2019년 최고의 차종별 자동차보험 추천

자동차보험료는 차량 사이즈와 배기량에 따라 크게 변동할 수 있기 때문에 가입전 꼼꼼한 확인이 필요합니다. 꼭 필요한 보장을 합리적인 가격에 갖춘 상품을 찾아드리기 위해 차종에 따른 보험료와 보장내역 및 특약 구성을 소개해 드립니다.

추천 다이렉트 자동차보험 목록

2019년 최고의 차종별 다이렉트 자동차보험 견적비교

다이렉트 자동차보험 가입시, 배기량 및 차종에 따라 보험사별 보험료가 극명하게 달라지는 것으로 나타났습니다. 밸류챔피언에서는 국내 11개 보험사의 연령별, 성별, 운전경력별 보험료를 산출해 차종에 따른 경쟁력을 집중적으로 분석하였습니다.

차종별 다이렉트 자동차보험료를 비교한 차트입니다

경차 다이렉트 자동차보험

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스파크, 모닝 등으로 대표되는 경차(배기량 1,000cc 기준)는 DB손해보험 다이렉트 상품과 MG손보 JOY다이렉트, 롯데손보 하우머치다이렉트, 더케이손보 에듀카인터넷 자동차보험이 상대적으로 저렴한 것으로 나타났습니다. 밸류챔피언 조사 결과, 최초가입자는 MG손보가 타사대비 크게 유리하며, 3년 이상의 무사고 운전경력이 있는 경우 연령에 따라 DB손보, 롯데손보, 더케이손보 등이 유리한 것으로 나타났습니다. 특히 DB손해보험과 롯데손보의 경우 20-30대 보험료가, 더케이손보의 경우 60대 이상의 보험료가 타사 대비 저렴해 가입시 이점 참고하시기 바랍니다.

보험료 견적예시(남성, 경차 자차담보 포함 기준)

DB손보MG손보롯데손보더케이업계평균
3년무사고(26세)47.9만원45.3만원46.3만원48.5만원51.7만원
31세34.8만원36.2만원34.1만원35.2만원37.5만원
38세30.4만원26.4만원32.6만원32.5만원32.7만원
43세35.0만원35.2만원35.0만원37.1만원37.0만원
51세42.5만원37.0만원45.5만원47.7만원44.1만원
최초가입(26세)99.1만원89.3만원101.7만원99.3만원110.5만원
31세71.6만원71.1만원74.8만원71.8만원80.1만원
38세62.5만원51.9만원71.6만원66.3만원70.1만원
43세71.6만원69.2만원76.8만원75.7만원79.5만원
51세87.4만원72.7만원99.8만원97.1만원95.7만원
긴급출동서비스9,460원11,900원12,800원13,440원11,738원
비고: 보험료 견적은 천원단위로 반올림한 값입니다.

DB손보는 2018년 현재 업계에서 가장 낮은 수준의 민원율과 평균대비 양호한 보험금 부지급률을 나타내고 있습니다. 또한 미로블랙박스 특약(안전점수 획득시 보험료 10% 할인) 등 타사에서 제공되지 않는 특약으로 할인 혜택을 넓혀줍니다. MG손보는 최대 9세의 자녀까지 자녀 특약(9% 할인)을 제공하며, 2천-1만5천km 주행시 31% 내지 7% 할인을 제공해, 주행량이 1만5천km 내외인 가입자에게 보다 유리합니다. 롯데손보의 경우 만 7세이하 자녀가 있는 경우 7%의 보험료 할인을 제공하며, 주행량특약 덕분에 운행량이 매우 적은 운전자에게 유리합니다. 마지막으로 더케이손보는 차선이탈방지시스템 장착시 8% 할인되는 특약이 타사대비 우수하며, 자동차보험사 중 가장 낮은 보험금 불만족도(2018년 현재 0%)를 기록해 고객만족도가 높음을 알 수 있습니다.

