Home Automotive and Transportation Usage-based Insurance UBI Market Size, Share & Trends Report by 2034

Usage-based Insurance UBI Market Size & Outlook, 2026-2034

Usage-based Insurance UBI Market Size, Share & Trends Analysis Report By Policy Type (Pay-As-You-Drive (PAYD), Pay-How-You-Drive (PHYD), Manage-How-You-Drive (MHYD), Pay-As-You-Go (PAYG), Distance-Based Insurance), By Technology Type (On-Board Diagnostics (OBD-II) Devices, Embedded Telematics Systems, Smartphone-Based Platforms, Black-Box Devices, Hybrid Data Models), By Vehicle Type (Passenger Cars, Light Commercial Vehicles (LCVs), Heavy Commercial Vehicles (HCVs)), By Application (Individual Vehicle Insurance, Commercial Insurance, Shared Mobility Platforms, Pay-Per-Mile Leasing Models, OEM-Integrated Insurance) and By Region(North America, Europe, APAC, Middle East and Africa, LATAM) Forecasts, 2026-2034

Report Code: SRAT57757DR
Last Updated : Dec, 2025
Pages : 110
Author : Pavan Warade
Format : PDF, Excel

Table Of Content

  1. Executive Summary

    1. Research Objectives
    2. Limitations & Assumptions
    3. Market Scope & Segmentation
    4. Currency & Pricing Considered
    1. Emerging Regions / Countries
    2. Emerging Companies
    3. Emerging Applications / End Use
    1. Drivers
    2. Market Warning Factors
    3. Latest Macro Economic Indicators
    4. Geopolitical Impact
    5. Technology Factors
    1. Porters Five Forces Analysis
    2. Value Chain Analysis
    1. North America
    2. Europe
    3. APAC
    4. Middle East and Africa
    5. LATAM
  2. ESG Trends

