维修负担及保险赔付压力加重

Core Insights - The report from China Insurance Research Institute indicates a rising trend in maintenance costs for both fuel and new energy vehicles since 2025, increasing the financial burden on consumers and insurance payout pressures [1] Fuel Vehicles - The "Automobile Zero-Whole Ratio 100 Index" for fuel vehicles increased to 391.07%, up by 2 percentage points from the previous report [2] - The "Maintenance Burden 100 Index" for fuel vehicles rose to 20.86, an increase of 0.1, reflecting a 0.47% rise [2] - Among 18 commonly used parts, 11 showed an increase in single part zero-whole ratios, with the rearview mirror assembly seeing the highest increase of 4.82% [3] - The average single part zero-whole ratio for front headlights increased to 3.2%, up by 0.02 percentage points [3] New Energy Vehicles - The "Automobile Zero-Whole Ratio 100 Index" for new energy vehicles rose to 312.24%, an increase of 3.3 percentage points [4] - The "Maintenance Burden 100 Index" for new energy vehicles increased to 27.66, reflecting a rise of 2.03% [4] - Among 18 commonly used parts, 16 showed an increase in single part zero-whole ratios, with the rear tail light having the highest increase of 11.59% [4] - The average single part zero-whole ratio for front headlights in new energy vehicles increased to 2.43%, up by 0.17 percentage points [4] Battery Costs - The average single part zero-whole ratio for power batteries in new energy vehicles decreased to 49.59%, down by 0.38 percentage points [6] - The average unit energy price for power batteries was 1538.83 yuan/kWh, reflecting a decrease of 2.23% [6]