机动车商业保险行业基本费率表(A)款

2024年1月23日发(作者：本田锋范自动挡报价)

机动车商业保险行业基本费（中国保险行业协会制定

第三者责任保险家庭自用汽车与非营业用车6座以下6-10座10座以上6座以下6-10座10-20座20座以上6座以下6-10座10-20座20座以上2吨以下2-5吨5-10吨10吨以上5万10万1,9351,1071,2628107779261,2741,0191,3691,6992,31986615万1,1581,0371,0071,1291,0811,2571,4499168781,0461,4411,1521,5611,9252,62297920万1,2581,1191,1191,2171,1471,3611,5859889461,1291,5521,2421,6972,0892,8271,05530万1,4211,2531,2531,3031,2861,5311,7991,1061,0601,2641,7391,3911,9172,3483,1631,16250万100万1,7051,4911,4911,6231,5301,8312,1721,3171,2611,5052,0701,6562,3002,8063,7701,4082,2201,9431,9432,1132,0042,3042,8291,7161,6441,9662,6062,1572,9953,6544,9081,8331年以下保费6324624858373274354255233费率1.50%1.50%1.50%1.28%1.21%1.30%1.30%0.99%0.94%0.99%0.99%1.07%1.36%1.49%1.81%0.90%）757企业非营业客车775856575党政机关、552事业团体658非营业客车9057289471,193非营业货车1,646低速载货汽车614家庭自用汽车营业用车与特种车6座以下6-10座10-20座20－36座36座以上6-10座10-20座20－36座36座以上6-10座10-20座20－36座36座以上2吨以下2-5吨5-10吨10吨以上低速载货特种车一特种车二特种车三特种车四第三者责任保险5万1,6331,5401,6282,1893,1551,5091,6822,3322,8901,4771,6452,4223,2601,2482,0082,3053,1591,0602,9011,3936372,75610万2,4642,3242,4973,4574,8742,2782,5383,5844,5652,2292,4843,6554,9211,9453,1323,5954,9251,6544,6451,7938344,41315万2,8642,7012,9184,0795,7072,6482,9504,1915,3842,5922,8874,2465,7212,2893,6844,2305,7951,9455,5132,0259475,23820万3,1342,9563,2094,5206,2922,8973,2274,6145,9762,8353,1594,6496,2592,5214,0574,6576,3812,1426,1232,2401,05230万3,6373,4293,7435,3257,3553,3613,7455,3857,0313,2893,6655,3947,2612,9674,7765,4847,5122,5237,2702,7151,27950万100万4,6084,3464,7686,8439,3894,2604,7456,8659,0354,1694,6456,8359,2033,7205,9886,8749,4173,1629,1903,5571,6836,0615,7176,2729,00112,3495,6046,2439,02911,8855,4836,1098,99212,1074,8597,8218,97812,3004,13012,0035,2422,4662年以下保费9591659988271费率3.86%2.06%1.88%1.77%2.06%1.71%1.53%1.47%1.71%1.98%1.80%1.70%1.98%1.88%2.11%2.19%2.22%1.59%2.11%0.75%0.66%出租、租赁营业客车城市公交营业客车公路客运营业客车营业货车特种车6,1237,6349,65012,6038901.67%

备注1、挂车根据实际的使用性质并按照对应吨位货车的30%计算。2、如果责任限额为100万元以上，则保险费=A+0.9×N×（A-挂车根据实际的B），式中A指同档次限额为100万元时的保险费,B指同档次限额为50万元时的保险费；N=（限额-100万）/50万元，限额必须是50万元的整数倍。不计免赔率特约条款适用险种第三者责任保险机动车损失保险车上人员责任险车身划痕损失险盗抢险费率15%15%15%15%20%算。车龄2年以下车身划痕损失险新车购置价（元）保额（元）30万以下30-50万50万以上2,5,,10010,0007601,1701,50020,0002,0005,00010,00020,0001,1406108501,3001,9001,7809001,3501,8002,6002,2501,1001,5002,0003,0002年及以上免赔额（元）3005001,0002,0005万以下0.870.760.650.52可选免赔额特约条款新车购置价（元）5-10万10-20万20-30万0.920.940.950.840.890.930.740.830.880.580.690.7830-50万50万以上0.970.980.950.960.900.930.850.89

