![]() |
市場調查報告書
商品編碼
2092872
行動保險科技(Insurtech)市場預測至2034年-按組件、技術、保險類型、行動類型、應用、最終用戶和地區分類的全球分析Mobility Insurance Technology (InsurTech) Market Forecasts to 2034 - Global Analysis By Component (Software and Services), Technology, Insurance Type, Mobility Type, Application, End User and By Geography |
||||||
根據 Stratistics MRC 的數據,全球行動保險科技(保險科技)市場預計將在 2026 年達到 57 億美元,到 2034 年達到 248 億美元,在預測期內以 20.2% 的複合年成長率成長。
旅遊保險科技(Mobility Insurtech)是指透過應用人工智慧、機器學習、物聯網、遠端資訊處理、區塊鏈、巨量資料分析、雲端運算和電腦視覺等先進技術,對出行相關風險和服務的保險價值鏈進行轉型。這項技術催生了許多創新保險解決方案,例如基於使用量的保險、基於里程的保費、基於駕駛風格的保費、按需保險、車隊保險和自動駕駛汽車保險。因此,出行保險科技對於保險產品的現代化以及應對不斷變化的出行風險至關重要。
聯網汽車的日益普及以及對基於使用量的保險的需求不斷成長
聯網汽車技術的快速普及以及消費者對個人化、基於使用量的保險產品日益成長的需求,是推動出行保險科技市場發展的主要動力。聯網汽車會產生大量的遠端資訊處理數據,使保險公司能夠根據實際駕駛行為而非人口統計因素來評估風險。獎勵安全駕駛行為的基於使用量的保險模式,正日益受到尋求更公平定價的消費者的青睞。遠端資訊處理平台與保險平台的整合,實現了即時風險評估、動態定價和個人化保險方案。隨著車輛連網成為標配,消費者偏好轉向個人化保險,出行保險科技解決方案的普及速度將持續加速。
資料隱私問題和監管合規挑戰
旅遊保險科技市場面臨許多挑戰,包括可能限制市場普及的資料隱私問題以及複雜的監管合規要求。遠端資訊處理和里程保險依賴詳細駕駛資料的收集和分析,這引發了消費者對隱私的擔憂。確保遵守資料保護條例,包括GDPR、CCPA和其他地區法規,帶來了營運上的挑戰。此外,不同司法管轄區的保險法規差異顯著,也增加了創新保險產品開發的難度。透明的資料收集方法、消費者同意機制和安全的資料儲存需求進一步加劇了營運的複雜性。這些隱私和監管方面的挑戰可能導致市場普及延遲和合規成本增加。
自動駕駛汽車和新型出行模式的發展
自動駕駛汽車技術的進步以及共享出行、叫車和微出行等新型出行模式的興起,為出行保險科技公司創造了巨大的機會。自動駕駛汽車帶來了新的風險特徵和責任考量,需要創新的保險解決方案。從私家車所有權向共享和按需出行的轉變,催生了對靈活的、基於使用量的保險產品的需求。出行保險科技能夠開發針對特定出行服務和使用模式的客製化保險解決方案。隨著出行格局的不斷演變,對能夠應對新風險的技術驅動型保險解決方案的需求持續成長,為保險科技公司創造了巨大的機會。
網路安全風險和資料外洩擔憂
行動保險科技市場面臨許多重大威脅,包括網路安全風險和資料外洩問題,這些問題會影響消費者信任和監管合規性。保險科技平台處理高度敏感的個人和財務數據,因此是網路攻擊的主要目標。資料外洩可能導致客戶資訊、駕駛行為資料和保險理賠記錄的遺失。確保加密、身份驗證和入侵偵測等強大的安全措施需要大量投資。此外,保險平台與聯網汽車系統的整合也會產生潛在的攻擊途徑。應對這些網路安全風險、保護客戶資料並維護消費者對保險科技解決方案的信任,需要持續的警覺和投入。
新冠疫情對出行保險科技市場產生了重大影響,加速了數位化保險解決方案的普及,並凸顯了靈活的、基於使用量的保險產品的重要性。疫情封鎖期間,人們駕車出行減少,提高了消費者對基於使用量和里程的保險模式的興趣。對非接觸式操作的重視加速了數位化理賠流程和遠端評估能力的提升。保險公司加大了對技術驅動型解決方案的投資,以改善客戶參與、理賠管理和風險評估。隨著車輛使用模式的恢復,人們對個人化、基於使用量的保險的需求進一步成長,從而推動了保險科技的持續發展。
在預測期內,軟體領域預計將佔據最大的市場佔有率。
預計在預測期內,軟體領域將佔據最大的市場佔有率。這是因為保險業務迫切需要能夠跨各種出行應用進行資料收集、分析和整合的平台和應用程式。保險平台、遠端資訊處理、分析引擎和理賠管理系統等軟體解決方案構成了出行保險科技的基礎。保險產品日益複雜以及對即時數據處理的需求正在推動對先進軟體解決方案的需求。
預計在預測期內,車載資訊服務業將呈現最高的複合年成長率。
在預測期內,受聯網汽車技術日益普及以及基於里程和使用情況的保險、駕駛行為監控和風險評估應用對連網汽車數據日益成長的依賴所驅動,車載資訊服務產業預計將呈現最高的成長率。車載資訊服務能夠收集駕駛行為、車輛使用情況和路況的即時數據,從而為保險公司提供詳細的風險洞察。聯網汽車數量的不斷成長以及基於車載資訊服務的保險產品日益普及,都為該領域的成長提供了支撐。
在預測期內,北美預計將佔據最大的市場佔有率。這主要得益於該地區大型保險公司的存在、先進的技術基礎設施、遠端資訊處理和里程計費保險產品的高滲透率,以及有利的法規環境。該地區對保險創新和數位轉型的高度重視正在推動保險科技的普及。美國領先的保險公司和科技公司在基於遠端資訊處理的保險、基於使用量的保險以及人工智慧理賠解決方案的開發和部署方面發揮了早期且主導的作用。
在預測期內,亞太地區預計將呈現最高的複合年成長率,這主要得益於快速的數位化進程、車輛互聯性的提升、智慧型手機普及率的提高、對個人化保險需求的成長,以及中國、印度、日本和東南亞等國家移動出行服務的擴張。該地區龐大的人口基數和不斷成長的車輛數量,催生了對創新保險解決方案的巨大需求。亞太地區各國政府正透過投資和政策框架,支持金融服務領域的數位轉型。
