中保研汽车技术研究院发布第19期和第20期汽车零整比研究结果

Core Insights - The automotive zero-to-whole ratio is a key actuarial indicator for insurance premium pricing and is essential for optimizing after-sales maintenance costs for automotive companies, thereby protecting consumer rights in the long term [1] Group 1: Automotive Zero-to-Whole Ratio Indicators - The 20th period's "Automotive Zero-to-Whole Ratio 100 Index" for fuel vehicles is 391.07%, an increase of 2.00 percentage points from the 19th period, reflecting a growth rate of 0.51% [2] - The average zero-to-whole ratio coefficient for 10 new fuel vehicle models is 545.11%, which significantly contributed to the rise in the 20th period's index [2] - The "Repair Burden 100 Index" for fuel vehicles is 20.86, up by 0.10 from the 19th period, indicating a 0.47% increase, which highlights the rising repair costs and insurance payout pressures for traditional vehicle users [2] Group 2: Component-Specific Zero-to-Whole Ratios - Among 18 commonly used components in fuel vehicles, 11 saw an increase in their average single-component zero-to-whole ratios, with the rearview mirror assembly experiencing the highest increase of 4.82% [4] - The average price of 12 commonly used components also rose, with the rearview mirror assembly showing the highest price increase of 7.82% [4] - The average single-component zero-to-whole ratio for front headlights is 3.20%, an increase of 0.02 percentage points, with the highest ratio recorded for the Audi A6L at 10.40% [5] Group 3: New Energy Vehicle Indicators - The 20th period's "Automotive Zero-to-Whole Ratio 100 Index" for new energy vehicles is 312.24%, an increase of 3.30 percentage points from the 19th period, reflecting a growth rate of 1.07% [6] - The "Repair Burden 100 Index" for new energy vehicles is 27.66, up by 0.55 from the 19th period, indicating a 2.03% increase, which reflects the rising repair costs and insurance payout pressures for new energy vehicle users [6] - Among 18 commonly used components in new energy vehicles, 16 saw an increase in their average single-component zero-to-whole ratios, with the outer tail light showing the highest increase of 11.59% [8] Group 4: Battery Component Insights - The average single-component zero-to-whole ratio for power batteries in new energy vehicles is 49.59%, a decrease of 0.38 percentage points from the 19th period [11] - The average unit energy price for power batteries is 1538.83 yuan/kWh, reflecting a decrease of 2.23%, indicating improved cost-effectiveness [12] - The research results aim to enhance transparency in the automotive aftermarket and support the insurance industry in refining premium rates and risk assessment models [12]