{"id":43149,"date":"2026-02-14T13:09:09","date_gmt":"2026-02-14T13:09:09","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/usage-based-insurance-market-mordor\/"},"modified":"2026-03-27T00:47:52","modified_gmt":"2026-03-26T15:47:52","slug":"usage-based-insurance-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/usage-based-insurance-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8 \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd (2026-2031\ub144)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/usage-based-insurance-market-1751259282614-major-players.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/usage-based-insurance-market-size-image-1768493623753.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-0\">1. \uc11c\ub860<\/p>\n<ul>\n<li class=\"toc-level-2\">1.1 \uc5f0\uad6c \uac00\uc815 \ubc0f \uc2dc\uc7a5 \uc815\uc758<\/li>\n<li class=\"toc-level-2\">1.2 \uc5f0\uad6c \ubc94\uc704<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-1\">2. \uc5f0\uad6c \ubc29\ubc95\ub860<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-2\">3. \uc694\uc57d<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-3\">4. \uc2dc\uc7a5 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">4.1 \uc2dc\uc7a5 \uac1c\uc694<\/li>\n<li class=\"toc-level-2\">4.2 \uc2dc\uc7a5 \ub3d9\uc778\n<ul>\n<li class=\"toc-level-3\">4.2.1 OEM \uc7a5\ucc29 \ucee4\ub125\ud2f0\ub4dc\uce74 \ud50c\ub7ab\ud3fc \ubcf4\uae09\ub960 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.2 \ube44\uc6a9\uc5d0 \ubbfc\uac10\ud55c \uc80a\uc740 \uc6b4\uc804\uc790\ub4e4\uc744 \uc720\uc778\ud558\ub294 \ub0ae\uc740 \ubcf4\ud5d8\ub8cc (\uc8fc\ub958)<\/li>\n<li class=\"toc-level-3\">4.2.3 \ub9c8\uc77c\ub9ac\uc9c0\ub2f9 \ubcf4\ud5d8\uc744 \ubb36\ub294 \ucc28\ub7c9 \uad00\ub9ac \ud50c\ub7ab\ud3fc (\uacfc\uc18c \ubcf4\uace0\ub428)<\/li>\n<li class=\"toc-level-3\">4.2.4 \ucc28\ub7c9 \ud638\ucd9c \uc571 \ub0b4 \uc784\ubca0\ub514\ub4dc \ubcf4\ud5d8 API (\uacfc\uc18c \ubcf4\uace0\ub428)<\/li>\n<li class=\"toc-level-3\">4.2.5 \uc190\ud574\uc728 \uac1c\uc120\uc5d0 \ubcf4\uc0c1\ud558\ub294 \ubcc0\ub3d9 \uc694\uc728 \uc7ac\ubcf4\ud5d8 \uc870\uc57d<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.3 \uc2dc\uc7a5 \uc81c\uc57d\n<ul>\n<li class=\"toc-level-3\">4.3.1 \uac15\ud654\ub41c \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \uaddc\uc81c (GDPR, CPRA)<\/li>\n<li class=\"toc-level-3\">4.3.2 \uc2a4\ub9c8\ud2b8\ud3f0 \uc804\uc6a9 \uc810\uc218 \uc0b0\uc815\uc744 \uc704\ud55c \ubd88\uc644\uc804\ud55c \ubcf4\ud5d8 \uacc4\ub9ac \uae30\ub85d (\uc8fc\ub958)<\/li>\n<li class=\"toc-level-3\">4.3.3 OEM \ub370\uc774\ud130 \uc811\uadfc \uc218\uc218\ub8cc\ub85c \uc778\ud55c \ube44\uc6a9 \uc99d\uac00 (\uacfc\uc18c \ubcf4\uace0\ub428)<\/li>\n<li class=\"toc-level-3\">4.3.4 ADAS \ubcf4\uae09\ub960 \uc99d\uac00\ub85c \uc778\ud55c \uc704\ud5d8 \ud480 \ucd95\uc18c (\uacfc\uc18c \ubcf4\uace0\ub428)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.4 \uac00\uce58 \/ \uacf5\uae09\ub9dd \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">4.5 \uaddc\uc81c \ud658\uacbd<\/li>\n<li class=\"toc-level-2\">4.6 \uae30\uc220 \uc804\ub9dd<\/li>\n<li class=\"toc-level-2\">4.7 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778\n<ul>\n<li class=\"toc-level-3\">4.7.1 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.2 \uad6c\ub9e4\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.3 \uacf5\uae09\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.4 \ub300\uccb4\uc7ac\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.5 \uacbd\uc7c1 \uac15\ub3c4<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-4\">5. