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市場調查報告書
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2116616

美國保險科技：市場佔有率分析、產業趨勢與統計及成長預測（2026-2031）

United States Insurtech - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2026 - 2031)
出版日期: | 出版商: Mordor Intelligence | 英文 150 Pages | 商品交期: 2-3個工作天內

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簡介目錄

據 Mordor Intelligence 稱，2025 年美國保險科技市場價值 3,102 億美元，預計到 2031 年將達到 4,269.6 億美元，而 2026 年為 3,271.7 億美元，預測期（2026-2031 年）複合年成長率為 5.47%。

美國保險科技市場-IMG1

本報告經營模式（保險公司、賦能者、經銷商）、保險類型（人壽保險、產物保險）、銷售管道（直接面對消費者、仲介業者、嵌入式系統）和地區（南部、西部、中西部、東北部）進行細分。市場預測以美元計價。

美國保險科技市場的趨勢與洞察

對數據分析和人工智慧的需求

美國88%的汽車保險公司和70%的住宅保險公司已經實施或正在試用人工智慧工具，用於優先處理理賠和預防欺詐，這促使美國保險監管協會（NAIC）計劃在2024年成立「第三方數據和模型工作小組」。即時風險評估正在將報價到合約簽訂的周期從數週縮短到數分鐘，並提高承保準確性。企業保險公司正在尋求「基於代理」的人工智慧來應對日益複雜的理賠和勞動力短缺問題，力求將營運費用率控制在25%以下。然而，由於科羅拉多的演算法偏見法及類似立法，合規成本不斷增加，這使得擁有充足資金來審查其模型公平性的平台更具優勢。因此，在美國保險科技市場，那些能夠在保持預測準確性的同時展現可解釋性的公司備受青睞。

數位化優先的消費者購買行為

如今，行動端最佳化的客戶體驗正成為保險公司存在的意義。 40歲以下的投保人中，72%透過智慧型手機註冊新保單。基於遠端資訊處理技術的汽車保險能夠動態評估風險，隨著汽車保險費的上漲，以使用量計費的保險模式更具吸引力。車輛管理公司正在將GPS診斷數據與保險公司API整合，以實現即時保費協商，推動直銷通路轉型為自助服務模式。內建的結帳流程使零售商能夠一鍵捆綁行李和旅遊保險，從而降低高達60%的客戶獲取成本。這些變化正在改變客戶體驗的衡量標準，不再只關注價格，進一步強化了美國保險科技市場的數位化策略。

資料隱私與網路安全風險

Change Healthcare的資料外洩事件導致1億人的個人資訊洩露，凸顯了互聯保險理賠流程的漏洞。 Globe Life客戶入口網站也曾發生類似事件，導致加州消費者隱私法案迅速啟動監管審查，並可能面臨數百萬美元的罰款。日益嚴格的審查迫使保險科技公司實施零信任架構、多因素身份驗證和年度滲透測試，這些措施的成本可能高達其年度營運成本的10%。投資人對網路安全領域主導的公司依然持樂觀態度，但那些被認為在隱私保護方面落後的平台則被低估。

細分市場分析

到2025年，保險公司平台將佔據美國保險科技市場45.12%的佔有率，反映出資本實力和理賠基礎設施的重要性仍不容忽視。賦能型供應商雖然絕對收入較小，但其成長速度最快，複合年成長率高達5.74%，這表明低資本負擔的SaaS工具包正受到尋求快速現代化改造的現有企業的青睞。隨著API編配、低程式碼產品工廠和詐欺分析引擎成為必不可少的「即插即用」組件，預計到2031年，美國保險科技市場賦能型供應商的規模將從目前的約144億美元成長至超過201億美元。

戰略交易進一步推動了這一趨勢。 2025年3月，慕尼黑再保險公司宣布以26億美元收購Next Insurance，正式進軍全端保險業務。同時，Travelers透過收購Corvus進軍網路保險領域。這些措施模糊了保險公司和賦能者之間的界限，將重點轉移到客戶資料管理和承保演算法上。賦能者利用多租戶架構同時服務眾多保險公司，從而獲得更高的邊際利潤，並確立了自身在美國保險科技市場的重要合作夥伴地位。

