一季度车险业绩出炉：Top10揽下九成保费，比亚迪财险增长失速，41家公司车均保费同比下跌

市场资讯05-22

来源：保观　　车险作为财险业务的基本盘，既是保费规模的核心支柱，也是业务结构与盈利水平的关键变量。　　根据保观统计，截至目前，共有69家财险公司披露了2026年一季度的车险签单保费，以及车均保费数据。　　在车险签单保费方面，企业之间分化显著，中国人保、平安产险、太平洋财险稳居前三，头部10家财险公司拿走近九成，马太效应加剧。　　在车均保费方面，行业也呈现明显的分层结构，大部分传统中小险企的...

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year-on-year","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"81211":0.6,"399809":1.81,"601318":1.86,"601319":1.87,"601601":1.85,"02601":1.85,"002594":1.84,"01339":1.87,"PNGAY":1.86,"PINXY":1.87,"HYDD.SI":0.6,"BYDDY":1.84,"02318":1.86,"01211":1.84},"content_text":"来源：保观\n　　车险作为财险业务的基本盘，既是保费规模的核心支柱，也是业务结构与盈利水平的关键变量。\n　　根据保观统计，截至目前，共有69家财险公司披露了2026年一季度的车险签单保费，以及车均保费数据。\n　　在车险签单保费方面，企业之间分化显著，中国人保、平安产险、太平洋财险稳居前三，头部10家财险公司拿走近九成，马太效应加剧。\n　　在车均保费方面，行业也呈现明显的分层结构，大部分传统中小险企的车均保费集中在800元—1500元区间。\n　　本文我们分别从车险签单保费、车均保费的保费排名等维度，对2026年第一季度的财险公司的整体表现和发展趋势做一个分析总结。\n　　1\n　　车险签单保费层面：\n　　头部10家财险公司拿走近九成，马太效应加剧\n　　从签单保费层面来看，行业头部集中特征显著。其中69家财险公司2026年一季度车险签单保费合计2250.83亿元，而签单保费前十的财险公司合计揽入达到2004亿元签单保费，占69家财险公司签单保费总额的89.03%，总占比接近九成。\n\n　　69家财险公司2026年一季度车险签单保费排行\n　　（备注：日本财险实际险签单保费为34万元、三井住友海上火灾保险实际险签单保费为-2.46万元、法巴天星财险实际险签单保费为28万元）\n　　具体来看，排名前五的分别是中国人保（车险签单保费为716.88亿元）、平安产险（车险签单保费为566.64亿元）、太平洋财险（车险签单保费为268.57亿元）、国寿财险（车险签单保费为156.75亿元）、中华联合财险（车险签单保费为73.23亿元）。\n　　可以发现，车险行业头部格局依旧稳固，中国人保、平安产险、太平洋财险继续稳居前三。\n　　需要关注的是，排名前十的保险公司中仅有太平财险和申能财险两家实现了正增长，分别微增0.13%和1.11%。其余头部险企均呈现不同程度的负增长，其中太平洋财险同比下降5.58%，业务结构持续调整。\n　　从车险签单保费区间分布来看，一季度签单保费在百亿元以上的仅有人保、平安、太平洋、国寿财险4家，与去年同期一致；\n　　签单保费在10亿元—100亿元区间的公司有12家，包括大地财险、阳光财险、申能财险、大家财险等，这批保险公司构成行业的第二梯队；\n　　签单保费处于10亿元以下的则多达53家，比去年同期减少2家，其中不乏保费未过亿元的财险公司，比如富邦财险、融盛财险、建信财险、东吴财险等。\n\n　　而与去年同期比较之下，今年一季度仅10亿—100亿保费区间增加了两家公司，分别是泰康在线财险、安盛天平财险，车险签单保费分别为10.28亿元、10.11亿元。