According to Stratistics MRC, the Global Mobility Insurance Technology (InsurTech) Market is accounted for $5.7 billion in 2026 and is expected to reach $24.8 billion by 2034, growing at a CAGR of 20.2% during the forecast period. Mobility insurance technology, or mobility InsurTech, refers to the application of advanced technologies including artificial intelligence, machine learning, IoT, telematics, blockchain, big data analytics, cloud computing, and computer vision to transform the insurance value chain for mobility-related risks and services. This technology enables innovative insurance solutions including usage-based insurance, pay-as-you-drive, pay-how-you-drive, on-demand insurance, fleet insurance, and autonomous vehicle insurance. As a result, mobility InsurTech has become essential for modernizing insurance offerings and addressing evolving mobility risks.
Increasing adoption of connected vehicles and demand for usage-based insurance
The rapid adoption of connected vehicle technologies and the growing consumer demand for personalized, usage-based insurance products serve as primary catalysts for the mobility InsurTech market. Connected vehicles generate vast amounts of telematics data that enable insurers to assess risk based on actual driving behavior rather than demographic factors. Usage-based insurance models that reward safe driving behavior are increasingly popular among consumers seeking fairer pricing. The integration of telematics with insurance platforms enables real-time risk assessment, dynamic pricing, and personalized coverage options. As vehicle connectivity becomes standard and consumer preferences shift toward personalized insurance, the adoption of mobility InsurTech solutions continues to accelerate.
Data privacy concerns and regulatory compliance challenges
The mobility InsurTech market faces significant challenges from data privacy concerns and complex regulatory compliance requirements that can limit adoption. Telematics and usage-based insurance rely on collecting and analyzing detailed driving data, raising privacy concerns among consumers. Ensuring compliance with data protection regulations including GDPR, CCPA, and other regional requirements presents operational challenges. Additionally, insurance regulations vary significantly across jurisdictions, complicating deployment of innovative insurance products. The need for transparent data collection practices, consumer consent mechanisms, and secure data storage adds to operational complexity. These privacy and regulatory challenges can slow adoption and increase compliance costs.
