物聯網保險市場規模、佔有率和成長分析（按類型、最終用戶、組件和地區分類）－2026-2033年產業預測

預計到 2024 年，物聯網保險市場規模將達到 632.8 億美元，到 2025 年將成長至 916.3 億美元，到 2033 年將成長至 17707.9 億美元，在預測期（2026-2033 年）內複合年成長率為 44.8%。

受保險公司對物聯網技術投資不斷增加的推動，物聯網保險市場正經歷強勁成長。這項技術創新能夠透過物聯網設備收集和共用關鍵數據，最大限度地減少數據重複，簡化理賠流程，從而提高組織效率和風險管理水平。保險公司受益於更有效率的理賠管理、更快速的風險評估和更低的處理成本。此外，透過物聯網設備累積的大量數據也有助於開發客製化的保險產品。該技術還有助於保險公司分析客戶的歷史趨勢、進行長期分析並累積關鍵訊息，從而實現更精準的保費計算。物聯網應用的日益普及正擴展到健康保險和海上保險等各個領域，進一步推動了市場的蓬勃發展。

全球物聯網保險市場按類型、最終用戶、組件和地區進行細分。按類型分類，可分為人壽保險、健康保險、農業保險、財產保險、產物保險和其他保險。依最終用戶分類，可分為汽車及交通運輸、旅遊、醫療保健、住宅及商業建築、企業、農業及家用電器。按組件分類，可分為解決方案和服務。依地區分類，可分為北美、歐洲、亞太、拉丁美洲以及中東和非洲。

物聯網保險市場促進因素

物聯網保險市場的發展動力源自於物聯網設備在車輛、住宅、商業建築和其他投保資產中的日益普及。這些設備會產生大量數據，而這些資訊使保險公司能夠更精準地評估個人風險。透過詳細的數據分析，保險公司可以根據客戶獨特的風險狀況客製化保險範圍和保費。這使得保險產品能夠更準確地反映投保人的實際風險敞口，從而在當今數據主導的環境中更具針對性和吸引力。

物聯網保險市場面臨的限制

由於物聯網設備收集、儲存和傳輸的資料具有高度敏感性，物聯網保險市場面臨許多挑戰。這些挑戰包括資料隱私、安全漏洞以及未授權存取等嚴重問題。保險公司必須遵守複雜的隱私法規，同時也要應對可能​​損害資料完整性的各種網路安全威脅。此外，維護消費者信任至關重要，這就要求保險公司採取強力的措施來保護物聯網資料並確保客戶資訊的機密性。應對這些挑戰對於保險公司建立安全的物聯網資料處理框架並贏得消費者信任至關重要。

物聯網保險市場趨勢

受物聯網技術進步的推動，物聯網保險市場正經歷著向使用者導向保險（UBI）模式的顯著轉變。保險公司擴大利用遠端資訊處理技術和連網設備來收集投保人的行為、駕駛模式和風險狀況等即時數據。這種數據驅動的方法能夠創造高度個人化的保單，反映的是個人的實際使用情況，而非籠統的估計值。因此，投保人可以受益於更公平的定價結構、更精準的風險評估以及與保險公司更深入的互動。這一趨勢標誌著保險解決方案正朝著利用物聯網能力的客製化方向發展，從而建立一個更有效率、以客戶為中心的保險環境。

目錄

介紹

• 調查目標
• 調查範圍
• 定義

調查方法

• 資訊收集
• 二手資料和一手資料方法
• 市場規模預測
• 市場假設與限制

執行摘要

• 全球市場展望
• 供需趨勢分析
• 細分市場機會分析

市場動態與展望

• 市場規模
• 市場動態
  • 促進因素和機遇
  • 限制與挑戰
• 波特分析及其影響

關鍵市場考察

• 關鍵成功因素
• 競爭程度
• 關鍵投資機會
• 市場生態系統
• 市場吸引力指數（2025）
• PESTEL 分析
• 總體經濟指標
• 價值鏈分析
• 定價分析
• 技術進步
• 監管環境
• 案例研究
• 貿易分析
• Start-Ups分析

物聯網保險市場規模（按類型分類）及複合年成長率（2026-2033 年）

• 人壽保險
• 健康保險
• 產物保險
• 責任險
• 農業保險
• 其他

物聯網保險市場規模（依最終用戶分類）及複合年成長率（2026-2033 年）

• 汽車與運輸
• 旅行
• 衛生保健
• 住宅及商業建築
• 公司
• 農業
• 家用電子產品

物聯網保險市場規模（按組成部分及複合年成長率分類）（2026-2033 年）

• 解決方案
  • 硬體
  • 軟體
• 服務

物聯網保險市場規模（按地區分類）及複合年成長率（2026-2033 年）

• 北美洲
  • 美國
  • 加拿大
• 歐洲
  • 英國
  • 德國
  • 西班牙
  • 法國
  • 義大利
  • 其他歐洲地區
• 亞太地區
  • 中國
  • 印度
  • 日本
  • 韓國
  • 亞太其他地區
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲地區
• 中東和非洲
  • 海灣合作理事會國家
  • 南非
  • 其他中東和非洲地區

競爭資訊

• 前五大公司對比
• 主要企業的市場定位（2025 年）
• 主要市場參與者所採取的策略
• 近期市場趨勢
• 公司市佔率分析（2025 年）
• 主要企業公司簡介
  • 公司詳情
  • 最終用戶投資組合分析
  • 依業務板塊進行公司股票分析
  • 2021-2023年營收年比比較

主要企業簡介

• Accenture（US）
• Amazon Web Services Inc.（US）
• Bosch Software Innovation GmbH（Germany）
• Cisco Systems Inc.（US）
• General Electric（US）
• Google Inc.（US）
• Hewlett-Packard Enterprise（US）
• Intel Corporation（US）
• International Business Machine（IBM）Corporation（US）
• Microsoft Corporation（US）
• Oracle Corporation（US）
• PTC Inc.（US）
• SAP SE（Germany）
• Synechron（US）
• Telit（England）
• Cognizant（US）
• Capgemini（US）
• Concirrus（US）
• Wipro Ltd.（US）

結論與建議

IoT Insurance Market size was valued at USD 63.28 Billion in 2024 and is poised to grow from USD 91.63 Billion in 2025 to USD 1770.79 Billion by 2033, growing at a CAGR of 44.8% during the forecast period (2026-2033).

