資訊處理技術和穿戴式裝置來監控投保人的行為、檢測異常情況並減少詐欺。物聯網的應用增強了預測分析能力,使保險公司能夠提供個人化的保費方案和主動的風險管理。例如,Trigent Software 於 2024 年 9 月宣布推出物聯網服務,旨在透過客製化解決方案提升效率和創新能力,從而改變保險業。預計到 2029 年,物聯網保險市場規模將達到 767.3 億美元。隨著汽車、健康和住宅保險等領域對基於使用量的保險 (UBI) 和即時監控的需求不斷成長,物聯網的採用正在改變傳統的保險模式,提高營運效率並降低整體損失率。
在美國,物聯網保險市場正蓬勃發展,這得益於互聯技術的廣泛應用、監管機構的支持以及保險公司和投資者之間的密切合作。大型保險公司正在將遠端資訊處理技術整合到汽車保險中,利用即時駕駛數據根據使用情況設定保費,這也是物聯網保險市場的另一個關鍵趨勢。智慧家庭感測器透過及早發現風險來預防損失,從而增強了財產和產物保險的保障。醫療保健公司正在使用穿戴式裝置來客製化符合個人需求的保險方案。 Allstate、Progressive 和 State Farm 等主要企業正在投資基於物聯網的風險評估和詐欺檢測技術。例如,2024 年 1 月,Lightsmith Group主導了對人工智慧保險公司 Parsyl 的 2,000 萬美元 C 輪融資。 Parsyl 致力於增強全球貨運應對氣候變遷的能力,並為食品、飲料和藥品供應鏈提供保險。憑藉其成熟的技術生態系統和數據驅動的方法,美國正引領全球物聯網保險行業的趨勢,並有助於提高承保準確性和客戶參與。
專注於降低風險
推動該市場成長的主要因素之一是人們越來越重視透過數據分析來降低風險。物聯網設備,例如聯網汽車、穿戴式健身追蹤器和智慧家庭感測器,提供了大量數據,保險公司可以利用這些數據來評估和管理風險。例如,全球連網物聯網設備的數量已從130億台增加到188億台。此外,收集和分析這些即時數據使保險公司能夠深入了解客戶行為、駕駛習慣和生活方式選擇。因此,保險公司可以更準確地設定保費,提供個人化的保險保障,並鼓勵投保人採取更安全的駕駛行為。透過車輛中的物聯網設備監控駕駛行為,可以追蹤速度、加速度和煞車等細節。這些資訊使保險公司能夠為安全駕駛員提供折扣,並擴大基本客群。此外,保險公司可以及早發現危險行為,並透過獎勵和指導鼓勵投保人改善駕駛習慣。因此,避免事故和保險索賠的可能性大大增加。
傳統保險業以外的發展
農業保險市場的成長主要得益於物聯網(IoT)在農業保險領域的應用。物聯網設備被廣泛用於收集作物生長、天氣模式和設備運作等數據,例如土壤感測器、氣象站和GPS追蹤器。以「天氣頻道」(The Weather Channel)應用程式為例,該應用程式利用天氣感測器報告天氣狀況,2020年月有效用戶超過5500萬,用戶可透過該應用程式查看最新的天氣資訊。這些數據使保險公司能夠更輕鬆地為農民提供客製化的保險方案,以應對乾旱、洪水或設備故障等風險。此外,企業為了了解自身資產(機械和車輛)及庫存狀況,也紛紛大量使用物聯網設備,為市場帶來了良好的前景。保險公司現在可以承保與這些資產相關的損壞、盜竊或收入損失。此外,他們還可以分析透過設備取得的數據,幫助客戶改善營運並降低風險。物聯網也將推動醫療保健領域新產品線的開發。保險公司將能夠與醫療保健機構合作,提供鼓勵被保險人養成健康生活方式的保險產品。穿戴式裝置和健康應用程式可以追蹤運動、飲食和睡眠模式,使保險公司能夠提供保費折扣和健康促進獎勵等福利。這反過來又推動了物聯網保險市場的需求。
汽車保險中的遠端資訊處理技術
遠端資訊處理技術的出現正在影響物聯網保險的發展,尤其是在汽車保險領域。根據美國全國保險監督官協會(NAIC)的數據,2021年全美汽車保險平均支出從2020年的1,046美元成長了1.4%,達到1,062美元。遠端資訊處理設備通常安裝在車輛上,用於收集駕駛行為和車輛性能數據。這些數據會被發送給保險公司,用於風險評估和向投保人提供回饋。同時,遠端資訊處理技術還可以監控超速、急煞車和加速模式等行為,幫助保險公司辨識危險駕駛行為。此外,遠端資訊處理技術還能幫助揭示事故發生時的關鍵訊息,例如碰撞發生前的情況。這些資訊有助於加速理賠流程,使保險公司能夠更深入地了解事故原因,從而實現更準確的理賠評估。最終,保險公司可以迅速確定事故責任方,並確保及時向被保險人支付賠償金。這些數據也可用於準確重建事故現場,協助調查人員進行事故調查和理賠評估。此外,從遠端資訊處理系統取得的數據也有助於保險公司確定被保險人是否對事故負有責任。
The global IoT insurance market size was valued at USD 62.4 Billion in 2025. Looking forward, IMARC Group estimates the market to reach USD 563.5 Billion by 2034, exhibiting a CAGR of 26.88% during 2026-2034. North America currently dominates the market, holding a significant market share of over 36.7% in 2025, driven by telematics adoption, AI-driven risk assessment, smart home monitoring, and strong regulatory support for digital insurance solutions.