其他好處：

  • Excel格式的市場預測（ME）表
  • 3個月的分析師支持

目錄

第1章：引言

  • 研究假設和市場定義
  • 調查範圍

第2章：調查方法

第3章執行摘要

第4章 市場狀況

  • 市場概覽
  • 市場促進因素
    • 對數據分析和人工智慧的需求
    • 數位化優先的消費者購買行為
    • 強制性監理沙箱和開放API
    • 透過開放銀行嵌入保險
    • 氣候風險參數產品
    • 基於使用量的定價（UBI/BBI）
  • 市場限制因素
    • 資料隱私和網路攻擊風險
    • 舊有系統整合成本
    • 精算科學和資料科學領域人才短缺
    • 對演算法偏見的審查
  • 價值供應鏈分析
  • 技術展望
  • 監理情勢
  • 資金籌措和投資趨勢
  • 保險科技對美國保險業的影響
  • 波特五力模型

第5章 市場規模與成長預測

  • 按經營模式
    • 職業
    • 賦能者
    • 銷售代理
  • 按保險類型
    • 人壽保險
    • 產物保險
  • 透過分銷管道
    • 直接向消費者銷售
    • 中間的
    • 嵌入式
  • 按地區
    • 南
    • 西方
    • 中西部
    • 東北

第6章 競爭情勢

  • 市場集中度
  • 策略趨勢
  • 市佔率分析
  • 公司簡介
    • Lemonade
    • Root Insurance
    • Hippo
    • Next Insurance
    • Metromile
    • Oscar Health
    • Bright Health
    • Clover Health
    • Gusto
    • Pie Insurance
    • Ethos Life
    • Kin Insurance
    • Clearcover
    • Branch Insurance
    • Insurify
    • Policygenius
    • Bold Penguin
    • Trov
    • Sidecar Health
    • American Well

第7章 市場機會與未來展望

簡介目錄
Product Code: 91402

According to Mordor Intelligence, the United States insurtech market size was valued at USD 310.2 billion in 2025 and estimated to grow from USD 327.17 billion in 2026 to reach USD 426.96 billion by 2031, at a CAGR of 5.47% during the forecast period (2026-2031).

United States Insurtech - Market - IMG1

This report is Segmented by Business Model (Carrier, Enabler, and Distributor), Insurance Line (Life Insurance, Non-Life Insurance), Distribution Channel (Direct To Consumer, Intermediate, and Embedded), and Region (South, West, Midwest, and Northeast). The Market Forecasts are Provided in Terms of Value (USD).

United States Insurtech Market Trends and Insights

Demand for Data Analytics & AI

88% of US auto insurers and 70% of home insurers already deploy or pilot AI tools for loss triage and fraud prevention, prompting the NAIC to form a Third-Party Data and Models Task Force in 2024. Real-time risk assessment compresses quote-to-bind cycles from weeks to minutes, sharpening underwriting precision. Commercial carriers seek "agentic" AI to cope with rising claim severity and talent shortages, targeting operational expense ratios below 25%. However, Colorado's algorithmic-bias statute and similar bills increase compliance costs, favoring well-capitalized platforms able to audit model fairness. The United States insurtech market, therefore, rewards firms that can prove explainability while sustaining predictive accuracy.

Digital-First Consumer Purchasing

Mobile-optimised journeys now dictate insurer relevance: policyholders under 40 finalise 72% of new covers on smartphones. Telematics-driven auto policies price risk dynamically, making usage-based insurance attractive as vehicle premiums rise. Fleet operators integrate GPS diagnostics with carrier APIs to negotiate real-time premiums, pushing direct-to-consumer channels toward self-service experiences. Embedded checkout flows let retailers bundle parcel protection or travel cover in a single click, reducing acquisition costs by as much as 60%. These shifts elevate customer-experience metrics above price alone and reinforce direct digital strategies within the United States insurtech market.

Data-Privacy & Cyber-Breach Risk

The Change Healthcare intrusion compromising 100 million individuals underscores the vulnerability of interconnected claims workflows. Similar incidents at Globe Life's customer portal prompted swift regulatory review under California's Consumer Privacy Act, highlighting the possibility of multimillion-dollar fines. Heightened scrutiny obliges insurtechs to implement zero-trust architectures, multi-factor authentication, and annual penetration testing that can absorb up to 10% of operating expenditure. Investor sentiment remains positive toward cyber-resilience leaders, but valuation discounts emerge for platforms perceived as lagging on privacy assurance.

Other drivers and restraints analyzed in the detailed report include:

  1. Regulatory Sandbox & Open-API Mandates
  2. Embedded-Insurance via Open Banking
  3. Legacy-System Integration Costs

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

Carrier platforms accounted for 45.12% of the United States insurtech market share in 2025, reflecting the enduring importance of capital strength and claims infrastructure. Enabler vendors, though smaller in absolute revenue, register the fastest progress with a 5.74% CAGR, suggesting that asset-light SaaS toolkits resonate with incumbents seeking rapid modernisation. The United States insurtech market size attributed to Enablers is projected to advance from roughly USD 14.4 billion today to more than USD 20.1 billion by 2031, as API orchestration, low-code product factories, and fraud analytics engines become plug-and-play essentials.