The IoT insurance market is experiencing robust growth, propelled by insurance companies' heightened investment in IoT technology. This innovation facilitates the collection and sharing of critical data through IoT devices, enhancing organizational efficiency and improving risk management by minimizing data duplication and streamlining claims processes. Insurers benefit from improved claim management, rapid risk assessment, and reduced processing costs. Additionally, the accumulation of extensive data through IoT devices allows for the development of tailored insurance policies. This technology also enables insurers to leverage historical customer insights, long-term analytics, and vital information storage, facilitating precise premium calculations. The upward trend of IoT adoption extends to various sectors such as health and marine insurance, contributing to the market's dynamic expansion.

Top-down and bottom-up approaches were used to estimate and validate the size of the IoT Insurance market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

IoT Insurance Market Segments Analysis

GlobalIOT InsuranceMarket is segmented byType, End User,Componentand Region. Based onType, the market is segmented intoLife insurance, Health Insurance, Agricultural insurance, Property Insurance, Causality Insurance, Others.Based onEnd User, the market is segmented into Sub-Automotive and Transport, Travel, Healthcare, Home and Commercial Buildings, Businesses, Agriculture, Consumer Electronics.Based onComponent, the market is segmented intoSolution, Service. Based on Region, the market is segmented into North America, Europe, Asia Pacific, LatinAmerica and Middle East & and Africa.

Driver of the IoT Insurance Market

The IoT Insurance market is propelled by the increasing prevalence of IoT devices in vehicles, homes, commercial buildings, and other insured assets that produce significant data volumes. This wealth of information allows insurers to evaluate risks with greater precision at the individual level. Through detailed data analysis, insurance providers can customize coverage options and premium rates according to the unique risk profiles of their clients. This results in personalized insurance policies that more accurately mirror the actual risk exposure of policyholders, enhancing the relevance and appeal of insurance products in today's data-driven landscape.

Restraints in the IoT Insurance Market

The IoT insurance market faces significant challenges due to the sensitive nature of data collected, stored, and transmitted by IoT devices, which raises serious concerns regarding data privacy, security breaches, and the potential for unauthorized access. Insurers must navigate complex privacy regulations while also confronting various cybersecurity threats that could compromise data integrity. Additionally, maintaining consumer trust is crucial, necessitating the implementation of robust measures to safeguard IoT data and ensure the confidentiality of customer information. Addressing these issues is vital for insurers to establish a secure framework for IoT data handling and to foster confidence among consumers.

Market Trends of the IoT Insurance Market

The IoT Insurance market is witnessing a prominent shift towards User-Based Insurance (UBI) models, fueled by advancements in IoT technology. Insurers are increasingly utilizing telematics and connected devices to gather real-time data on policyholder behaviors, driving patterns, and risk profiles. This data-driven approach allows for the creation of highly personalized insurance policies that reflect individual usage rather than generalized estimates. As a result, policyholders benefit from more equitable pricing structures, enhanced risk assessments, and greater overall engagement with insurers. This trend signifies a transformative movement toward tailored insurance solutions that leverage IoT capabilities, fostering a more efficient and customer-centric insurance landscape.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Driver & Opportunities
  • Restraints & Challenges
• Porters Analysis & Impact
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2025
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis
• Technological Advancement
• Regulatory Landscape
• Case Studies
• Trade Analysis
• Startup Analysis

IOT Insurance Market Size by Type & CAGR (2026-2033)

• Market Overview
• Life Insurance
• Health Insurance
• Property Insurance
• Causality Insurance
• Agricultural Insurance
• Others

IOT Insurance Market Size by End User & CAGR (2026-2033)

• Market Overview
• Automotive and Transport
• Travel
• Healthcare
• Home and Commercial Buildings
• Businesses
• Agriculture
• Consumer Electronics

IOT Insurance Market Size by Component & CAGR (2026-2033)

• Market Overview
• Solution
  • Hardware
  • Software
• Services

IOT Insurance Market Size & CAGR (2026-2033)

• North America, (Type, End User, Component)
  • US
  • Canada
• Europe, (Type, End User, Component)
  • UK
  • Germany
  • Spain
  • France
  • Italy
  • Rest of Europe
• Asia-Pacific, (Type, End User, Component)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia Pacific
• Latin America, (Type, End User, Component)
  • Brazil
  • Rest of Latin America
• Middle East & Africa, (Type, End User, Component)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2025
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2025
• Company Profiles of All Key Players
  • Company Details
  • End User Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2021-2023)

Key Company Profiles

• Accenture (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Amazon Web Services Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Bosch Software Innovation GmbH (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Cisco Systems Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• General Electric (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Google Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Hewlett-Packard Enterprise (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Intel Corporation (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• International Business Machine (IBM) Corporation (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Microsoft Corporation (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Oracle Corporation (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PTC Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• SAP SE (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Synechron (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Telit (England)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Cognizant (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Capgemini (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Concirrus (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Wipro Ltd. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendation