美国车险平均保费2024年上涨12.1%，车主年均支出达1431美元
全美保险监督官协会（NAIC）发布的汽车保险数据补充报告显示，2024年全美平均汽车保险保费上涨12.12%，车主的年平均保险支出达到1431.63美元，比2020年高出36.64%。
涨幅最明显的是综合险（comprehensive coverage，即非碰撞损失险）：其平均保费2024年上涨18.66%，而承保的车辆风险单位数量仅增长0.35%。这意味着价格上涨并非因为投保车辆变多，而是单位风险的成本显著上升。
报告的数据覆盖2020年至2024年，来源包括美国保险服务协会（AAIS）、保险服务局（ISO）、全国独立统计服务机构（NISS）、保险统计服务（ISS）等统计机构，以及加利福尼亚州和德克萨斯州保险局、马萨诸塞州汽车保险公司和马里兰州汽车保险基金的数据。
NAIC 是美国各州、哥伦比亚特区和美国属地保险监督官组成的标准制定与监管协调组织，其汇编的这份补充报告常被各州监管部门和保险公司用作定价与市场监测的参照。
对车主而言，报告传递的信号是：车险成本的上升是全国性、跨险种的现象。监管机构提醒消费者，收到涨价通知时应多方比较报价，并确认保单的保障范围与自付额设置是否仍然适合自己。（来源：全美保险监督官协会）
Average U.S. Auto Insurance Premium Rose 12.12% in 2024; Average Expenditure Hit $1,431.63
The combined average auto insurance premium in the United States rose 12.12% in 2024, according to an auto premium data supplement released by the National Association of Insurance Commissioners (NAIC). The average expenditure per insured vehicle reached $1,431.63, up 36.64% since 2020.
The steepest increase came in comprehensive coverage, which protects against non-collision losses: its average premium climbed 18.66% in 2024, while comprehensive exposures grew only 0.35%. In other words, the increase was driven by the cost per unit of risk, not by more vehicles being insured.
The report covers 2020 through 2024 and draws on data from statistical agents including AAIS, ISO, NISS and ISS, as well as the California and Texas departments of insurance, Massachusetts' MA CAR and the Maryland Auto Insurance Fund.
The NAIC is the standard-setting and regulatory support organization created and governed by the chief insurance regulators of all 50 states, the District of Columbia and U.S. territories. Its compiled supplements are widely used by state regulators and insurers for pricing and market monitoring.
For drivers, the report signals that higher auto insurance costs are a nationwide trend across coverage types. Regulators advise consumers facing a rate increase to compare quotes and to review whether their coverage limits and deductibles still fit their needs. (Source: National Association of Insurance Commissioners)
来源：全美保险监督官协会
发布：GSM·美国（发布链接）
图片来源：图：全美平均车险支出持续上升。Wikimedia Commons 授权图片。 / Photo: Traffic on a U.S. highway. Image via Wikimedia Commons.
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