57家财险公司上半年车均保费均值约1979元

Group 1 - The average car insurance premium among 57 property insurance companies is 1978.56 yuan, with the highest at 5700 yuan and the lowest at 900 yuan [1] - Car insurance accounts for 46.7% of the total insurance premium income of 964.5 billion yuan in the first half of the year, with car insurance premiums reaching 450.5 billion yuan [1] - 39 out of 57 insurance companies reported average car premiums below 2000 yuan, indicating a competitive pricing environment [1] Group 2 - Three small insurance companies reported average car premiums below 1000 yuan, highlighting their strategy to enhance competitiveness through lower pricing [2] - The average premium for new energy vehicles is 63% higher than that of fuel vehicles, with new energy vehicle premiums still about 10% higher even after adjusting for factors like vehicle age [2] - The insurance industry faced a loss of 5.7 billion yuan in new energy vehicle insurance in 2024, indicating ongoing challenges in profitability [2] Group 3 - The market for new energy vehicle insurance is in a critical transformation phase, with high repair costs and accident rates posing significant challenges [3] - Major insurance companies are seeing a decrease in comprehensive cost ratios for new energy vehicle insurance, narrowing the gap with fuel vehicles [3] - Analysts predict that the car insurance market will stabilize in the second half of 2025, supported by a steady expense ratio and an increase in new energy vehicle insurance share [3]