\n　　从车险签单保费增幅来看，在69家财险公司中，除去爱和谊日生同和财险、东吴财险、久隆财险、日本财险、法巴天星财险、三井住友海上火灾保险等6家2025年同期无可比数据之外，一共有33家财险公司的车均保费实现同比增长，1家同比维持不变，29家出现下降。\n　　从增长幅度的分布区间来看，33家公司中，增幅分布在“0-10%“的区间的公司为17家，占比达到51.51%；增幅分布“10%-20%”区间内的公司为9家，占比27.27%；增幅分布“20%-30%”区间内的公司为2家，占比6.06%；增幅分布“30%-50%”区间内的公司为4家，占比12.12%；增幅分布大于50%区间的公司为1家，占比30.30%。\n\n　　整体来看，车险签单保费同比增长幅度最大的公司主要集中在中小型险企当中。\n　　其中融通财险以200%的涨幅位居榜首，车险签单保费从2025年同期的0.01亿元大幅提升至0.03亿元，但是总体保费规模依旧较小。珠峰财险和京东安联财险紧随其后，车险签单保费涨幅分别为47.20%和42.06%，\n　　不难发现，增速靠前的公司多为中小型或专业型财险公司，本身保费规模较小，有较大的增长空间，同时得益于区域细分市场的战略布局，实现了异军突起。\n　　再看降幅的分布区间，29家公司中，增幅分布在“-5%~0“的区间的公司为19家，占比达到65.51%；增幅分布“-10%~-5%”区间内的公司为4家，占比13.79%；增幅分布“-20%~-10%”区间内的公司均为5家，占比17.24%；增幅分布“-20%以上”区间内的公司均为1家，占比3.44%。\n\n　　具体来看，比亚迪财险以-30.53%的的降幅位居榜首，车险签单保费从去年同期的7.5亿元将至5.21亿元。这背后除了受比亚迪新车销量下滑影响，还有很大一部分原因是定价策略调整，导致整体签单保费下降。\n　　此外，富邦财险（-16.67%）、锦泰财险（-18.33%）等公司的签单保费降幅较大。\n　　2\n　　车均保费层面：\n　　专业及外资险企“最贵”，超半数险企同比下降\n　　车均保费是衡量客户结构、风险定价策略与业务质量的重要指标。2026年一季度，69家财险公司车均保费的分层明显，多数公司的车均保费同比下降。\n\n　　69家财险公司2026年一季度车均保费排行\n　　具体来看，排名第一的爱和谊日生同和财险车均保费高达8700元，久隆财险以8174.27元紧随其后，新成立的法巴天星财险以5594.15元位列第三。现代财险和日本财险则分别以5400元和3751.3元位列第四、五位。\n　　不难发现，排名前五的财险公司中，除了久隆财险之外，均为外资或合资财险公司。\n　　车均保费排名第六到第十位的公司车均保费均在2800元至3500元之间，整体处于较高水平。\n　　这里值得一提的是，在排名前十名中，除了爱和谊日生同和财险、久隆财险、法巴天星财险3家同期无可比数据之外，仅有鼎和财险实现了同比增长，该指标降幅最大的公司车均保费同比下降超过30%。\n　　再看车均保费处于行业低位的财险公司。除了三井住友海上火灾保险之外，排名最低的三家公司分别是鑫安汽车保险、安盟财险、都邦财险，车均保费分别为540.09元、800元、850元。\n　　这类公司多为区域性、专业化或中小型保险公司，其业务定位更侧重经济型客户群体，定价策略更为灵活。同时三井住友海上火灾保险是唯一一家车均保费为负的公司，该公司在今年一季度偿付能力报告中明确指出，原因在于公司已于2026年1月1日起暂停车险直接业务，故不再有新单保费产生，仅剩退保操作。 \n　　从车均保费区间分布来看，2026年一季度与去年同期基本保持一致，结构较为稳定。\n　　其中车均保费分布在“1000元—2000元”区间内的财险公司数量为38家，较2025年同期的37家增加了1家，总占比超过一半，包括申能财险、阳光财险、中意财险、利宝保险等。\n　　“2000元—3000元”区间的财险公司数量为15家，与2025年同期持平，总占比达到21.73%，包括国泰财险、国寿财险、三星财险、中国人保等。