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc608\uce21 (\uac00\uce58, USD Bn)<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \ud328\ud0a4\uc9c0\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \uc8fc\ud589\uac70\ub9ac \uc5f0\ub3d9 \ubcf4\ud5d8 (PAYD)<\/li>\n<li class=\"toc-level-3\">5.1.2 \uc6b4\uc804 \uc2b5\uad00 \uc5f0\ub3d9 \ubcf4\ud5d8 (PHYD)<\/li>\n<li class=\"toc-level-3\">5.1.3 \uc6b4\uc804 \uad00\ub9ac (MHYD)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \uae30\uc220\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 OBD-II \ub3d9\uae00<\/li>\n<li class=\"toc-level-3\">5.2.2 \uc2a4\ub9c8\ud2b8\ud3f0 \uae30\ubc18<\/li>\n<li class=\"toc-level-3\">5.2.3 \ube14\ub799\ubc15\uc2a4\/\uc560\ud504\ud130\ub9c8\ucf13 \uc7a5\uce58<\/li>\n<li class=\"toc-level-3\">5.2.4 \uc784\ubca0\ub514\ub4dc \ud154\ub808\ub9e4\ud2f1\uc2a4 (OEM)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \ucc28\ub7c9 \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uc2b9\uc6a9\ucc28<\/li>\n<li class=\"toc-level-3\">5.3.2 \uc0c1\uc6a9\ucc28<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \ubd81\ubbf8\n<ul>\n<li class=\"toc-level-4\">5.4.1.1 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.1.2 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.4.1.3 \uba55\uc2dc\ucf54<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-3\">5.4.2 \ub0a8\ubbf8\n<ul>\n<li class=\"toc-level-4\">5.4.2.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.4.2.2 \ud398\ub8e8<\/li>\n<li class=\"toc-level-4\">5.4.2.3 \uce60\ub808<\/li>\n<li class=\"toc-level-4\">5.4.2.4 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.4.2.5 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-3\">5.4.3 \uc720\ub7fd\n<ul>\n<li class=\"toc-level-4\">5.4.3.1 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.4.3.2 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.3.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.4.3.4 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.4.3.5 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.4.3.6 \ubca0\ub124\ub8e9\uc2a4 (\ubca8\uae30\uc5d0, \ub124\ub35c\ub780\ub4dc, \ub8e9\uc148\ubd80\ub974\ud06c)<\/li>\n<li class=\"toc-level-4\">5.4.3.7 \ubd81\uc720\ub7fd (\uc2a4\uc6e8\ub374, \ub178\ub974\uc6e8\uc774, \ub374\ub9c8\ud06c, \ud540\ub780\ub4dc)<\/li>\n<li class=\"toc-level-4\">5.4.3.8 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-3\">5.4.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591\n<ul>\n<li class=\"toc-level-4\">5.4.4.1 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.4.2 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.4.4.3 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.4.4.4 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.4.5 \ud638\uc8fc<\/li>\n<li class=\"toc-level-4\">5.4.4.6 \ub3d9\ub0a8\uc544\uc2dc\uc544<\/li>\n<li class=\"toc-level-4\">5.4.4.7 \uc778\ub3c4\ub124\uc2dc\uc544<\/li>\n<li class=\"toc-level-4\">5.4.4.8 \uc544\uc2dc\uc544 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-3\">5.4.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74\n<ul>\n<li class=\"toc-level-4\">5.4.5.1 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/li>\n<li class=\"toc-level-4\">5.4.5.2 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.4.5.3 \ub0a8\uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.4.5.4 \ub098\uc774\uc9c0\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.4.5.5 \uc911\ub3d9 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-5\">6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">6.1 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4<\/li>\n<li class=\"toc-level-2\">6.2 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784<\/li>\n<li class=\"toc-level-2\">6.3 \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">6.4 \uae30\uc5c5 \ud504\ub85c\ud544 (\uae00\ub85c\ubc8c \uc218\uc900 \uac1c\uc694, \uc2dc\uc7a5 \uc218\uc900 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uc0ac\uc6a9 \uac00\ub2a5\ud55c \uc7ac\ubb34 \uc815\ubcf4, \uc804\ub7b5 \uc815\ubcf4, \uc8fc\uc694 \uae30\uc5c5\uc758 \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4, \ucd5c\uadfc \uac1c\ubc1c \ud3ec\ud568)\n<ul>\n<li class=\"toc-level-3\">6.4.1 Progressive Corporation<\/li>\n<li class=\"toc-level-3\">6.4.2 Allstate Corporation<\/li>\n<li class=\"toc-level-3\">6.4.3 State Farm Insurance<\/li>\n<li class=\"toc-level-3\">6.4.4 Liberty Mutual Insurance<\/li>\n<li class=\"toc-level-3\">6.4.5 Aviva plc<\/li>\n<li class=\"toc-level-3\">6.4.6 Generali Group<\/li>\n<li class=\"toc-level-3\">6.4.7 AXA Group<\/li>\n<li class=\"toc-level-3\">6.4.8 Zurich Insurance Group<\/li>\n<li class=\"toc-level-3\">6.4.9 Desjardins Insurance<\/li>\n<li class=\"toc-level-3\">6.4.10 MAPFRE S.A.