行业基本费率表（A款）制定 2008年）机动车损失保险1-2年2-6年保费6437309243222费率1.43%1.43%1.43%1.21%1.15%1.24%1.24%0.94%0.90%0.94%0.94%1.00%1.30%1.42%1.72%0.85%保费59474364542859334365241220费率1.41%1.41%1.41%1.20%1.14%1.23%1.23%0.93%0.89%0.93%0.93%0.99%1.28%1.40%1.70%0.85%6年以上保费6449449468297344376248227费率1.46%1.46%1.46%1.24%1.18%1.26%1.26%0.96%0.91%0.96%0.96%1.02%1.32%1.44%1.76%0.87%车上人员责任险驾驶人0.41%0.39%0.39%0.41%0.39%0.39%0.41%0.40%0.36%0.36%0.39%0.46%0.46%0.46%0.46%0.46%乘客0.26%0.25%0.25%0.25%0.23%0.23%0.25%0.25%0.22%0.23%0.24%0.28%0.28%0.28%0.28%0.28%盗抢险保费12费率0.42%0.44%0.44%0.39%0.46%0.45%0.54%0.36%0.43%0.43%0.50%0.50%0.50%0.50%0.50%0.50%玻璃单独破碎险国产0.19%0.19%0.22%0.13%0.13%0.15%0.16%0.13%0.13%0.15%0.16%0.11%0.11%0.11%0.11%0.11%进口0.31%0.30%0.36%0.24%0.24%0.28%0.29%0.24%0.24%0.28%0.29%0.16%0.16%0.16%0.16%0.16%机动车损失保险2-3年3-4年保费942534857889687424418191961费率2.83%2.04%1.86%1.76%2.04%1.69%1.54%1.46%1.69%1.96%1.79%1.69%1.96%1.86%2.09%2.16%2.20%1.58%2.09%0.74%0.64%保费9362058398344费率2.80%2.02%1.84%1.74%2.02%1.68%1.53%1.44%1.67%1.94%1.77%1.67%1.94%1.84%2.07%2.14%2.18%1.56%2.17%0.74%0.64%4年以上保费9525659988271费率2.86%2.06%1.88%1.77%2.06%1.71%1.56%1.47%1.71%1.90%1.80%1.70%1.98%1.88%2.11%2.19%2.22%1.59%2.11%0.75%0.66%车上人员责任险驾驶人0.50%0.40%0.42%0.42%0.42%0.42%0.44%0.50%0.50%0.42%0.44%0.50%0.50%0.77%0.77%0.77%0.77%0.77%0.58%0.58%0.58%乘客0.31%0.24%0.26%0.26%0.26%0.26%0.27%0.31%0.31%0.26%0.27%0.31%0.31%0.48%0.48%0.48%0.48%0.48%0.39%0.39%0.39%盗抢险保费190费率0.40%0.43%0.47%0.49%0.53%0.46%0.43%0.48%0.52%0.47%0.45%0.49%0.53%0.50%0.50%0.50%0.50%0.50%0.52%0.51%0.51%玻璃单独破碎险国产0.19%0.19%0.21%0.26%0.28%0.19%0.21%0.27%0.29%0.20%0.21%0.27%0.28%0.12%0.12%0.12%0.12%0.12%0.08%0.08%0.09%进口0.31%0.31%0.36%0.43%0.48%0.31%0.36%0.45%0.48%0.31%0.36%0.43%0.48%0.18%0.18%0.18%0.18%0.18%0.18%0.18%0.18%0.18%1.63%8721.63%8901.67%0.58%0.39%1400.51%0.10%

实际的使用性质并按照对应吨位货车的50%计算。挂车根据实对于特种车，防际的使用性弹玻璃等特殊材质并按照对质玻璃标准保费应吨位货车上浮10%。的50%计算