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市场调查报告书
商品编码
1887079
一般保险市场规模、占有率、成长及全球产业分析:按类型、应用和地区划分的洞察,以及2024-2032年预测Property and Casualty Insurance Market Size, Share, Growth and Global Industry Analysis By Type & Application, Regional Insights and Forecast to 2024-2032 |
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随着气候风险、监理架构和数位转型重塑全球保险业,全球一般保险市场持续稳定扩张。根据2024年产业估值,预计2024年一般保险市场规模将达到18778.8亿美元,2025年将增至19205.6亿美元,2026年将达到21000亿美元,到2032年将达到25714.1亿美元。预计2025年至2032年期间的复合年增长率(CAGR)为4.26%。北美地区到2024年将占43.99%的市场占有率,这主要得益于较高的保险意识、庞大的车辆保有量和较高的房屋保险渗透率。
市场趋势与成长驱动因素
财产和意外保险(P&C)行业包括汽车保险、住宅和商业财产保险、租屋者保险、船舶保险以及其他非人寿保险领域。市场扩张的驱动因素包括气候相关风险、都市化进程加快、政府强制保险政策、消费者金融素养的提升。 State Farm、PICC、波克夏、安联和伦敦劳合社等全球主要保险公司正透过合作、数位化通路和技术驱动的核保解决方案不断拓展业务。
气候变迁仍是市场需求最强的驱动因素之一。野火、风暴和洪水等自然灾害的增加提高了人们的风险管理意识,并强化了对综合财产保险的需求。政府监管改革也在影响这一领域。例如,印度拟议的2024年综合许可证制度旨在将人寿保险、健康保险和非人寿保险服务整合到一个框架下,从而扩大消费者的保险覆盖范围。
市场趋势:数位化、气候风险建模和保险科技的成长
数位转型是非人寿保险业的决定性趋势。人工智慧驱动的承保、预测性风险建模、自动化理赔处理以及用于即时监控的物联网感测器集成,正在从根本上改变保险业务的营运基础。随着保险公司不断改进模型以适应不可预测的天气模式,气候风险分析变得至关重要。
保险科技平台和线上保险市场的快速成长正在扩大保险的覆盖范围。数位化管道能够实现更顺畅的理赔流程、透明的定价、即时的产品比较以及更佳的客户体验,使保险对更年轻、更注重科技的一代更具吸引力。
市场限制与机会
保险费的上涨,尤其是非寿险产品的保费上涨,可能会限製成本敏感市场的成长。欧洲和北美等成熟市场由于长期较高的保险渗透率和完善的监管体系,正面临市场饱和的情况。然而,印度、印尼、巴西和越南等新兴市场由于快速的数位化进程、不断增长的中产阶级收入以及日益扩大的房地产所有权,蕴藏着巨大的发展机会。
商业不动产的扩张也是重要的机会领域。仓库、半导体製造、资料中心、科研实验室、电动车充电站和垂直农场的成长正在推动对客製化商业房地产保险的需求。电子商务和物流基础设施的快速发展也推动了发展中国家对保险资产的需求。
依保险类型划分
到2024年,汽车保险将占43%的市场占有率,引领市场。这一成长主要得益于全球汽车销售、旅游服务以及监管要求。叫车和外送服务的快速扩张也推动了需求成长。
受发展中国家对工业设施和房地产的大量投资推动,商业财产保险预计将成长最快。
依通路划分
受消费者信任和高效理赔流程的推动,间接通路(包括经纪人、代理人、银行和零售合作伙伴)在2024年占最大的市场占有率。预计到2032年,该细分市场将以4.05%的复合年增长率成长。
受Policybazaar等用户友善数位平台的推动,包括线上平台在内的直接管道正在快速扩张,预计到2025年将占43%的市场占有率。
依最终使用者划分
受可支配收入增加、保险意识提高以及房屋和汽车拥有率上升的推动,个人客户在2024年将占56.5%的市场占有率。
受商业和工业资产扩张的推动,企业保险业务预计将以 4.60% 的复合年增长率 (CAGR) 实现最快成长。
区域概览
北美 - 最大市场
北美市场受益于高价值房地产、成熟的保险网络和广泛的汽车保有量,预计到 2024 年市场规模将达到 8,264 亿美元。光是美国预计到 2025 年就将达到 7,330.3 亿美元。
欧洲 - 监理合规性强
受气候适应型政策、汽车保有量成长以及德国、法国和英国较高的保险渗透率的支撑,预计到 2025 年,欧洲市场规模将达到 3520.5 亿美元。
亚太地区-成长最快的地区
预计到2025年,亚太地区的保险市场规模将达到5,310.2亿美元,主要得益于收入水准的提高、数位保险平台的兴起、基础设施的扩建以及监管架构的完善。光是中国市场预计到2025年就将达到2,672.7亿美元。
南美洲、中东和非洲
预计2025年,南美洲的保险市场规模将达到1,102.9亿美元。同时,海湾合作委员会(GCC)的保险市场规模预计将达到308.2亿美元,主要得益于经济成长、产业扩张以及强制保险政策的实施。
The global property and casualty (P&C) insurance market is witnessing steady expansion as climate risks, regulatory frameworks, and digital transformation reshape the global insurance landscape. As per the 2024 industry assessment, the P&C insurance market was valued at USD 1,877.88 billion in 2024, is expected to rise to USD 1,920.56 billion in 2025, and reach USD 2,571.41 billion by 2032, expanding at a CAGR of 4.26% throughout 2025-2032. North America held the dominant market share of 43.99% in 2024, backed by high insurance awareness, large vehicle ownership, and strong home insurance penetration.