<\/li>\n<li class=\"toc-level-3\">6.4.11 Metromile Insurance<\/li>\n<li class=\"toc-level-3\">6.4.12 Root Insurance<\/li>\n<li class=\"toc-level-3\">6.4.13 Nationwide Mutual<\/li>\n<li class=\"toc-level-3\">6.4.14 USAA<\/li>\n<li class=\"toc-level-3\">6.4.15 Allianz SE<\/li>\n<li class=\"toc-level-3\">6.4.16 Vodafone Automotive<\/li>\n<li class=\"toc-level-3\">6.4.17 Octo Telematics<\/li>\n<li class=\"toc-level-3\">6.4.18 Cambridge Mobile Telematics<\/li>\n<li class=\"toc-level-3\">6.4.19 Insure The Box (Aioi NTT)<\/li>\n<li class=\"toc-level-3\">6.4.20 By Miles<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-6\">7. \uc2dc\uc7a5 \uae30\ud68c \ubc0f \ubbf8\ub798 \uc804\ub9dd<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8 \uc2dc\uc7a5 \uac1c\uc694 \ubc0f \ubd84\uc11d \ubcf4\uace0\uc11c (2031\ub144 \uc804\ub9dd)<\/p>\n<p>\uc11c\ub860<br \/>\n\uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8(Usage-Based Insurance, UBI) \uc2dc\uc7a5\uc740 \ud154\ub808\ub9e4\ud2f1\uc2a4 \uae30\uc220\uc758 \ubc1c\uc804\uacfc \uaddc\uc81c \ud658\uacbd \ubcc0\ud654\uc5d0 \ud798\uc785\uc5b4 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2025\ub144 303.1\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc5d0\uc11c 2031\ub144\uc5d0\ub294 691.8\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc608\uce21 \uae30\uac04(2026-2031\ub144) \ub3d9\uc548 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR) 14.76%\ub97c \uae30\ub85d\ud560 \uc804\ub9dd\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5\uc740 \uaddc\uc81c \ub2f9\uad6d\uc774 \ud154\ub808\ub9e4\ud2f1\uc2a4\ub97c \ud575\uc2ec \uc778\ud504\ub77c\ub85c \uac04\uc8fc\ud558\uace0 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc815\uc801\uc778 \ubcf4\ud5d8\ub8cc \uc0b0\uc815 \ubc29\uc2dd\uc5d0\uc11c \uc2e4\uc2dc\uac04 \ud589\ub3d9 \ubd84\uc11d\uc73c\ub85c \uc804\ud658\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\ub294 \ub370 \uae30\uc778\ud569\ub2c8\ub2e4. \uc0c1\uc5c5\uc6a9 \ucc28\ub7c9, \uc784\ubca0\ub514\ub4dc \ubcf4\ud5d8 API, OEM \uc7a5\ucc29 \ucee4\ub125\ud2f0\ub4dc \uce74 \ud50c\ub7ab\ud3fc\uc758 \ud655\uc0b0\uc740 \ub370\uc774\ud130 \ubcfc\ub968\uc744 \uc99d\uac00\uc2dc\ucf1c \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc804\ub840 \uc5c6\ub294 \uc815\ubc00\ub3c4\ub85c \ubcf4\ud5d8\ub8cc\ub97c \uc0b0\uc815\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub3d9\uc2dc\uc5d0 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uaddc\uc81c \uac15\ud654\uc640 \ucca8\ub2e8 \uc6b4\uc804\uc790 \ubcf4\uc870 \uc2dc\uc2a4\ud15c(ADAS) \ubcf4\uae09\ub960 \uc99d\uac00\ub294 \ud601\uc2e0\uacfc \uaddc\uc81c \uc900\uc218 \uc0ac\uc774\uc758 \uade0\ud615\uc744 \uc694\uad6c\ud558\uba70 \uc2dc\uc7a5\uc5d0 \ub3c4\uc804 \uacfc\uc81c\ub97c \uc81c\uc2dc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uac1c\uc694<br \/>\n\ubcf8 \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74, \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8 \uc2dc\uc7a5\uc740 2025\ub144 303.1\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2026\ub144 347.9\uc5b5 \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud55c \ud6c4, 2031\ub144\uc5d0\ub294 691.8\uc5b5 \ub2ec\ub7ec\uc5d0 \ub3c4\ub2ec\ud558\uba70 2026\ub144\ubd80\ud130 2031\ub144\uae4c\uc9c0 14.76%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uce21\ub429\ub2c8\ub2e4. \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5\uc740 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774\uba70, \uc720\ub7fd\uc774 \uac00\uc7a5 \ud070 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\ub294 \uc911\uac04 \uc218\uc900\uc73c\ub85c \ud3c9\uac00\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \ubcf4\uace0\uc11c \uc694\uc57d<br \/>\n*   \ud328\ud0a4\uc9c0 \uc720\ud615\ubcc4: Pay-How-You-Drive(PHYD)\uac00 2025\ub144 \uc804 \uc138\uacc4 \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8 \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 33.78%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, Manage-How-You-Drive(MHYD)\ub294 2031\ub144\uae4c\uc9c0 