    1. Global Usage-based Insurance UBI Market Introduction
    2. By Policy Type
      1. Introduction
        1. Policy Type By Value
      2. Pay-As-You-Drive (PAYD)
        1. By Value
      3. Pay-How-You-Drive (PHYD)
        1. By Value
      4. Manage-How-You-Drive (MHYD)
        1. By Value
      5. Pay-As-You-Go (PAYG)
        1. By Value
      6. Distance-Based Insurance
        1. By Value
    3. By Technology Type
      1. Introduction
        1. Technology Type By Value
      2. On-Board Diagnostics (OBD-II) Devices
        1. By Value
      3. Embedded Telematics Systems
        1. By Value
      4. Smartphone-Based Platforms
        1. By Value
      5. Black-Box Devices
        1. By Value
      6. Hybrid Data Models
        1. By Value
    4. By Vehicle Type
      1. Introduction
        1. Vehicle Type By Value
      2. Passenger Cars
        1. By Value
      3. Light Commercial Vehicles (LCVs)
        1. By Value
      4. Heavy Commercial Vehicles (HCVs)
        1. By Value
    5. By Application
      1. Introduction
        1. Application By Value
      2. Individual Vehicle Insurance
        1. By Value
      3. Commercial Insurance
        1. By Value
      4. Shared Mobility Platforms
        1. By Value
      5. Pay-Per-Mile Leasing Models
        1. By Value
      6. OEM-Integrated Insurance
        1. By Value
    1. Introduction
    2. By Policy Type
      1. Introduction
        1. Policy Type By Value
      2. Pay-As-You-Drive (PAYD)
        1. By Value
      3. Pay-How-You-Drive (PHYD)
        1. By Value
      4. Manage-How-You-Drive (MHYD)
        1. By Value
      5. Pay-As-You-Go (PAYG)
        1. By Value
      6. Distance-Based Insurance
        1. By Value
    3. By Technology Type
      1. Introduction
        1. Technology Type By Value
      2. On-Board Diagnostics (OBD-II) Devices
        1. By Value
      3. Embedded Telematics Systems
        1. By Value
      4. Smartphone-Based Platforms
        1. By Value
      5. Black-Box Devices
        1. By Value
      6. Hybrid Data Models
        1. By Value
    4. By Vehicle Type
      1. Introduction
        1. Vehicle Type By Value
      2. Passenger Cars
        1. By Value
      3. Light Commercial Vehicles (LCVs)
        1. By Value
      4. Heavy Commercial Vehicles (HCVs)
        1. By Value
    5. By Application
      1. Introduction
        1. Application By Value
      2. Individual Vehicle Insurance
        1. By Value
      3. Commercial Insurance
        1. By Value
      4. Shared Mobility Platforms
        1. By Value
      5. Pay-Per-Mile Leasing Models
        1. By Value
      6. OEM-Integrated Insurance
        1. By Value
    6. U.S.
      1. By Policy Type
        1. Introduction
          1. Policy Type By Value
        2. Pay-As-You-Drive (PAYD)
          1. By Value
        3. Pay-How-You-Drive (PHYD)
          1. By Value
        4. Manage-How-You-Drive (MHYD)
          1. By Value
        5. Pay-As-You-Go (PAYG)
          1. By Value
        6. Distance-Based Insurance
          1. By Value
      2. By Technology Type
        1. Introduction
          1. Technology Type By Value
        2. On-Board Diagnostics (OBD-II) Devices
          1. By Value
        3. Embedded Telematics Systems
          1. By Value
        4. Smartphone-Based Platforms
          1. By Value
        5. Black-Box Devices
          1. By Value
        6. Hybrid Data Models
          1. By Value
      3. By Vehicle Type
        1. Introduction
          1. Vehicle Type By Value
        2. Passenger Cars
          1. By Value
        3. Light Commercial Vehicles (LCVs)
          1. By Value
        4. Heavy Commercial Vehicles (HCVs)
          1. By Value
      4. By Application
        1. Introduction
          1. Application By Value
        2. Individual Vehicle Insurance
          1. By Value
        3. Commercial Insurance
          1. By Value
        4. Shared Mobility Platforms
          1. By Value
        5. Pay-Per-Mile Leasing Models
          1. By Value
        6. OEM-Integrated Insurance
          1. By Value
    7. Canada
    1. Introduction
    2. By Policy Type
      1. Introduction
        1. Policy Type By Value
      2. Pay-As-You-Drive (PAYD)
