前三季度67家险企车均保费中位数为1836.89元

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本报记者杨笑寒近日，财险公司三季度偿付能力报告陆续出炉，其车均保费情况也随之揭晓。据《证券日报》记者统计，截至11月11日，共有67家财险公司披露了今年前三季度车均保费情况，其中车均保费最高为5700元，最低为880元，共有39家险企车均保费低于2000元。车险是财险业最重要的险种之一。国家金融监督管理总局数据显示，今年前三季度，财险公司车险原保险保费收入（以下简称“保费收入”）为6836亿元，...

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杨笑寒近日，财险公司三季度偿付能力报告陆续出炉，其车均保费情况也随之揭晓。据《证券日报》记者统计，截至11月11日，共有67家财险公司披露了今年前三季度车均保费情况，其中车均保费最高为5700元，最低为880元，共有39家险企车均保费低于2000元。车险是财险业最重要的险种之一。国家金融监督管理总局数据显示，今年前三季度，财险公司车险原保险保费收入（以下简称“保费收入”）为6836亿元，...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20251112112019a6f35cc7&s=b\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU1720050803.USD","symbol_name":"安联全方位中国股票基金","start_time":0,"source_url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20251112112019a6f35cc7&s=b","article_id":"2582234821","we_media_id":null,"thumbnails":[],"rights":{"source":"tencent","url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20251112112019a6f35cc7&s=b","rn_cache_url":null,"customStyle":"body{padding-top:10px;}#news_title{font-weight:bold;#titleStyle#;}#news_description 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yuan","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"82318":0.6,"601318":0.6,"HPAD.SI":0.6,"02601":0.9,"06060":0.9,"PNGAY":0.6,"03145":0.6,"PAImain":0.6,"02318":0.9},"content_text":"本报记者 杨笑寒近日，财险公司三季度偿付能力报告陆续出炉，其车均保费情况也随之揭晓。据《证券日报》记者统计，截至11月11日，共有67家财险公司披露了今年前三季度车均保费情况，其中车均保费最高为5700元，最低为880元，共有39家险企车均保费低于2000元。车险是财险业最重要的险种之一。国家金融监督管理总局数据显示，今年前三季度，财险公司车险原保险保费收入（以下简称“保费收入”）为6836亿元，占财险公司总保费收入的近一半。而车均保费是衡量财险公司车险业务质量与定价水平的关键指标，受到市场普遍关注。数据显示，截至目前，已有67家财险公司披露了今年前三季度车均保费情况。其中，现代财产保险（中国）有限公司（以下简称“现代财险”）的车均保费最高，为5700元，都邦财产保险股份有限公司的车均保费最低，为880元。67家财险公司的车均保费平均值为2079元，中位数为1836.89元。从分布情况来看，67家财险公司中，车均保费在3000元及以上的财险公司有12家，在2000元至3000元（含2000元，不含3000元）的财险公司有16家，在1000元至2000元（含1000元，不含2000元）的财险公司有34家，低于1000元的财险公司有5家。值得注意的是，现代财险、深圳比亚迪财产保险有限公司（以下简称“比亚迪财险”）等业务范围主要聚焦新能源车险的财险公司车均保费仍旧较高，均超过4000元。“新能源车险车均保费较高，主要受新能源汽车出险率较高和维修成本较高等因素影响。”车车科技创始人兼CEO张磊对《证券日报》记者表示，一是新能源汽车构造不同导致新能源车险成本结构变化，推动维修成本升高；二是新能源车险风险特征有所改变，营运性质的新能源车出险率和赔付率较高，使得保费有所升高；三是险企对新能源车险的经营时间较短，定价策略存在差异和误区，难以准确估计风险。中国精算师协会执行副会长兼秘书长张晓蕾在此前举办的2025金融街论坛年会中欧保险创新论坛上曾谈到，2024年新能源车险整体承保情况呈亏损状态，这暴露出产品定价与风险水平存在显著差异。车险费率回溯分析的结果显示，新能源车险车均风险成本是燃油车的2.2倍左右，但新能源车险的车均保费仅是燃油车险的1.7倍，达不到2.2倍的水平，也就是说，新能源车险的保费无法覆盖其风险成本。也有业内分析人士认为，随着新能源车险相关规定推出和市场日益成熟，部分险企经营新能源车险或将局部实现盈利。同时，有头部险企管理层在中期业绩说明会上表示，部分险企新能源车险已经进入盈利空间。对外经济贸易大学创新与风险管理研究中心副主任龙格对《证券日报》记者分析称，在市场新规不断完善和经验积累助推险企风控优化的背景下，新能源车险初现改善，但电池成本高、维修生态仍有待成熟完善。短期来看，新能源车险市场或许难以全面盈利，但局部试点或可率先突破盈亏线。展望未来，东莞证券分析师李嘉俊预计，2025年全年车险保费保持平稳增长。今年以来，各上市险企紧抓新能源汽车发展机遇，不断强化精细化管理，深化客户经营，提高客户留存率，推动车险保费稳步增长。在当前汽车行业发展背景及险企内部强化精细化管理的双轮驱动下，全年车险保费有望延续稳健增长态势。(编辑：钱晓睿)关键字：","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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