12.98%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   \ucc28\ub7c9 \uc720\ud615\ubcc4: \uc0c1\uc5c5\uc6a9 \ucc28\ub7c9\uc774 2025\ub144 \uc2dc\uc7a5 \uaddc\ubaa8\uc758 22.12%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, 2026\ub144\ubd80\ud130 2031\ub144\uae4c\uc9c0 16.21%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \ud655\ub300\ub420 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<br \/>\n*   \uae30\uc220 \uc720\ud615\ubcc4: OBD-II \ub3d9\uae00\uc774 2025\ub144 34.69%\uc758 \ub9e4\ucd9c \uc810\uc720\uc728\ub85c \uc120\ub450\ub97c \ub2ec\ub838\uc73c\uba70, \uc2a4\ub9c8\ud2b8\ud3f0 \uae30\ubc18 \uc2dc\uc2a4\ud15c\uc740 2031\ub144\uae4c\uc9c0 14.05%\uc758 \uac00\uc7a5 \ube60\ub978 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc608\uce21\ub429\ub2c8\ub2e4.<br \/>\n*   \uc9c0\uc5ed\ubcc4: \uc720\ub7fd\uc774 2025\ub144 26.45%\uc758 \ub9e4\ucd9c \uc810\uc720\uc728\uc744 \uc720\uc9c0\ud588\uc73c\uba70, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 2031\ub144\uae4c\uc9c0 17.22%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\uc778<br \/>\n*   OEM \uc7a5\ucc29 \ucee4\ub125\ud2f0\ub4dc \uce74 \ud50c\ub7ab\ud3fc\uc758 \ubcf4\uae09 \ud655\ub300: \uc790\ub3d9\ucc28 \uc81c\uc870\uc5c5\uccb4\ub4e4\uc774 \ucee4\ub125\ud2f0\ub4dc \uce74\ub97c \ud45c\uc900 \uc7a5\ube44\ub85c \ucd9c\uace0\ud558\uace0 EU \ub370\uc774\ud130\ubc95\uc5d0 \ub530\ub77c \ubcf4\ud5d8\uc0ac\uc640 \uc0c1\uc138\ud55c \uc6b4\uc804 \ub370\uc774\ud130\ub97c \uacf5\uc720\ud558\uba74\uc11c \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uacac\uc778\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2030\ub144\uae4c\uc9c0 EU \ucee4\ub125\ud2f0\ub4dc \ucc28\ub7c9\uc740 1\uc5b5 7,700\ub9cc \ub300\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc774\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc778\uc218 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uace0 \ubcf4\ud5d8 \uac00\uc785\uc790\uc758 \ucc38\uc5ec\ub97c \uc720\ub3c4\ud558\ub294 \uc0c1\uc2dc \uc704\ud5d8 \uc810\uc218 \uc0b0\uc815\uc758 \uae30\ubc18\uc744 \ub9c8\ub828\ud569\ub2c8\ub2e4. \uae30\uc544\uc640 LexisNexis\uc758 \ud30c\ud2b8\ub108\uc2ed\uc740 OEM\uc758 \ub370\uc774\ud130 \uc218\uc775\ud654\uc640 \ubcf4\ud5d8\uc0ac\uc758 \uc190\uc2e4\ub960 \uac10\uc18c \ubc0f \uc720\uc9c0\uc728 \ud5a5\uc0c1\uc774\ub77c\ub294 \uc0c1\ud638 \uc774\uc775\uc744 \ubcf4\uc5ec\uc8fc\ub294 \ub300\ud45c\uc801\uc778 \uc0ac\ub840\uc785\ub2c8\ub2e4.<br \/>\n*   \ube44\uc6a9\uc5d0 \ubbfc\uac10\ud55c \uc80a\uc740 \uc6b4\uc804\uc790\ub4e4\uc744 \uc720\uc778\ud558\ub294 \ub0ae\uc740 \ubcf4\ud5d8\ub8cc: \uc778\ud50c\ub808\uc774\uc158\uacfc \uc784\uae08 \uc815\uccb4\ub294 \uc2e0\uaddc \ubcf4\ud5d8 \uac00\uc785\uc790\ub4e4\uc774 \uac00\uc785 \uc2dc 5~20%, \uc7ac\uc0b0\uc815 \uc2dc \ucd5c\ub300 50%\uc758 \ud560\uc778 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 UBI \uc0c1\ud488\uc73c\ub85c \ub208\uc744 \ub3cc\ub9ac\uac8c \ud569\ub2c8\ub2e4. 2024\ub144 \ubbf8\uad6d\uc5d0\uc11c \uc2e0\uaddc \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uac00\uc785\uc790\uc758 26%\uac00 \ud154\ub808\ub9e4\ud2f1\uc2a4 \uc5f0\uacc4 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud588\uc73c\uba70, \uc774\ub294 \uae30\uc874 \uc0c1\ud488 \ub300\ube44 \ub192\uc740 \ub9cc\uc871\ub3c4\ub97c \ubcf4\uc600\uc2b5\ub2c8\ub2e4. \uc2a4\ub9c8\ud2b8\ud3f0 \ud154\ub808\ub9e4\ud2f1\uc2a4\ub294 \ud558\ub4dc\uc6e8\uc5b4 \ube44\uc6a9\uc744 \uc5c6\uc560 \uac00\uaca9\uc5d0 \ubbfc\uac10\ud55c \uc6b4\uc804\uc790\ub4e4\uc758 \uc9c4\uc785 \uc7a5\ubcbd\uc744 \ub0ae\ucda5\ub2c8\ub2e4.