        1. By Value
      3. Pay-How-You-Drive (PHYD)
        1. By Value
      4. Manage-How-You-Drive (MHYD)
        1. By Value
      5. Pay-As-You-Go (PAYG)
        1. By Value
      6. Distance-Based Insurance
        1. By Value
    3. By Technology Type
      1. Introduction
        1. Technology Type By Value
      2. On-Board Diagnostics (OBD-II) Devices
        1. By Value
      3. Embedded Telematics Systems
        1. By Value
      4. Smartphone-Based Platforms
        1. By Value
      5. Black-Box Devices
        1. By Value
      6. Hybrid Data Models
        1. By Value
    4. By Vehicle Type
      1. Introduction
        1. Vehicle Type By Value
      2. Passenger Cars
        1. By Value
      3. Light Commercial Vehicles (LCVs)
        1. By Value
      4. Heavy Commercial Vehicles (HCVs)
        1. By Value
    5. By Application
      1. Introduction
        1. Application By Value
      2. Individual Vehicle Insurance
        1. By Value
      3. Commercial Insurance
        1. By Value
      4. Shared Mobility Platforms
        1. By Value
      5. Pay-Per-Mile Leasing Models
        1. By Value
      6. OEM-Integrated Insurance
        1. By Value
    6. U.K.
      1. By Policy Type
        1. Introduction
          1. Policy Type By Value
        2. Pay-As-You-Drive (PAYD)
          1. By Value
        3. Pay-How-You-Drive (PHYD)
          1. By Value
        4. Manage-How-You-Drive (MHYD)
          1. By Value
        5. Pay-As-You-Go (PAYG)
          1. By Value
        6. Distance-Based Insurance
          1. By Value
      2. By Technology Type
        1. Introduction
          1. Technology Type By Value
        2. On-Board Diagnostics (OBD-II) Devices
          1. By Value
        3. Embedded Telematics Systems
          1. By Value
        4. Smartphone-Based Platforms
          1. By Value
        5. Black-Box Devices
          1. By Value
        6. Hybrid Data Models
          1. By Value
      3. By Vehicle Type
        1. Introduction
          1. Vehicle Type By Value
        2. Passenger Cars
          1. By Value
        3. Light Commercial Vehicles (LCVs)
          1. By Value
        4. Heavy Commercial Vehicles (HCVs)
          1. By Value
      4. By Application
        1. Introduction
          1. Application By Value
        2. Individual Vehicle Insurance
          1. By Value
        3. Commercial Insurance
          1. By Value
        4. Shared Mobility Platforms
          1. By Value
        5. Pay-Per-Mile Leasing Models
          1. By Value
        6. OEM-Integrated Insurance
          1. By Value
    7. Germany
    8. France
    9. Spain
    10. Italy
    11. Russia
    12. Nordic
    13. Benelux
    14. Rest of Europe
    1. Introduction
    2. By Policy Type
      1. Introduction
        1. Policy Type By Value
      2. Pay-As-You-Drive (PAYD)
        1. By Value
      3. Pay-How-You-Drive (PHYD)
        1. By Value
      4. Manage-How-You-Drive (MHYD)
        1. By Value
      5. Pay-As-You-Go (PAYG)
        1. By Value
      6. Distance-Based Insurance
        1. By Value
    3. By Technology Type
      1. Introduction
        1. Technology Type By Value
      2. On-Board Diagnostics (OBD-II) Devices
        1. By Value
      3. Embedded Telematics Systems
        1. By Value
      4. Smartphone-Based Platforms
        1. By Value
      5. Black-Box Devices
        1. By Value
      6. Hybrid Data Models
        1. By Value
    4. By Vehicle Type
      1. Introduction
        1. Vehicle Type By Value
      2. Passenger Cars
        1. By Value
      3. Light Commercial Vehicles (LCVs)
        1. By Value
      4. Heavy Commercial Vehicles (HCVs)
        1. By Value
    5. By Application
      1. Introduction
        1. Application By Value
      2. Individual Vehicle Insurance
        1. By Value
      3. Commercial Insurance
        1. By Value
      4. Shared Mobility Platforms
        1. By Value
      5. Pay-Per-Mile Leasing Models
        1. By Value
      6. OEM-Integrated Insurance
        1. By Value
    6. China
      1. By Policy Type
        1. Introduction
          1. Policy Type By Value
        2. Pay-As-You-Drive (PAYD)
          1. By Value
        3. Pay-How-You-Drive (PHYD)