The increasing integration of Internet of Things (IoT) devices in insurance is driving the IoT insurance market growth by enabling real-time data collection for risk assessment, pricing, and claims management. Insurers leverage smart home sensors, telematics, and wearable devices to monitor policyholder behavior, detect anomalies, and reduce fraud. The use of IoT enhances predictive analytics, allowing insurers to offer personalized premiums and proactive risk prevention. For instance, in September 2024, Trigent Software announced the launch of IoT services to transform insurance with tailored solutions, enhancing efficiency and innovation. The IoT insurance market is projected to reach USD 76.73 billion by 2029. With the rising demand for usage-based insurance (UBI) and real-time monitoring in sectors like auto, health, and home insurance, IoT adoption is transforming traditional insurance models, improving operational efficiency, and reducing overall loss ratios.
The U.S. is advancing the IoT insurance market through widespread adoption of connected technologies, regulatory support, and strong insurer-investor collaborations. Major insurers integrate telematics for auto insurance, using real-time driving data for usage-based pricing, which also represents one of the key IoT insurance market trends. Smart home sensors enhance property insurance by preventing losses through early hazard detection. Health insurers leverage wearable devices for personalized policy adjustments. Leading U.S. firms, including Allstate, Progressive, and State Farm, invest in IoT-driven risk assessment and fraud detection. For instance, in January 2024, Lightsmith Group led a $20 million Series C investment in Parsyl, an AI-powered insurer enhancing climate resilience in global cargo. Parsyl insures food, beverage, and pharmaceutical supply chains. With a well-established tech ecosystem and data-driven approach, the U.S. is shaping the global IoT insurance landscape, improving underwriting accuracy and customer engagement.
Focus On Risk Mitigation
One of the major factors contributing to the growth of this market is the increasing emphasis on risk mitigation with the application of data analytics. IoT devices such as connected vehicles, wearable fitness trackers, and smart home sensors provide an abundance of data that insurers can use to evaluate and manage those risks. For instance, number of connected IoT devices has grown 13 to 18.8 Billion globally. Also, with this real-time data collection and analytics, insurance companies will obtain deep insights about customer behaviors, driving habits, and lifestyle choices. Consequently, insurers can price their policies more accurately, provide personalized coverage, and encourage safer practices among their policyholders. By monitoring driving behavior via IoT devices in vehicles, details such as speed, acceleration, and braking behavior are tracked. This information allows the insurer to grant discounts to safe drivers, building a larger customer pool. In addition, insurers can be on the lookout for risky behavior and advise their policyholders with incentives or guidance to modify their habits, consequently enhancing the probability of avoiding accidents and claims.
Expansion Beyond Traditional Insurance Lines
This market growth is attributed to the advent of IoT in agricultural insurance. IoT devices are widely employed to collect data regarding crop conditions, weather patterns, and equipment functioning. Soil sensors, weather stations, and GPS trackers are a few examples. For instance, The Weather Channel app that uses weather sensors to report the condition, had over 55 Million monthly active users in 2020 to see the weather update. Such data can facilitate the offering of customized policies by insurers pertaining to farmers against perils such as drought, flood, or equipment breakdown. Besides, widespread adoption of IoT devices by businesses that want to keep track of the state of their assets-the machinery and vehicles-and inventory- provides a good outlook for the market. The insurers can now write policies to cover damage, theft, or loss of income related to such assets. In addition to that, they can also help the client improve their operations and reduce risks through analyzing the data acquired through their devices. Also, IoT will drive the creation of a new set of products in insurance for the healthcare sector. Insurers could team up with healthcare providers to offer policies that reward healthy behavior from policyholders. Wearables and health apps can track exercising, dieting, and sleeping patterns, thereby enabling insurers to promote rewards like premium discounts or wellness rewards. This, in turn, is facilitating the IoT insurance market demand.