<br \/>\n*   \ud398\uc774-\ud37c-\ub9c8\uc77c(Pay-Per-Mile) \ubcf4\ud5d8\uc744 \ubc88\ub4e4\ub85c \uc81c\uacf5\ud558\ub294 \ucc28\ub7c9 \uad00\ub9ac \ud50c\ub7ab\ud3fc: \uc0c1\uc5c5\uc6a9 \ud154\ub808\ub9e4\ud2f1\uc2a4 \uacf5\uae09\uc5c5\uccb4\ub4e4\uc740 \uc774\ubbf8 \uacbd\ub85c \ucd5c\uc801\ud654, \uc5f0\ub8cc \uad00\ub9ac, \uaddc\uc81c \uc900\uc218\ub97c \uc704\ud55c \ub300\uc2dc\ubcf4\ub4dc\uc5d0 \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8\ub8cc\ub97c \uc9c1\uc811 \ud1b5\ud569\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud638\uc8fc\uc640 \ub274\uc9c8\ub79c\ub4dc\uc758 \ucc28\ub7c9 \uad00\ub9ac \uc7a5\uce58 \uc218\ub294 2024\ub144 160\ub9cc \ub300\uc5d0\uc11c 2028\ub144 270\ub9cc \ub300\ub85c \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc774\ub294 \uc0c1\uc5c5\uc6a9 UBI \ucc44\ud0dd\uc744 \ucd09\uc9c4\ud560 \uac83\uc785\ub2c8\ub2e4. \uc6b4\uc601\uc790\ub4e4\uc740 GPS \uae30\ubc18 \uc810\uc218 \uc0b0\uc815 \ub3c4\uc785 \ud6c4 \ubcf4\ud5d8\ub8cc 20% \uc808\uac10 \ubc0f \uc0ac\uace0 \ube44\uc6a9 19% \uac10\uc18c\ub97c \ubcf4\uace0\ud558\uba70, \uc0c1\uc5c5\uc6a9 \ucc28\ub7c9\uc774 UBI \uc2dc\uc7a5\uc758 \ud575\uc2ec \uace0\uac1d\uc784\uc744 \uc785\uc99d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ucc28\ub7c9 \ud638\ucd9c \uc571 \ub0b4 \uc784\ubca0\ub514\ub4dc \ubcf4\ud5d8 API: \ubaa8\ube4c\ub9ac\ud2f0 \ud50c\ub7ab\ud3fc\uc740 \uc218\ub3d9 \uac00\uc785 \uc5c6\uc774 \uacb0\uc81c \uc2dc\uc810\uc5d0 \ubcf4\ud5d8\ub8cc\ub97c \ud1b5\ud569\ud558\uc5ec \uc2b9\uac1d\uc744 \ubcf4\ud638\ud569\ub2c8\ub2e4. Cover Genius\ub294 8\ucc9c\ub9cc \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc2dc\ub9ac\uc988 E \ud22c\uc790 \uc720\uce58 \ud6c4 \ub9e4\ucd9c\uc758 25%\ub97c \ubaa8\ube4c\ub9ac\ud2f0 \ud504\ub85c\uadf8\ub7a8\uc5d0 \ud560\ub2f9\ud558\uba70 \ud22c\uc790\uc790\ub4e4\uc758 \uc2e0\ub8b0\ub97c \ubcf4\uc5ec\uc8fc\uc5c8\uc2b5\ub2c8\ub2e4. Chubb\uc758 Ride Cover\ub294 \ucde8\uc18c \ubc0f \uc0ac\uace0 \ud61c\ud0dd\uc744 \ubc88\ub4e4\ub85c \uc81c\uacf5\ud558\uc5ec \uc628\ub514\ub9e8\ub4dc \uc18c\ube44 \ud328\ud134\uc5d0 \ubd80\ud569\ud569\ub2c8\ub2e4. \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc758 \uc2b9\uac1d\ub4e4\uc740 \uc774\ub7ec\ud55c \ub9c8\ucc30 \uc5c6\ub294 \ubcf4\ud5d8 \uac00\uc785\uc744 \ube60\ub974\uac8c \ucc44\ud0dd\ud558\uba70 UBI \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc5d0 \uae30\uc5ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc190\uc2e4\ub960 \uac1c\uc120\uc5d0 \ubcf4\uc0c1\ud558\ub294 \ubcc0\ub3d9 \uae08\ub9ac \uc7ac\ubcf4\ud5d8 \uc870\uc57d: \uc7ac\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc190\uc2e4\ub960 \uac1c\uc120\uc5d0 \ub530\ub77c \ubcc0\ub3d9\ud558\ub294 \uc7ac\ubcf4\ud5d8 \uc870\uc57d\uc744 \ud1b5\ud574 \uc0c8\ub85c\uc6b4 \uc790\ubcf8\uc744 \uc81c\uacf5\ud558\uba70, \uc774\ub294 \uc131\uc219 \uc2dc\uc7a5\uacfc \uc2e0\ud765 \uc2dc\uc7a5 \ubaa8\ub450\uc5d0\uc11c UBI \uc2dc\uc7a5\uc744 \ub354\uc6b1 \ud65c\uc131\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ucc28\ub7c9 \ub0b4 \uc774\ubca4\ud2b8 \ub370\uc774\ud130 \uae30\ub85d \uc7a5\uce58(EDR)\uc5d0 \ub300\ud55c \uc815\ubd80 \uc758\ubb34\ud654: \uc720\ub7fd\uc5d0\uc11c\ub294 EDR\uc5d0 \ub300\ud55c \uc815\ubd80 \uc758\ubb34\ud654\uac00 \uc989\uac01\uc801\uc73c\ub85c \uc2dc\ud589\ub418\uace0 \uc788\uc73c\uba70, \ubd81\ubbf8\uc5d0\uc11c\ub3c4 \ub17c\uc758 \uc911\uc785\ub2c8\ub2e4. \uc774\ub294 \uc0c8\ub85c\uc6b4 \ub370\uc774\ud130 \uc2a4\ud2b8\ub9bc\uc744 \ucc3d\ucd9c\ud558\uc5ec UBI \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \ucd09\uc9c4\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778<br \/>\n*   \uac15\ud654\ub41c \ub370\uc774\ud130 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uaddc\uc81c (GDPR, CPRA): \uc720\ub7fd \ub370\uc774\ud130 \ubcf4\ud638 \uc704\uc6d0\ud68c(EDPB)\uc758 \uba85\uc2dc\uc801 \ub3d9\uc758, \ud604\uc9c0 \ucc98\ub9ac, \ub370\uc774\ud130 \ucd5c\uc18c\ud654 \uc694\uad6c \uc0ac\ud56d\uc740 \ud574\ub2f9 \uc9c0\uc5ed\uc5d0\uc11c \uc6b4\uc601\ud558\ub294 \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uaddc\uc81c \uc900\uc218 \ube44\uc6a9\uc744 \uc99d\uac00\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uce98\ub9ac\ud3ec\ub2c8\uc544\uc758 CPRA\uc640 \uac19\uc740 \uc9c0\uc5ed\ubcc4 \uaddc\uc81c\ub294 \ucd94\uac00\uc801\uc778 \ud30c\ud3b8\ud654\ub97c \uc57c\uae30\ud558\uc5ec \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \ub2e4\uc591\ud55c \uaddc\uc81c \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\uae30 \uc704\ud574 \ubcd1\ub82c\uc801\uc778 \ub3d9\uc758 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uad6c\ucd95\ud558\ub3c4\ub85d \uac15\uc81c\ud569\ub2c8\ub2e4. \uc774\ub294 UBI \uc2dc\uc7a5\uc5d0\uc11c \uaddc\ubaa8\uc758 \uacbd\uc81c\ub97c \uc81c\ud55c\ud558\uace0 \uc751\uc9d1\ub825 \uc788\ub294 \ud154\ub808\ub9e4\ud2f1\uc2a4 \uc810\uc218 \ubaa8\ub378 \uac1c\ubc1c\uc744 \ubc29\ud574\ud569\ub2c8\ub2e4.