          1. By Value
        4. Manage-How-You-Drive (MHYD)
          1. By Value
        5. Pay-As-You-Go (PAYG)
          1. By Value
        6. Distance-Based Insurance
          1. By Value
      2. By Technology Type
        1. Introduction
          1. Technology Type By Value
        2. On-Board Diagnostics (OBD-II) Devices
          1. By Value
        3. Embedded Telematics Systems
          1. By Value
        4. Smartphone-Based Platforms
          1. By Value
        5. Black-Box Devices
          1. By Value
        6. Hybrid Data Models
          1. By Value
      3. By Vehicle Type
        1. Introduction
          1. Vehicle Type By Value
        2. Passenger Cars
          1. By Value
        3. Light Commercial Vehicles (LCVs)
          1. By Value
        4. Heavy Commercial Vehicles (HCVs)
          1. By Value
      4. By Application
        1. Introduction
          1. Application By Value
        2. Individual Vehicle Insurance
          1. By Value
        3. Commercial Insurance
          1. By Value
        4. Shared Mobility Platforms
          1. By Value
        5. Pay-Per-Mile Leasing Models
          1. By Value
        6. OEM-Integrated Insurance
          1. By Value
    7. Korea
    8. Japan
    9. India
    10. Australia
    11. Taiwan
    12. South East Asia
    13. Rest of Asia-Pacific
    1. Introduction
    2. By Policy Type
      1. Introduction
        1. Policy Type By Value
      2. Pay-As-You-Drive (PAYD)
        1. By Value
      3. Pay-How-You-Drive (PHYD)
        1. By Value
      4. Manage-How-You-Drive (MHYD)
        1. By Value
      5. Pay-As-You-Go (PAYG)
        1. By Value
      6. Distance-Based Insurance
        1. By Value
    3. By Technology Type
      1. Introduction
        1. Technology Type By Value
      2. On-Board Diagnostics (OBD-II) Devices
        1. By Value
      3. Embedded Telematics Systems
        1. By Value
      4. Smartphone-Based Platforms
        1. By Value
      5. Black-Box Devices
        1. By Value
      6. Hybrid Data Models
        1. By Value
    4. By Vehicle Type
      1. Introduction
        1. Vehicle Type By Value
      2. Passenger Cars
        1. By Value
      3. Light Commercial Vehicles (LCVs)
        1. By Value
      4. Heavy Commercial Vehicles (HCVs)
        1. By Value
    5. By Application
      1. Introduction
        1. Application By Value
      2. Individual Vehicle Insurance
        1. By Value
      3. Commercial Insurance
        1. By Value
      4. Shared Mobility Platforms
        1. By Value
      5. Pay-Per-Mile Leasing Models
        1. By Value
      6. OEM-Integrated Insurance
        1. By Value
    6. UAE
      1. By Policy Type
        1. Introduction
          1. Policy Type By Value
        2. Pay-As-You-Drive (PAYD)
          1. By Value
        3. Pay-How-You-Drive (PHYD)
          1. By Value
        4. Manage-How-You-Drive (MHYD)
          1. By Value
        5. Pay-As-You-Go (PAYG)
          1. By Value
        6. Distance-Based Insurance
          1. By Value
      2. By Technology Type
        1. Introduction
          1. Technology Type By Value
        2. On-Board Diagnostics (OBD-II) Devices
          1. By Value
        3. Embedded Telematics Systems
          1. By Value
        4. Smartphone-Based Platforms
          1. By Value
        5. Black-Box Devices
          1. By Value
        6. Hybrid Data Models
          1. By Value
      3. By Vehicle Type
        1. Introduction
          1. Vehicle Type By Value
        2. Passenger Cars
          1. By Value
        3. Light Commercial Vehicles (LCVs)
          1. By Value
        4. Heavy Commercial Vehicles (HCVs)
          1. By Value
      4. By Application
        1. Introduction
          1. Application By Value
        2. Individual Vehicle Insurance
          1. By Value
        3. Commercial Insurance
          1. By Value
        4. Shared Mobility Platforms
          1. By Value
        5. Pay-Per-Mile Leasing Models
          1. By Value
        6. OEM-Integrated Insurance
          1. By Value
    7. Turkey
    8. Saudi Arabia
    9. South Africa
    10. Egypt
    11. Nigeria
    12. Rest of MEA
    1. Introduction
