67家险企数据揭秘：车险真的是越便宜越好吗？

中国金融新闻网11-19

随着三季度偿付能力报告陆续出炉，财险公司车均保费情况也随之揭晓。据《金融时报》记者不完全统计，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，其中最高为5700元，最低为880元。绝大多数险企车均保费集中在1000元至3000元，占比高达74.7%，这反映出车险市场在充分竞争下的结构性平衡。车均保费的变动不仅体现险企风险管控能力，更与行业发展趋势深度绑定。业内普遍认为，新能源车险将是...

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href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20251119223112a4ad1166&s=b><strong>中国金融新闻网</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>随着三季度偿付能力报告陆续出炉，财险公司车均保费情况也随之揭晓。据《金融时报》记者不完全统计，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，其中最高为5700元，最低为880元。绝大多数险企车均保费集中在1000元至3000元，占比高达74.7%，这反映出车险市场在充分竞争下的结构性平衡。车均保费的变动不仅体现险企风险管控能力，更与行业发展趋势深度绑定。业内普遍认为，新能源车险将是...</p>\n\n<a 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better?","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"82318":0.6,"601318":0.6,"PAImain":0.6,"02318":0.9,"PNGAY":0.6,"06060":0.9,"HPAD.SI":0.6,"03145":0.6,"02601":0.9},"content_text":"随着三季度偿付能力报告陆续出炉，财险公司车均保费情况也随之揭晓。据《金融时报》记者不完全统计，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，其中最高为5700元，最低为880元。绝大多数险企车均保费集中在1000元至3000元，占比高达74.7%，这反映出车险市场在充分竞争下的结构性平衡。车均保费的变动不仅体现险企风险管控能力，更与行业发展趋势深度绑定。业内普遍认为，新能源车险将是未来决定行业价格走势的关键变量。随着政策引导下的定价机制优化、新能源车维修成本下降、险企风控技术升级以及市场规模效应显现，车均保费数据有望进一步回归合理区间。车均保费：最高5700元，最低850元记者统计发现，前三季度，67家财险公司车均保费均值为2079元，中位数为1836.89元。整体来看，车均保费仍然呈现出显著的结构分化态势，不同类型险企的定价策略与业务定位差异明显。具体来看，在67家财险公司中，28家车均保费高出行业均值。其中，现代财险、京东安联财险、东吴财险、比亚迪财险等12家公司车均保费在3000元及以上。现代财险以5700元的车均保费位居榜首。此外，6家财险公司车均保费低于1000元，分别为众安在线财险、富德财险、华农财险、新疆前海联合财险、中航安盟财险、都邦财险。其中，都邦财险车均保费最低，仅为850元。整体来看，绝大部分财险公司车均保费位于1000元至3000元之间。其中，16家在2000元至3000元之间，34家在1000元至2000元之间。除去申能财险、东吴财险以及爱和谊日生同和财险无可比数据之外，与2024年同期相比，25家财险公司车均保费实现同比增长，3家维持不变，36家出现下降。业内人士表示，车均保费数据受多种因素影响，如车辆的类型、用途、价值等。因此，即便是同一家险企，每年车均保费数据也在变化。对消费者来说，车均保费是否越低越好？“并非越低越好。车均保费处于行业低位的险企多为区域性或专业化经营，这些险企业务场景较为集中、区域覆盖有限，议价能力相对较弱。因此，往往以低价策略抢占市场。”上述业内人士提醒消费者，应关注这些险企的理赔效率、服务水平等。新能源车险：或出现理性下降记者注意到，车均保费排名靠前的现代财险、比亚迪财险等均以新能源车险为核心业务，前者车均保费高达5700元，后者为4046.58元，均显著高于行业均值2079元。公安部数据显示，截至2025年6月底，全国新能源汽车保有量已达3689万辆，占我国汽车总量的10.27%。随着新能源汽车技术升级、充电设施完善以及消费观念转变，这一比例仍在快速攀升，新能源车险市场也成为车险保费增长的核心驱动力。不过，站在消费者的角度，新能源车险保费偏高问题难以忽视。究其原因，新能源车核心部件成本及维修费用等都远超燃油车，直接拉高了保费。此外，从车辆使用场景上来讲，营运车占比较高及车主用车习惯差异，也拉高了新能源车的出险率，进而推高保费成本。当前，新能源车险仍处于发展初期阶段，定价模式尚未完全匹配风险，保险公司在一定程度上面临着“承保亏损”的困境。根据中国精算师协会发布的新能源车险2024年有关赔付信息，2024年，新能源车险承保亏损57亿元，共承保车系2795个，赔付率超过100%的高赔付率车系有137个。因此，保险公司只能通过提高保费来平衡成本。可喜的是，这一态势正在逐步改变。政策层面，2025年1月，金融监管总局等4部门联合发布《关于深化改革加强监管促进新能源车险高质量发展的指导意见》，从数据共享、维修标准、费率厘定、产业协同等多方面推动行业提质增效，为新能源车险市场化改革划定方向。监管政策的落地，不仅规范了市场秩序，更推动了车企与险企的深度合作，为风险定价提供了政策支撑。实践层面，已有头部险企实现新能源车险盈利。今年上半年，人保财险新能源车险承保车辆数量同比增长约36.8%，实现了承保利润大幅提升；平安产险承保新能源车575万辆，新能源车险保费收入217亿元，同比增长46.2%，实现当期承保盈利；太保产险新能源车险保费收入105.96亿元，同样进入盈利区间。业内分析认为，新能源车险盈利拐点出现尚需要时间。但随着技术的迭代升级、数据的日益积累以及车主驾驶习惯的改变等，新能源车险的盈利空间有望大幅改善。届时，新能源车险车均保费也将出现理性回归。来源：金融时报记者：李丹琳编辑：刘能静","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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