Growth of autonomous vehicles and new mobility models
The advancement of autonomous vehicles and the emergence of new mobility models including shared mobility, ride-hailing, and micromobility present significant opportunities for mobility InsurTech providers. Autonomous vehicles introduce new risk profiles and liability considerations that require innovative insurance solutions. The shift from individual vehicle ownership to shared and on-demand mobility creates demand for flexible, usage-based insurance products. Mobility InsurTech enables the development of insurance solutions tailored to specific mobility services and usage patterns. As the mobility landscape evolves, the need for technology-enabled insurance solutions that address emerging risks continues to grow, creating substantial opportunities for InsurTech providers.
Cybersecurity risks and data breach concerns
The mobility InsurTech market faces significant threats from cybersecurity risks and data breach concerns that can impact consumer trust and regulatory compliance. Insurance technology platforms handle sensitive personal and financial data, making them attractive targets for cyberattacks. Data breaches could expose customer information, driving behavior data, and claims history. Ensuring robust security measures including encryption, authentication, and intrusion detection requires substantial investment. Additionally, the integration of insurance platforms with connected vehicle systems creates potential attack vectors. These cybersecurity risks require constant vigilance and investment to protect customer data and maintain trust in InsurTech solutions.
The COVID-19 pandemic significantly impacted the mobility InsurTech market by accelerating the adoption of digital insurance solutions and highlighting the importance of flexible, usage-based insurance products. Reduced driving during lockdowns increased consumer interest in usage-based and pay-as-you-drive insurance models. The emphasis on contactless operations accelerated digital claims processing and remote assessment capabilities. Insurers accelerated investments in technology-enabled solutions for customer engagement, claims management, and risk assessment. As vehicle usage patterns recovered, the focus on personalized, usage-based insurance continued to grow, supporting sustained InsurTech adoption.
The software segment is expected to be the largest during the forecast period
The software segment is expected to account for the largest market share during the forecast period, driven by the essential need for platforms and applications that enable data collection, analysis, and integration for insurance operations across various mobility applications. Software solutions including insurance platforms, telematics data processing, analytics engines, and claims management systems form the foundation of mobility InsurTech. The increasing complexity of insurance products and the need for real-time data processing drive demand for sophisticated software solutions.
The telematics segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the telematics segment is predicted to witness the highest growth rate, driven by the increasing deployment of connected vehicle technologies and the growing reliance on telematics data for usage-based insurance, driver behavior monitoring, and risk assessment applications. Telematics enables real-time data collection on driving behavior, vehicle usage, and road conditions, providing insurers with detailed risk insights. The expansion of connected vehicle fleets and the growing adoption of telematics-based insurance products support segment growth.
During the forecast period, the North America region is expected to hold the largest market share, driven by the presence of major insurance companies, advanced technology infrastructure, high adoption rates of telematics and usage-based insurance products, and supportive regulatory environments. The region's strong focus on insurance innovation and digital transformation supports InsurTech adoption. Major insurance providers and technology companies in the United States are early leaders in developing and deploying telematics-based insurance, usage-based insurance, and AI-powered claims solutions.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR, fueled by rapid digitization, increasing vehicle connectivity, growing smartphone penetration, rising demand for personalized insurance, and expanding mobility services across countries like China, India, Japan, and Southeast Asian nations. The region's large population and growing vehicle ownership create substantial demand for innovative insurance solutions. Governments in Asia Pacific are supporting digital transformation in financial services through investment and policy frameworks.
Key players in the market
Some of the key players in Mobility Insurance Technology (InsurTech) Market include Cambridge Mobile Telematics, Octo Telematics S.p.A., CCC Intelligent Solutions Holdings Inc., Guidewire Software Inc., Duck Creek Technologies LLC, LexisNexis Risk Solutions, Verisk Analytics Inc., Shift Technology, Tractable Ltd., Zego, Root Inc., Metromile Inc., Arity LLC, Earnix Ltd., and IMS.
In March 2025, Cambridge Mobile Telematics announced a new AI-powered telematics platform for usage-based insurance featuring enhanced driver behavior analytics and real-time risk assessment capabilities. The platform enables insurers to develop personalized insurance products based on actual driving behavior.
In February 2025, Octo Telematics introduced an advanced insurance telematics solution with integrated IoT and machine learning capabilities for fleet risk management. The solution enables real-time fleet monitoring, driver coaching, and predictive risk analytics.
Note: Tables for North America, Europe, APAC, South America, and Rest of the World (RoW) are also represented in the same manner as above.