    2. By Policy Type
      1. Introduction
        1. Policy Type By Value
      2. Pay-As-You-Drive (PAYD)
        1. By Value
      3. Pay-How-You-Drive (PHYD)
        1. By Value
      4. Manage-How-You-Drive (MHYD)
        1. By Value
      5. Pay-As-You-Go (PAYG)
        1. By Value
      6. Distance-Based Insurance
        1. By Value
    3. By Technology Type
      1. Introduction
        1. Technology Type By Value
      2. On-Board Diagnostics (OBD-II) Devices
        1. By Value
      3. Embedded Telematics Systems
        1. By Value
      4. Smartphone-Based Platforms
        1. By Value
      5. Black-Box Devices
        1. By Value
      6. Hybrid Data Models
        1. By Value
    4. By Vehicle Type
      1. Introduction
        1. Vehicle Type By Value
      2. Passenger Cars
        1. By Value
      3. Light Commercial Vehicles (LCVs)
        1. By Value
      4. Heavy Commercial Vehicles (HCVs)
        1. By Value
    5. By Application
      1. Introduction
        1. Application By Value
      2. Individual Vehicle Insurance
        1. By Value
      3. Commercial Insurance
        1. By Value
      4. Shared Mobility Platforms
        1. By Value
      5. Pay-Per-Mile Leasing Models
        1. By Value
      6. OEM-Integrated Insurance
        1. By Value
    6. Brazil
      1. By Policy Type
        1. Introduction
          1. Policy Type By Value
        2. Pay-As-You-Drive (PAYD)
          1. By Value
        3. Pay-How-You-Drive (PHYD)
          1. By Value
        4. Manage-How-You-Drive (MHYD)
          1. By Value
        5. Pay-As-You-Go (PAYG)
          1. By Value
        6. Distance-Based Insurance
          1. By Value
      2. By Technology Type
        1. Introduction
          1. Technology Type By Value
        2. On-Board Diagnostics (OBD-II) Devices
          1. By Value
        3. Embedded Telematics Systems
          1. By Value
        4. Smartphone-Based Platforms
          1. By Value
        5. Black-Box Devices
          1. By Value
        6. Hybrid Data Models
          1. By Value
      3. By Vehicle Type
        1. Introduction
          1. Vehicle Type By Value
        2. Passenger Cars
          1. By Value
        3. Light Commercial Vehicles (LCVs)
          1. By Value
        4. Heavy Commercial Vehicles (HCVs)
          1. By Value
      4. By Application
        1. Introduction
          1. Application By Value
        2. Individual Vehicle Insurance
          1. By Value
        3. Commercial Insurance
          1. By Value
        4. Shared Mobility Platforms
          1. By Value
        5. Pay-Per-Mile Leasing Models
          1. By Value
        6. OEM-Integrated Insurance
          1. By Value
    7. Mexico
    8. Argentina
    9. Chile
    10. Colombia
    11. Rest of LATAM
    1. Usage-based Insurance UBI Market Share By Players
    2. M&A Agreements & Collaboration Analysis
    1. Progressive Corporation
      1. Overview
      2. Business Information
      3. Revenue
      4. ASP
      5. SWOT Analysis
      6. Recent Developments
    2. State Farm Mutual Automobile Insurance Company
    3. Allstate Corporation
    4. Liberty Mutual Insurance
    5. Allianz SE
    6. AXA SA
    7. Zurich Insurance Group
    8. GEICO
    9. The Hartford Financial Services Group
    10. Farmers Insurance Group
    11. MetLife Inc.
    12. AIG
    13. MAPFRE S.A.
    14. Direct Line Group
    15. Tokio Marine Holdings, Inc.
    16. Aviva Plc
    17. China Pacific Insurance Company
    18. Munich Re Group
    19. Sompo Holdings, Inc.
    20. Admiral Group plc
    21. Others
    1. Research Data
      1. Secondary Data
        1. Major secondary sources
        2. Key data from secondary sources
      2. Primary Data
        1. Key data from primary sources
        2. Breakdown of primaries
      3. Secondary And Primary Research
        1. Key industry insights
    2. Market Size Estimation
      1. Bottom-Up Approach
      2. Top-Down Approach
      3. Market Projection
    3. Research Assumptions
      1. Assumptions
    4. Limitations
    5. Risk Assessment
    1. Discussion Guide
    2. Customization Options
    3. Related Reports
  3. Disclaimer

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