Telematics in Automobile Insurance
The advent of telematics technology is influencing the growth of IoT insurance, particularly in the automobile insurance sector. According to the National Association of Insurance Commissioners, the countrywide average auto insurance expenditure increased 1.4 percent to USD 1,062 in 2021 from USD 1,046 in 2020. Telematics devices, usually fitted into the vehicle, collect data on driving behavior and vehicle performance. This data is sent to insurers for assessing risk and providing the policyholder with feedback. Simultaneously, telematics can monitor behavior related to speeding, harsh braking, and acceleration patterns so that insurers can recognize these risky behaviors. Furthermore, telematics can also help find key facts regarding the situation of an accident: what happened before the crash? Such information might expedite the claims process and provide the insurers with much greater insight into the causation of accidents so that claim assessments can be properly done. Thus, insurers can track down individuals responsible for the accidents quickly and ensure fast payments are made to the policyholders. Data can also be used for accurate accident reconstruction, aiding investigators with the accident and the claims assessment. Lastly, telemetrically-derived data might help insurers determine whether or not the policyholder contributed to the accident.
Property and casualty insurance stand as the largest insurance type in 2025, driven by the increasing adoption of connected technologies for risk assessment and loss prevention. Insurers are leveraging IoT-enabled devices such as telematics in auto insurance, smart home sensors for property protection, and industrial IoT solutions to monitor commercial assets. These technologies enhance underwriting accuracy, enable proactive risk mitigation, and streamline claims processing. Additionally, the growing impact of climate change-related events, including wildfires, floods, and hurricanes, has fueled demand for IoT-based predictive analytics in catastrophe risk management. With real-time data integration and AI-powered analytics, IoT continues to transform P&C insurance, making it the largest and most rapidly evolving segment in 2024.
Solution leads the market with around 67.5% of the IoT insurance market share in 2025. This leadership is driven by the growing adoption of connected technologies for risk assessment, underwriting, and claims management. Insurers increasingly implement IoT-driven platforms, telematics, smart home monitoring systems, and AI-powered analytics to enhance operational efficiency and customer experience. These solutions enable real-time data collection, predictive analytics, and automated claims processing, reducing fraud and improving accuracy. The rise of usage-based insurance (UBI) in auto and health sectors further supports the dominance of IoT solutions. Additionally, the integration of blockchain and cloud computing in insurance ecosystems is strengthening cybersecurity and data transparency, reinforcing the market's reliance on advanced IoT-based insurance solutions in 2024.
Automotive leads the market with around 65.4% of market share in 2025. The rapid adoption of telematics-based insurance policies, such as usage-based insurance (UBI) and pay-as-you-drive (PAYD) models, is driving growth. Insurers leverage IoT-enabled devices, GPS tracking, and in-vehicle sensors to assess driving behavior, optimize premium pricing, and enhance road safety. The increasing penetration of connected and autonomous vehicles further fuels demand for real-time risk monitoring and claims automation. Additionally, regulatory support for road safety and vehicle data standardization is encouraging insurers to integrate IoT technologies. As automotive insurers focus on digital transformation and AI-driven analytics, IoT continues to reshape risk assessment and policy customization in 2024.
In 2025, North America accounted for the largest market share of over 36.7%. The region's dominance is driven by the widespread adoption of connected technologies, strong regulatory support, and the presence of leading insurers leveraging IoT for risk assessment and policy customization. The growing adoption of telematics in auto insurance, smart home monitoring systems, and AI-powered analytics in underwriting has fueled market expansion. Additionally, increasing climate-related risks, including hurricanes and wildfires, have accelerated the demand for IoT-driven predictive analytics in property insurance. With major players such as Allstate, Progressive, and State Farm investing in digital transformation and real-time data analytics, North America continues to lead in IoT insurance innovation.
UNITED STATES IOT INSURANCE MARKET ANALYSIS
US accounts for 80.50% share of the market in North America. The growing IoT insurance adoption due to growing use of IoT devices by businesses to monitor the condition of their assets is a major factor driving market expansion. Businesses are increasingly integrating IoT-enabled sensors and predictive analytics to assess real-time risks and optimize operational efficiency. For instance, by the end of 2024, the number of IoT devices across the globe is expected to exceed 17 Billion , with 5.4 Billion In North America alone. This adoption is particularly prominent in industries such as manufacturing, logistics, and retail, where asset tracking and risk prevention play crucial roles. The ability to reduce claim costs and improve underwriting accuracy has encouraged insurers to offer customized policies based on real-time data. Companies are leveraging telematics, connected machinery, and smart surveillance systems to monitor risks associated with workplace safety, machinery maintenance, and supply chain disruptions. The integration of IoT devices has also enabled insurance providers to transition from traditional risk assessment models to proactive risk prevention strategies, enhancing customer engagement and reducing fraudulent claims. The adoption of predictive maintenance tools in industrial settings is further boosting the demand for IoT insurance. Additionally, regulatory frameworks supporting data-driven risk management solutions are fostering market growth.
