物联网保险市场规模、份额和成长分析（按类型、最终用户、组件和地区划分）－2026-2033年产业预测

预计到 2024 年，物联网保险市场规模将达到 632.8 亿美元，到 2025 年将成长至 916.3 亿美元，到 2033 年将成长至 17707.9 亿美元，在预测期（2026-2033 年）内复合年增长率为 44.8%。

受保险公司对物联网技术投资不断增加的推动，物联网保险市场正经历强劲成长。这项技术创新能够透过物联网设备收集和共用关键数据，最大限度地减少数据重复，简化理赔流程，从而提高组织效率和风险管理水平。保险公司受益于更有效率的理赔管理、更快速的风险评估和更低的处理成本。此外，透过物联网设备累积的大量数据也有助于开发客製化的保险产品。该技术还有助于保险公司分析客户的历史趋势、进行长期分析并累积关键讯息，从而实现更精准的保费计算。物联网应用的日益普及正扩展到健康保险和海上保险等各个领域，进一步推动了市场的蓬勃发展。

全球物联网保险市场按类型、最终用户、组件和地区进行细分。按类型划分，可分为人寿保险、健康保险、农业保险、财产保险、产物保险和其他保险。依最终用户划分，可分为汽车及交通运输、旅游、医疗保健、住宅及商业建筑、企业、农业及家用电器。按组件划分，可分为解决方案和服务。依地区划分，可分为北美、欧洲、亚太、拉丁美洲以及中东和非洲。

物联网保险市场驱动因素

物联网保险市场的发展动力源自于物联网设备在车辆、住宅、商业建筑和其他投保资产中的日益普及。这些设备会产生大量数据，而这些资讯使保险公司能够更精准地评估个人风险。透过详细的数据分析，保险公司可以根据客户独特的风险状况客製化保险范围和保费。这使得保险产品能够更准确地反映投保人的实际风险敞口，从而在当今数据主导的环境中更具针对性和吸引力。

物联网保险市场面临的限制

由于物联网设备收集、储存和传输的资料具有高度敏感性，物联网保险市场面临许多挑战。这些挑战包括资料隐私、安全漏洞以及未授权存取等严重问题。保险公司必须遵守复杂的隐私法规，同时也要应对可能​​损害资料完整性的各种网路安全威胁。此外，维护消费者信任至关重要，这就要求保险公司采取强有力的措施来保护物联网资料并确保客户资讯的机密性。应对这些挑战对于保险公司建立安全的物联网资料处理框架并赢得消费者信任至关重要。

物联网保险市场趋势

受物联网技术进步的推动，物联网保险市场正经历着向使用者导向保险（UBI）模式的显着转变。保险公司越来越多地利用远端资讯处理技术和连网设备来收集投保人的行为、驾驶模式和风险状况等即时数据。这种数据驱动的方法能够创造高度个人化的保单，反映的是个人的实际使用情况，而非笼统的估计值。因此，投保人可以受益于更公平的定价结构、更精准的风险评估以及与保险公司更深入的互动。这一趋势标誌着保险解决方案正朝着利用物联网能力的客製化方向发展，从而建立一个更有效率、以客户为中心的保险环境。

目录

介绍

• 调查目标
• 调查范围
• 定义

调查方法

• 资讯收集
• 二手资料和一手资料方法
• 市场规模预测
• 市场假设与限制

执行摘要

• 全球市场展望
• 供需趋势分析
• 细分市场机会分析

市场动态与展望

• 市场规模
• 市场动态
  • 驱动因素和机会
  • 限制与挑战
• 波特分析及其影响

关键市场考察

• 关键成功因素
• 竞争程度
• 关键投资机会
• 市场生态系统
• 市场吸引力指数（2025）
• PESTEL 分析
• 总体经济指标
• 价值链分析
• 定价分析
• 技术进步
• 监管环境
• 案例研究
• 贸易分析
• Start-Ups分析

物联网保险市场规模（按类型划分）及复合年增长率（2026-2033 年）

• 人寿保险
• 健康保险
• 产物保险
• 责任险
• 农业保险
• 其他的

物联网保险市场规模（依最终用户划分）及复合年增长率（2026-2033 年）

• 汽车与运输
• 旅行
• 卫生保健
• 住宅及商业建筑
• 公司
• 农业
• 家用电子产品

物联网保险市场规模（按组成部分及复合年增长率划分）（2026-2033 年）

• 解决方案
  • 硬体
  • 软体
• 服务

物联网保险市场规模（按地区划分）及复合年增长率（2026-2033 年）

• 北美洲
  • 美国
  • 加拿大
• 欧洲
  • 英国
  • 德国
  • 西班牙
  • 法国
  • 义大利
  • 其他欧洲地区
• 亚太地区
  • 中国
  • 印度
  • 日本
  • 韩国
  • 亚太其他地区
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲地区
• 中东和非洲
  • 海湾合作委员会国家
  • 南非
  • 其他中东和非洲地区

竞争资讯

• 前五大公司对比
• 主要企业的市场定位（2025 年）
• 主要市场参与者所采取的策略
• 近期市场趋势
• 公司市占率分析（2025 年）
• 主要企业公司简介
  • 公司详情
  • 最终用户投资组合分析
  • 依业务板块进行公司股票分析
  • 2021-2023年营收年比比较

主要企业简介

• 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）

结论与建议

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