Market Insights and Growth Drivers
The P&C insurance sector includes vehicle insurance, residential and commercial property insurance, renters insurance, marine coverage, and other non-life segments. Market expansion is driven by climate-related risks, rising urbanization, government-imposed insurance mandates, and increased financial literacy among consumers. Major global players-including State Farm, PICC, Berkshire Hathaway, Allianz, and Lloyd's of London-continue expanding through partnerships, digital channels, and technology-driven underwriting solutions.
Climate change remains among the strongest drivers of market demand. The rise in natural disasters, such as wildfires, storms, and floods, has heightened awareness around risk management and intensified the need for comprehensive property insurance. Government regulatory reforms are also shaping the sector; for example, India's proposal for composite licenses in 2024 aims to combine life, health, and general insurance services under a single framework, widening access for consumers.
Market Trends: Digitalization, Climate Risk Modeling & Insurtech Growth
Digital transformation is a defining trend in the P&C insurance landscape. AI-powered underwriting, predictive risk modeling, automated claims processing, and the integration of IoT sensors for real-time monitoring are fundamentally altering operations. Climate risk analytics are becoming essential as insurers refine their models to adapt to unpredictable weather patterns.
The rapid growth of insurtech platforms and online insurance marketplaces has widened accessibility. Digital channels enable smoother claims, transparent pricing, instant policy comparison, and improved customer experience-making insurance more appealing to younger, tech-driven demographics.
Market Restraints and Opportunities
Premium increases, especially across non-life products, can restrain growth in cost-sensitive markets. Mature markets such as Europe and North America face saturation due to long-standing insurance penetration and established regulatory structures. However, emerging markets-including India, Indonesia, Brazil, and Vietnam-present strong opportunities because of rapid digitalization, rising middle-class incomes, and increased property ownership.
Commercial real estate expansion is another strong opportunity segment. Growth in warehousing, semiconductor manufacturing, data centers, science labs, electric vehicle charging hubs, and vertical farms is boosting demand for tailored commercial property insurance. The surge in e-commerce and logistics infrastructure has expanded the need for insurable assets across developing economies.
By Insurance Type
Vehicle insurance led the market in 2024 with a 43% share, supported by global vehicle sales, mobility services, and regulatory mandates. Rapid expansion of ride-hailing and delivery services also fuels demand.
Commercial property insurance is expected to grow fastest as developing countries invest heavily in industrial facilities and real estate.
By Distribution Channel
Indirect distribution channels-including brokers, agents, banks, and retail partners-held the largest share in 2024 due to consumer trust and efficient claim handling. This segment is projected to grow at 4.05% CAGR through 2032.
Direct channels, including online platforms, are expanding rapidly and are expected to hold 43% share in 2025 driven by user-friendly digital platforms such as Policybazaar.
By End User
Individuals dominated with 56.5% share in 2024, driven by rising disposable incomes, growing insurance awareness, and increasing home and vehicle ownership.
The business segment is projected to grow fastest at 4.60% CAGR due to expanding commercial and industrial assets.
Regional Overview
North America - Largest Market
North America generated USD 826.40 billion in 2024, driven by high-value real estate, established insurance networks, and widespread vehicle ownership. The U.S. alone is projected to reach USD 733.03 billion in 2025.
Europe - Strong Regulatory Compliance
Europe is expected to reach USD 352.05 billion in 2025, supported by climate-resilient policies, a growing automotive fleet, and strong insurance adoption across Germany, France, and the U.K.
Asia Pacific - Fastest Growing Region
Asia Pacific is forecasted to reach USD 531.02 billion in 2025, fueled by rising income levels, digital insurance platforms, infrastructure expansion, and strengthening regulatory frameworks. China's market alone will reach USD 267.27 billion in 2025.
South America & Middle East-Africa
South America will reach USD 110.29 billion in 2025, while GCC countries are expected to hit USD 30.82 billion, supported by economic growth, industrial expansion, and mandatory insurance policies.
Conclusion
With market value rising from USD 1,877.88 billion in 2024 to USD 2,571.41 billion by 2032, the global P&C insurance market is set for stable long-term expansion. Digitalization, climate adaptation, regulatory reforms, and rising global asset ownership will continue driving growth across all regions.
Segmentation By Insurance Type
By Distribution Channel
By End User
By Region
Companies Profiled in the Report State Farm (U.S.), PICC (China), Berkshire Hathway Inc. (U.S.), Allianz SE (Germany), Lloyd's of London (U.K), AXA (France), Progressive (U.S.), Allstate (U.S.), Ping An Insurance (China), Liberty Mutual (U.S.)