\n\n　　相较之下，榜单头部则出现不小的波动。车均保费”5000元—10000元”区间的财险公司从去年同期的1家增至4家，新增公司分别是爱和谊日生同和财险、久隆财险、法巴天星财险。\n　　总体而言，车均保费主要分布在“1000元—2000元”和“2000元—3000元”两个区间内，有进一步向中间段靠拢的趋势。\n　　从增幅趋势来看，除去爱和谊日生同和财险、久隆财险、法巴天星财险、东吴财险4家2025年同期无可比数据，以及三井住友海上火灾保险出现异常数据之外，一共有19家财险公司的车均保费实现同比增长，4家同比维持不变，41家出现下降。\n　　从增长幅度的分布区间来看，19家公司中，增幅分布在“0-10%“的区间的公司为14家，占比达到73.68%；增幅分布“10%-20%”区间内的公司为3家，占比15.78%；增幅分布“20%-30%”区间内的公司均为2家，占比10.52%；增幅分布“30%-50%”区间内的公司均为0家。\n\n　　其中，中煤财险以22.22%的涨幅位居榜首，车均保费从2025年同期的900元大幅提升至1100元。国任财险和鼎和财险紧随其后，车均保费涨幅分别为20.84%和17.56%。\n　　不难发现，涨幅前三的均是中小型险企，而车均保费基数相对较低，是影响增幅的一个重要因素。\n　　再看降幅的分布区间，41家公司中，增幅分布在“-5%至0“的区间的公司为20家，占比达到48.78%；增幅分布“-10%至-5%”区间内的公司为10家，占比24.39%；增幅分布“-20%至-10%”区间内的公司均为9家，占比21.95%；增幅分布“-20%以上”区间内的公司均为2家，占比4.87%。\n\n　　再具体到公司层面，除了降幅最大的国泰财险（车均保费从4244元降至2966元），渤海财险（-16.21%）、日本财险（-17.66%）、安盟财险（-11.11%）、京东安联财险（-20.37%）等10家公司出现两位数以上的同比降幅。\n　　总的来说，2026年一季度车均保费整体偏低且同比下滑趋势明显。这背后一方面是新车销量大幅下滑，拉低了投保基数；另一方面车险综改持续深化，使优质客户保费明显降低。同时在新的定价机制以及创新模式下，新能源车险的保费整体呈现大幅下降趋势，这些因素共同作用下，使得车均保费出现整体下行。\n　　3\n　　行业分化将继续拉大，\n　　存量竞争将成为行业主旋律？\n　　基于2026年一季度车险签单保费和车均保费数据，并结合政策与市场环境变化，我们对2026年全年车险市场的发展趋势做了两大预测：\n　　第一，存量竞争将成为行业主旋律，服务能力成决胜关键。\n　　根据国家金融监管总局发布的相关数据显示，2026年一季度财险公司车险保费同比小幅下降0.4%至2226亿元，主要与新车销售承压有关。\n　　新车销量持续放缓也意味着车险行业可能会进入到存量竞争时代，险企之间的竞争将从“抢增量”转为“拼存量”，市场竞争进一步加剧。那么对于中小险企而言，做好专业化、场景化、生态化的服务能力，才能在激烈的市场竞争中谋求一席之地。\n　　第二，新能源车险定价与风控体系重构，分化将继续拉大。\n　　2026年4月，新能源车险新规对商业车险自主定价、三电系统保障、车电分离承保等核心内容进行了优化调整，真正实现了奖优罚劣。\n　　新规的落地，在数据、技术和成本上为险企设立了更高门槛。头部险企凭借优势有望率先实现盈利，而缺乏核心能力的中小险企将面临更大挑战，将加速行业分化。\n\n\n海量资讯、精准解读，尽在新浪财经APP\n\n责任编辑：王馨茹","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"0","news_tag":"dataReport","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData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