Strategic deals validate the trend: Munich Re entered full-stack operations by announcing a USD 2.6 billion purchase of Next Insurance in March 2025, while Travelers moved into cyber-specialty with its agreement to acquire Corvus. Such moves blur the carrier-enabler divide, shifting focus toward control of customer data and underwriting algorithms. Enablers leverage multi-tenant architecture to serve numerous carriers simultaneously, yielding superior marginal economics and positioning them as indispensable partners throughout the United States insurtech market.

Complete Report Scope:

  • By Business Model
    • Carrier
    • Enabler
    • Distributor
  • By Insurance Line
    • Life
    • Non-Life
  • By Distribution Channel
    • Direct to Consumer
    • Intermediate
    • Embedded
  • By Geography
    • South
    • West
    • Midwest
    • NorthEast

List of Companies Covered in this Report:

  1. Lemonade
  2. Root Insurance
  3. Hippo
  4. Next Insurance
  5. Metromile
  6. Oscar Health
  7. Bright Health
  8. Clover Health
  9. Gusto
  10. Pie Insurance
  11. Ethos Life
  12. Kin Insurance
  13. Clearcover
  14. Branch Insurance
  15. Insurify
  16. Policygenius
  17. Bold Penguin
  18. Trov
  19. Sidecar Health
  20. American Well

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 Introduction

  • 1.1 Study Assumptions & Market Definition
  • 1.2 Scope of the Study

2 Research Methodology

3 Executive Summary

4 Market Landscape

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Demand for data analytics & AI
    • 4.2.2 Digital-first consumer purchasing
    • 4.2.3 Regulatory sandbox & open-API mandates
    • 4.2.4 Embedded-insurance via open banking
    • 4.2.5 Climate-risk parametric products
    • 4.2.6 Usage-Based & Behavior-Based Pricing (UBI/BBI)
  • 4.3 Market Restraints
    • 4.3.1 Data-privacy & cyber-breach risk
    • 4.3.2 Legacy-system integration costs
    • 4.3.3 Actuarial data-science talent gap
    • 4.3.4 Scrutiny on algorithmic bias
  • 4.4 Value / Supply-Chain Analysis
  • 4.5 Technological Outlook
  • 4.6 Regulatory Landscape
  • 4.7 Funding & Investment Activity
  • 4.8 Impact of Insurtech on US Insurance Industry
  • 4.9 Porter's Five Forces
    • 4.9.1 Bargaining Power of Suppliers
    • 4.9.2 Bargaining Power of Buyers
    • 4.9.3 Threat of New Entrants
    • 4.9.4 Threat of Substitutes
    • 4.9.5 Competitive Rivalry

5 Market Size & Growth Forecasts

  • 5.1 By Business Model
    • 5.1.1 Carrier
    • 5.1.2 Enabler
    • 5.1.3 Distributor
  • 5.2 By Insurance Line
    • 5.2.1 Life
    • 5.2.2 Non-Life
  • 5.3 By Distribution Channel
    • 5.3.1 Direct to Consumer
    • 5.3.2 Intermediate
    • 5.3.3 Embedded
  • 5.4 By Geography
    • 5.4.1 South
    • 5.4.2 West
    • 5.4.3 Midwest
    • 5.4.4 NorthEast

6 Competitive Landscape

  • 6.1 Market Concentration
  • 6.2 Strategic Moves
  • 6.3 Market Share Analysis
  • 6.4 Company Profiles (includes Global level Overview, Market level overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share, Products & Services, Recent Developments)
    • 6.4.1 Lemonade
    • 6.4.2 Root Insurance
    • 6.4.3 Hippo
    • 6.4.4 Next Insurance
    • 6.4.5 Metromile
    • 6.4.6 Oscar Health
    • 6.4.7 Bright Health
    • 6.4.8 Clover Health
    • 6.4.9 Gusto
    • 6.4.10 Pie Insurance
    • 6.4.11 Ethos Life
    • 6.4.12 Kin Insurance
    • 6.4.13 Clearcover
    • 6.4.14 Branch Insurance
    • 6.4.15 Insurify
    • 6.4.16 Policygenius
    • 6.4.17 Bold Penguin
    • 6.4.18 Trov
    • 6.4.19 Sidecar Health
    • 6.4.20 American Well

7 Market Opportunities & Future Outlook

  • 7.1 White-space & Unmet-Need Assessment