<br \/>\n*   \uc2a4\ub9c8\ud2b8\ud3f0 \uc804\uc6a9 \uc810\uc218 \uc0b0\uc815\uc758 \ubd88\uc644\uc804\ud55c \ubcf4\ud5d8 \ud1b5\uacc4 \uae30\ub85d: \uc13c\uc11c \uc774\uc9c8\uc131, \ubc30\ud130\ub9ac \uad00\ub9ac, \uc0ac\uc6a9\uc790 \ud589\ub3d9\uc740 \ubaa8\uc158 \ub370\uc774\ud130\ub97c \uc65c\uace1\ud558\uc5ec OBD-II \ud558\ub4dc\uc6e8\uc5b4\uc5d0 \ube44\ud574 \uc608\uce21\ub825\uc744 \uc57d\ud654\uc2dc\ud0a4\ub294 \ub178\uc774\uc988\ub97c \ubc1c\uc0dd\uc2dc\ud0b5\ub2c8\ub2e4. \ubcf4\ud5d8 \uacc4\ub9ac\uc0ac\ub4e4\uc740 \uc77c\uad00\uc131 \uc5c6\ub294 \uc190\uc2e4\ub960 \uac1c\uc120\uc744 \uc9c0\uc801\ud558\uba70 \ubaa8\ub378\uc774 \uc548\uc815\ud654\ub420 \ub54c\uae4c\uc9c0 \ud63c\ud569 \ub370\uc774\ud130 \uc804\ub7b5\uc744 \uad8c\uace0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc21c\uc218 \ubaa8\ubc14\uc77c UBI \ucc44\ud0dd\uc744 \ub2a6\ucd94\uc9c0\ub9cc, \uc9c0\uc18d\uc801\uc778 \ud38c\uc6e8\uc5b4 \ubc0f \ubd84\uc11d \ubc1c\uc804\uc73c\ub85c \uaca9\ucc28\uac00 \ud574\uc18c\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   OEM \ub370\uc774\ud130 \uc811\uadfc \uc218\uc218\ub8cc\ub85c \uc778\ud55c \ube44\uc6a9 \uc99d\uac00: OEM\ub4e4\uc774 \ub370\uc774\ud130 \uc811\uadfc\uc5d0 \ub300\ud55c \uc218\uc218\ub8cc\ub97c \ubd80\uacfc\ud558\uba74\uc11c \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \ube44\uc6a9 \uae30\ubc18\uc774 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \ud504\ub9ac\ubbf8\uc5c4 \ube0c\ub79c\ub4dc\uc758 \uacbd\uc6b0 \uc774\ub7ec\ud55c \ube44\uc6a9\uc774 \ub354\uc6b1 \ub450\ub4dc\ub7ec\uc9c0\uac8c \ub098\ud0c0\ub098 \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uc218\uc775\uc131\uc5d0 \uc555\ubc15\uc744 \uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ub2e4\uc591\ud55c \ub370\uc774\ud130 \uc18c\uc2a4 \ud1b5\ud569\uc758 \ubcf5\uc7a1\uc131: OEM, \uc2a4\ub9c8\ud2b8\ud3f0 \uc571, \uc560\ud504\ud130\ub9c8\ucf13 \uc7a5\uce58 \ub4f1 \ub2e4\uc591\ud55c \ucd9c\ucc98\uc5d0\uc11c \uc218\uc9d1\ub418\ub294 \ub370\uc774\ud130\ub294 \ud615\uc2dd, \ud488\uc9c8, \uc804\uc1a1 \ud504\ub85c\ud1a0\ucf5c\uc774 \uc0c1\uc774\ud558\uc5ec \ud1b5\ud569 \ubc0f \ud45c\uc900\ud654\uc5d0 \uc0c1\ub2f9\ud55c \uae30\uc220\uc801 \ub178\ub825\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc774\uc9c8\uc131\uc740 \ub370\uc774\ud130 \ubd84\uc11d\uc758 \ud6a8\uc728\uc131\uc744 \uc800\ud574\ud558\uace0 \uc815\ud655\ud55c \uc704\ud5d8 \ud3c9\uac00 \ubaa8\ub378 \uad6c\ucd95\uc744 \uc5b4\ub835\uac8c \ud569\ub2c8\ub2e4.<br \/>\n*   \uc18c\ube44\uc790 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uc6b0\ub824 \ubc0f \uc2e0\ub8b0 \ubd80\uc871: UBI\ub294 \uc6b4\uc804 \ud589\ub3d9\uc5d0 \ub300\ud55c \ubbfc\uac10\ud55c \ub370\uc774\ud130\ub97c \uc218\uc9d1\ud558\ubbc0\ub85c, \uc18c\ube44\uc790\ub4e4\uc774 \uc790\uc2e0\uc758 \uc815\ubcf4\uac00 \uc5b4\ub5bb\uac8c \uc0ac\uc6a9\ub418\uace0 \ubcf4\ud638\ub418\ub294\uc9c0\uc5d0 \ub300\ud574 \uc6b0\ub824\ub97c \ud45c\uba85\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ub370\uc774\ud130 \uc0ac\uc6a9\uc5d0 \ub300\ud55c \ud22c\uba85\uc131\uc744 \ub192\uc774\uace0 \uac15\ub825\ud55c \ubcf4\uc548 \uc870\uce58\ub97c \ud1b5\ud574 \uc2e0\ub8b0\ub97c \uad6c\ucd95\ud574\uc57c \ud558\uc9c0\ub9cc, \uc774\ub294 \uc5ec\uc804\ud788 \uc911\uc694\ud55c \uacfc\uc81c\ub85c \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   UBI \ubaa8\ub378\uc758 \ud22c\uba85\uc131 \ubd80\uc871: \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc0ac\uc6a9\ud558\ub294 UBI \uc810\uc218 \uc0b0\uc815 \ubaa8\ub378\uc740 \uc885\uc885 &#8216;\ube14\ub799\ubc15\uc2a4&#8217;\ub85c \uac04\uc8fc\ub418\uc5b4 \uc18c\ube44\uc790\ub4e4\uc774 \uc790\uc2e0\uc758 \ubcf4\ud5d8\ub8cc\uac00 \uc5b4\ub5bb\uac8c \uacb0\uc815\ub418\ub294\uc9c0 \uc774\ud574\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud22c\uba85\uc131 \ubd80\uc871\uc740 \uc18c\ube44\uc790 \ubd88\ub9cc\uc744 \uc57c\uae30\ud558\uace0 UBI \ud504\ub85c\uadf8\ub7a8\uc758 \uad11\ubc94\uc704\ud55c \ucc44\ud0dd\uc744 \uc800\ud574\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uaddc\uc81c \ud658\uacbd\uc758 \ubd88\ud655\uc2e4\uc131: UBI \uc2dc\uc7a5\uc740 \ube60\ub974\uac8c \ubc1c\uc804\ud558\uace0 \uc788\uc9c0\ub9cc, \ub370\uc774\ud130 \uc218\uc9d1, \uc0ac\uc6a9 \ubc0f \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638\uc5d0 \ub300\ud55c \uba85\ud655\ud558\uace0 \ud1b5\uc77c\ub41c \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c\uac00 \uc544\uc9c1 \uc644\uc804\ud788 \ud655\ub9bd\ub418\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uaddc\uc81c \ubd88\ud655\uc2e4\uc131\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc0c8\ub85c\uc6b4 UBI \uc0c1\ud488\uc744 \uac1c\ubc1c\ud558\uace0 \ucd9c\uc2dc\ud558\ub294 \ub370 \uc788\uc5b4 \uc704\ud5d8 \uc694\uc18c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4.<br \/>\n*   \uc18c\ube44\uc790 \ucc38\uc5ec \ubc0f \uc720\uc9c0\uc758 \uc5b4\ub824\uc6c0: UBI \ud504\ub85c\uadf8\ub7a8\uc740 \uc9c0\uc18d\uc801\uc778 \ub370\uc774\ud130 \uc218\uc9d1\uc744 \uc704\ud574 \uc18c\ube44\uc790\uc758 \uc801\uadf9\uc801\uc778 \ucc38\uc5ec\ub97c \uc694\uad6c\ud569\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc7a5\uae30\uc801\uc778 \ucc38\uc5ec\ub97c \uc720\ub3c4\ud558\uace0, \ud2b9\ud788 \ubcf4\ud5d8\ub8cc \ud560\uc778 \ud61c\ud0dd\uc774 \ubbf8\ubbf8\ud558\ub2e4\uace0 \ub290\ub07c\ub294 \uc18c\ube44\uc790\ub4e4\uc744 \uc720\uc9c0\ud558\ub294 \uac83\uc740 \uc27d\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc778\uc13c\ud2f0\ube0c \ubd80\uc871\uc774\ub098 \uc571 \uc0ac\uc6a9\uc758 \ubc88\uac70\ub85c\uc6c0\uc740 \ucc38\uc5ec\uc728 \uc800\ud558\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774 \ubcf4\uace0\uc11c\ub294 \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8(UBI) \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc0c1\uc138 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. UBI\ub294 \ubcf4\ud5d8 \ucc28\ub7c9\uc5d0\uc11c \uc218\uc9d1\ub41c \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud558\uc5ec \ubcf4\ud5d8\ub8cc\ub97c \uacb0\uc815\ud558\ub294 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc73c\ub85c, \ubcf8 \ubcf4\uace0\uc11c\ub294 \uc2dc\uc7a5 \uc5ed\ud559, \uc138\uadf8\uba3c\ud2b8 \ubc0f \uc9c0\uc5ed \uc2dc\uc7a5\uc758 \uc2e0\ud765 \ud2b8\ub80c\ub4dc, \ub2e4\uc591\ud55c \uc81c\ud488 \ubc0f \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \uc720\ud615\uc5d0 \ub300\ud55c \ud1b5\ucc30\ub825\uc744 \uc911\uc810\uc801\uc73c\ub85c \ub2e4\ub8f9\ub2c8\ub2e4. \ub610\ud55c \uc8fc\uc694 \ud50c\ub808\uc774\uc5b4 \ubc0f \uacbd\uc7c1 \ud658\uacbd\uc744 \ubd84\uc11d\ud569\ub2c8\ub2e4.<\/p>\n<p>\uae00\ub85c\ubc8c \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \ubcf4\ud5d8 \uc2dc\uc7a5\uc740 2026\ub144 347\uc5b5 9\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0\uc11c 2031\ub144\uae4c\uc9c0 691\uc5b5 8\ucc9c\ub9cc \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ud2b9\ud788 Manage-How-You-Drive (MHYD) \ud328\ud0a4\uc9c0\ub294 2031\ub144\uae4c\uc9c0 12.98%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR)\uc744 \uae30\ub85d\ud558\uba70 \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc138\uadf8\uba3c\ud2b8\uac00 \ub420 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5\uc740 \ud328\ud0a4\uc9c0(Pay-As-You-Drive(PAYD), Pay-How-You-Drive(PHYD), Manage-How-You-Drive(MHYD)), \uae30\uc220(OBD-II \ub3d9\uae00, \uc2a4\ub9c8\ud2b8\ud3f0 \uae30\ubc18, \ube14\ub799\ubc15\uc2a4\/\uc560\ud504\ud130\ub9c8\ucf13 \uc7a5\uce58, \uc784\ubca0\ub514\ub4dc \ud154\ub808\ub9e4\ud2f1\uc2a4), \ucc28\ub7c9 \uc720\ud615(\uc2b9\uc6a9\ucc28, \uc0c1\uc6a9\ucc28), \uadf8\ub9ac\uace0 \uc9c0\uc5ed(\ubd81\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591, \ub0a8\ubbf8, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74)\ubcc4\ub85c \uc138\ubd84\ud654\ub418\uc5b4 \ubd84\uc11d\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \uc8fc\uc694 \uc694\uc778\uc73c\ub85c\ub294 OEM \uc7a5\ucc29 \ucee4\ub125\ud2f0\ub4dc \uce74 \ud50c\ub7ab\ud3fc\uc758 \ubcf4\uae09 \ud655\ub300, \ube44\uc6a9\uc5d0 \ubbfc\uac10\ud55c \uc80a\uc740 \uc6b4\uc804\uc790\ub4e4\uc744 \uc720\uc778\ud558\ub294 \ub0ae\uc740 \ubcf4\ud5d8\ub8cc, \ud398\uc774\ud37c\ub9c8\uc77c(pay-per-mile) \ucee4\ubc84\ub97c \ubc88\ub4e4\ub85c \uc81c\uacf5\ud558\ub294 \ucc28\ub7c9 \uad00\ub9ac \ud50c\ub7ab\ud3fc, \ucc28\ub7c9 \ud638\ucd9c \uc571 \ub0b4 \uc784\ubca0\ub514\ub4dc \ubcf4\ud5d8 API, \uadf8\ub9ac\uace0 \uc190\uc2e4\ub960 \uac1c\uc120\uc5d0 \ubcf4\uc0c1\ud558\ub294 \ubcc0\ub3d9 \uc694\uc728 \uc7ac\ubcf4\ud5d8 \uc870\uc57d \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubc18\uba74, \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\uc73c\ub85c\ub294 GDPR \ubc0f CPRA\uc640 \uac19\uc740 \uac15\ud654\ub41c \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \uaddc\uc81c, \uc2a4\ub9c8\ud2b8\ud3f0 \uc804\uc6a9 \uc2a4\ucf54\uc5b4\ub9c1\uc758 \ubd88\ud655\uc2e4\ud55c \ubcf4\ud5d8 \uacc4\ub9ac \uc2e4\uc801, OEM \ub370\uc774\ud130 \uc811\uadfc \uc218\uc218\ub8cc\ub85c \uc778\ud55c \ube44\uc6a9 \uc99d\uac00, \uadf8\ub9ac\uace0 ADAS(\ucca8\ub2e8 \uc6b4\uc804\uc790 \ubcf4\uc870 \uc2dc\uc2a4\ud15c) \ubcf4\uae09 \ud655\ub300\uc5d0 \ub530\ub978 \uc704\ud5d8 \ud480 \ucd95\uc18c \ub4f1\uc774 \uc9c0\uc801\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc5ed\ubcc4\ub85c\ub294 \uc720\ub7fd\uc774 2025\ub144 \uc2dc\uc7a5 \uc810\uc720\uc728 26.45%\ub85c \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ucc28\uc9c0\ud558\uba70 \uc2dc\uc7a5\uc744 \uc120\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ubaa8\ub4e0 \uc2e0\ucc28\uc5d0 \uc758\ubb34\uc801\uc73c\ub85c \uc7a5\ucc29\ub418\ub294 \uc774\ubca4\ud2b8 \ub370\uc774\ud130 \ub808\ucf54\ub354(EDR) \uaddc\uc815\uc5d0 \ud798\uc785\uc740 \ubc14\uac00 \ud07d\ub2c8\ub2e4.<\/p>\n<p>\uae30\uc220 \uce21\uba74\uc5d0\uc11c\ub294 \uc804\ud1b5\uc801\uc778 OBD-II \ub3d9\uae00\uc744 \ub300\uccb4\ud558\uc5ec \uc2a4\ub9c8\ud2b8\ud3f0 \ud154\ub808\ub9e4\ud2f1\uc2a4\uc640 \uc784\ubca0\ub514\ub4dc OEM API\uac00 \ube60\ub974\uac8c \ud655\uc0b0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud558\ub4dc\uc6e8\uc5b4 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uace0 \uace0\uac1d \uc628\ubcf4\ub529\uc744 \uac04\uc18c\ud654\ud558\ub294 \uc774\uc810 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub370\uc774\ud130 \uc811\uadfc \uc218\uc218\ub8cc\uc640 \uc13c\uc11c \uac00\ubcc0\uc131\uc740 \uc5ec\uc804\ud788 \uacfc\uc81c\ub85c \ub0a8\uc544\uc788\uc2b5\ub2c8\ub2e4. \uc0c1\uc6a9\ucc28\ub7c9(fleet) \ubd80\ubb38\uc5d0\uc11c\ub294 \ud154\ub808\ub9e4\ud2f1\uc2a4 \ub3c4\uc785\uc744 \ud1b5\ud574 \ubcf4\ud5d8\ub8cc 20.1% \uc808\uac10 \ubc0f \uc0ac\uace0 \ube44\uc6a9 19% \uac10\uc18c \ud6a8\uacfc\ub97c \uc5bb\uc744 \uc218 \uc788\uc5b4, \uae30\uc874 \uc6b4\uc601 \ub300\uc2dc\ubcf4\ub4dc\uc5d0 \ubcf4\ud5d8\uc744 \ud1b5\ud569\ud558\ub824\ub294 \uc6c0\uc9c1\uc784\uc774 \uac00\uc18d\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\uace0\uc11c\ub294 Progressive Corporation, Allstate Corporation, AXA Group, Allianz SE \ub4f1 \uc8fc\uc694 \uc2dc\uc7a5 \ucc38\uc5ec\uc790\ub4e4\uc758 \uae00\ub85c\ubc8c \ubc0f \uc2dc\uc7a5 \uc218\uc900 \uac1c\uc694, \ud575\uc2ec \uc138\uadf8\uba3c\ud2b8, \uc7ac\ubb34 \uc815\ubcf4, \uc804\ub7b5\uc801 \uc815\ubcf4, \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4, \ucd5c\uadfc \uac1c\ubc1c \uc0ac\ud56d\uc744 \ud3ec\ud568\ud55c \uc0c1\uc138\ud55c \uae30\uc5c5 \ud504\ub85c\ud544\uc744 \uc81c\uacf5\ud558\uc5ec \uacbd\uc7c1 \ud658\uacbd\uc744 \ubd84\uc11d\ud569\ub2c8\ub2e4. \ub610\ud55c \uc2dc\uc7a5 \uae30\ud68c \ubc0f \ubbf8\ub798 \uc804\ub9dd, \ud2b9\ud788 \ubbf8\uac1c\ucc99 \uc2dc\uc7a5(white-space) \ubc0f \ubbf8\ucda9\uc871 \uc218\uc694\uc5d0 \ub300\ud55c \ud3c9\uac00\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-43149","post","type-post","status-publish","format-standard","hentry","category-market-reports"],"_links":{"self":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/43149"}],"collection":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/comments?post=43149"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/43149\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=43149"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=43149"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=43149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}