ASIA PACIFIC IOT INSURANCE MARKET ANALYSIS
The growing IoT insurance adoption due to growing demand of life and health insurance in Asia-Pacific is significantly influencing market expansion. According to India Brand Equity Foundation, India is the fifth largest life insurance market in the world's emerging insurance markets, growing at a rate of 32-34% each year. The increasing prevalence of connected health devices, wearable fitness trackers, and smart home monitoring systems is driving insurers to provide policies that reward policyholders for maintaining healthy lifestyles. The region's rising middle-class population and urbanization trends are accelerating the demand for personalized health coverage, with insurers leveraging IoT-enabled diagnostics and remote patient monitoring for dynamic policy adjustments. The adoption of IoT-based underwriting tools is enhancing risk assessment capabilities, allowing insurers to develop preventive healthcare solutions. The increasing use of telemedicine and AI-driven predictive analytics in health insurance is improving claims processing and fraud detection, contributing to market growth. Additionally, the growing elderly population in countries such as Japan and China are driving demand for IoT-enabled health monitoring solutions that provide real-time data to insurers, enabling them to tailor policies accordingly.
EUROPE IOT INSURANCE MARKET ANALYSIS
The growing IoT insurance adoption due to growing automobile insurance sector due to growing vehicle ownership in Europe is accelerating market growth. According to the International Council on Clean Transportation, about 10.6 Million new cars were registered in the 27 Member States in 2023, 14% more than in 2022. With the rising number of connected vehicles, insurers are increasingly utilizing telematics and usage-based insurance models to offer personalized premium rates. The demand for real-time vehicle tracking and driver behavior analysis is prompting insurance providers to integrate IoT sensors into vehicles, allowing them to monitor factors such as speed, braking patterns, and mileage. The increasing consumer preference for pay-as-you-drive and pay-how-you-drive insurance policies is reshaping the auto insurance landscape, encouraging greater adoption of IoT-driven solutions. The rapid development of autonomous and electric vehicles is also fueling demand for IoT-enabled insurance models that assess risk based on real-time vehicle performance data. Insurers are leveraging AI-powered analytics and predictive maintenance alerts to enhance claim processing efficiency and fraud detection. Additionally, stringent regulatory mandates across Europe are promoting the implementation of IoT-based vehicle safety systems, further driving the expansion of IoT insurance in the automotive sector.
LATIN AMERICA IOT INSURANCE MARKET ANALYSIS
The growing IoT insurance adoption due to growing agriculture sector in Latin America is shaping new risk management models for farmers and agribusinesses. For instance, annual crop production area in Brazil occupies 69 Million ha. The increasing use of IoT-enabled sensors, smart irrigation systems, and weather monitoring devices is enabling insurers to offer data-driven policies that assess crop health, soil moisture levels, and climate risks. Farmers are adopting IoT solutions to optimize resource allocation and prevent losses from unpredictable weather conditions, which is increasing the demand for customized insurance coverage. The expansion of precision agriculture practices, supported by IoT-powered analytics, is enhancing the accuracy of risk assessments, allowing insurers to provide tailored coverage based on real-time environmental data. Insurers are collaborating with agritech companies to develop parametric insurance models that automate claim payouts based on predefined environmental triggers.
MIDDLE EAST AND AFRICA IOT INSURANCE MARKET ANALYSIS
The growing IoT insurance adoption due to growing investments in commercial and residential buildings in Middle East and Africa is driving demand for smart risk management solutions. For instance, in 2023, foreign investors accounted for 45% of total commercial property transactions in Dubai. The integration of IoT-enabled security systems, energy management devices, and predictive maintenance tools in buildings is enhancing insurers' ability to assess structural risks and optimize policy pricing. The increasing adoption of smart building technologies is allowing insurers to offer real-time risk mitigation strategies, reducing claims related to fire, water damage, and structural failures. Insurers are leveraging IoT data to enhance underwriting accuracy and provide customized coverage based on occupancy patterns and building usage. Additionally, the rising focus on sustainable construction and energy-efficient buildings is promoting the adoption of IoT-driven insurance models that monitor environmental impact and operational efficiency.
The IoT insurance market is highly competitive, with key players leveraging connected technologies for risk assessment and personalized pricing. Leading insurers, smart home sensors, and wearables to enhance underwriting accuracy and claims efficiency. Insurtech firms like Lemonade and Root Insurance disrupt traditional models with AI-driven, IoT-based policies. Strategic partnerships between insurers and tech providers, including IoT device manufacturers and data analytics firms, drive innovation. With rising investments in predictive analytics and real-time monitoring, competition intensifies as companies seek to differentiate through customized policies and superior customer engagement. For instance, in February 2025, a survey by Economist Impact and SAS found that 78% of insurance executives see closing the $1.8 trillion protection gap as an ethical duty, with technology as the key solution.