银保监会发布交强险数据：车均保费下降 为消费者增加保额21万亿

Core Insights - The 2021 Compulsory Traffic Accident Liability Insurance (CTALI) has expanded its coverage and enhanced its protection functions, increasing the liability limit from 122,000 yuan to 200,000 yuan, resulting in an additional insurance amount of 21 trillion yuan for consumers and an increase in compensation of 9 billion yuan [1][2][3] Group 1: Insurance Coverage and Financial Performance - The number of insured vehicles reached 323 million in 2021, a year-on-year increase of 7.3% [2] - The earned premium for 2021 was 230.4 billion yuan, with a claims cost of 176.3 billion yuan [2] - The total compensation amount increased by 37.9 billion yuan compared to 2020, with claims costs rising by 27.4% [3] Group 2: Premium Adjustments and Consumer Benefits - The average premium per vehicle decreased from 781 yuan in 2020 to 767 yuan in 2021, a year-on-year decline of 1.8%, resulting in a total reduction in premium expenditure of 8.2 billion yuan for consumers [3] - The improvement in the premium rate floating mechanism post-reform has effectively utilized the "reward for good, penalty for bad" principle [3] Group 3: Social Assistance Fund Reforms - In 2021, the insurance industry contributed 2.9 billion yuan to the Road Traffic Accident Relief Fund, bringing the cumulative total to 27.3 billion yuan [5] - Reforms included extending the relief time limit from 72 hours to 168 hours for medical expenses, expanding the range of beneficiaries, and reducing the review time for fund applications [6][7]