新能源车险市场规模继续壮大。《证券日报》记者从业内独家获悉，今年前三季度，国内新能源商业车 险签单保费(以下简称"保费")已经超千亿元，达1087.9亿元，同比增长36.6%。对比来看，新能源商业车 险保费增速仍远高于车险整体保费3.21%的同比增速。 业内人士认为，在车险增量市场中新能源车险是绝对主力，其在存量车险市场中的占比也将持续提升。 随着新能源车险自主定价系数的逐步放开，未来新能源车险的价格与风险将更加匹配，越来越多的险企 将进军新能源车险市场，做大规模、降本增效将是未来很长一段时间的重要方向。 数据显示，今年前三季度，新能源商业车险保费收入达1087.9亿元，同比增长36.6%。同时，全行业车 险整体保费收入约7239亿元，同比增长3.21%。不难看出，新能源商业车险保费增速明显高于车险整体 保费增速。 业内人士认为，这主要与新车销售结构有关。科波拉汽车咨询服务(青岛)有限公司创始人、首席执行官 王浩对《证券日报》记者分析道，中国汽车工业协会数据显示，今年前三季度，我国汽车销量为2436.3 万辆，同比增长12.9%。其中，新能源汽车销量为1122.8万辆，同比增长34.9%。新能源汽车新车销量达 ...

Core Insights - The domestic new energy commercial auto insurance premium has exceeded 100 billion yuan, reaching 108.79 billion yuan, with a year-on-year growth of 36.6%, significantly higher than the overall auto insurance premium growth of 3.21% [1][2] - The growth in new energy commercial auto insurance premiums is closely linked to the sales structure of new vehicles, with new energy vehicle sales accounting for 46.1% of total new vehicle sales in the first three quarters [2] - Despite the rapid growth, the profitability of new energy auto insurance remains a challenge for the industry, with some large insurers reporting profitability while the overall sector still faces significant pressure [4][5] Industry Growth - In the first three quarters, the effective claim cases for the overall auto insurance industry increased by 2.5%, while the effective claim cases for new energy commercial auto insurance grew by 36.2% [3] - The total claims paid for new energy commercial auto insurance reached approximately 55.22 billion yuan, reflecting a year-on-year increase of 33.8% [3] - The overall claims and payout growth rates for both the auto insurance sector and new energy auto insurance are lower than the premium growth rates, indicating improved loss ratios [3] Profitability Challenges - While some major insurers have entered a profitable phase in new energy auto insurance, the industry as a whole still faces significant challenges in achieving profitability [4][5] - The current pricing mechanisms for new energy auto insurance limit the ability to adjust rates based on risk, contributing to ongoing profitability pressures [5] - Market reforms are underway to enhance the pricing flexibility for new energy auto insurance, which is expected to align pricing with risk characteristics more effectively [5]