주요특약 및 고객만족도 지표 비교

DB손보MG손보롯데손보더케이업계평균
블랙박스특약3%3%5%5%4.3%
자녀특약5세, 9%9세, 5%7세, 7%7세, 4%6.5세, 5.9%
주행량특약 (최소구간)31% (2,000km)31% (2,000km)40% (3,000km)41% (2,000km)35% (2,400km)
주행량특약 (최대구간)5% (15,000km)7% (15,000km)2% (15,000km)3% (15,000km)4% (16,000km)
민원건수*8.5건5.9건14.0건15.8건13.4건
부지급률1.22%1.49%1.84%0.54%1.72%
보험금 불만족도0.16%0.25%0.18%0.00%0.13%
*보유계약 10만건당 접수된 민원 건수를 말합니다. 3종 지표 모두 값이 낮을 수록 고객만족도가 높은 것을 나타냅니다.

소형차 다이렉트 자동차보험

{"items":["\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: \ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8 - Image\" data-eventlabel=\"\ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"\ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" href=\"\/redirect?link=http%3A%2F%2Fwww.eyoudirect.co.kr%2Findex.jsp%3Fccid%3D0563001001\"\u003E\u003Cimg alt=\"\ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HKP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HKP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HKP 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: \ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8 - 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Image\" data-eventlabel=\"\ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"\ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" href=\"\/redirect?link=http%3A%2F%2Fwww.eyoudirect.co.kr%2Findex.jsp%3Fccid%3D0563001001\"\u003E\u003Cimg alt=\"\ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HKP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HKP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HKP 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: \ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8 - 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Button\" data-eventlabel=\"DB\uc190\ubcf4 \ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"DB\uc190\ubcf4 \ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuepenguin.com%2Fredirect%3Flink%3Dhttps%253A%252F%252Fm.directdb.co.kr%252Fproduct%252Fat%252Fpvuatarc%252Fstep1%252FformStepPre.do%253Fpartner_code%253DC403\"\u003E\ubcf4\ud5d8\ub8cc \uccb4\ud06c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate car_insurance_companies: DB\uc190\ubcf4 \ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8 - Image\" data-eventlabel=\"DB\uc190\ubcf4 \ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"DB\uc190\ubcf4 \ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Fwww.directdb.co.kr%2Fproduct%2Fat%2Fpvuatarc%2Fstep1%2FformStepPre.do%3Fpartner_code%3DC403\"\u003E\u003Cimg alt=\"DB\uc190\ubcf4 \ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/DBP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/DBP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/DBP 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: DB\uc190\ubcf4 \ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8 - 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아반떼, K3, 크루즈, SM3 등으로 대표되는 소형차(배기량 1,600cc 기준) 계열에서는 흥국화재 eYou인터넷, DB손보 다이렉트, 더케이손보 에듀카인터넷, 현대해상 하이카다이렉트 자동차보험이 저렴한 것으로 나타났습니다. 3년무사고의 38세 남성 경력운전자 기준 보험료는 40만원대이며, 보험사에 따라 30만원대로 가격이 낮아질 수 있습니다. 특히 흥국화재의 경우 30-40대 전 연령에서 유리하며, DB손보와 더케이손보는 20대 및 30대 초반의 연령대에 저렴합니다. 현대해상은 50대 이상 운전자에게 저렴한 것으로 분석되었습니다.

보험료 견적예시(남성, 소형차 자차담보 포함 기준)

흥국화재DB손보더케이현대해상업계평균
3년무사고(26세)75.3만원65.1만원58.1만원60.5만원66.1만원
31세42.7만원45.5만원39.6만원41.9만원43.9만원
38세34.1만원43.1만원35.3만원35.6만원38.0만원
43세38.6만원44.2만원41.5만원40.1만원42.4만원
51세47.1만원54.4만원53.5만원46.8만원53.1만원
최초가입(26세)154.9만원121.3만원122.0만원134.9만원136.4만원
31세88.3만원84.9만원83.0만원93.4만원90.6만원
38세71.3만원79.9만원73.7만원79.7만원79.0만원
43세80.6만원82.3만원86.3만원89.7만원88.2만원
51세97.8만원101.4만원112.0만원104.5만원111.6만원
긴급출동서비스10,590원9,460원13,440원10,960원11,738원
비고: 보험료 견적은 천원단위로 반올림한 값입니다.

2018년 현재 흥국화재는 타사 대비 낮은 민원건수와 업계평균 대비 양호한 보험금 지급률 지표를 보이고 있어, 고객서비스가 우수한 것으로 나타납니다. DB손보 역시 소비자만족도 지표가 우수하며, 타사 대비 우수한 자녀 특약(5세 미만 자녀 9% 할인)을 제공합니다. 더케이손보는 0%에 가까운 보험금 부지급률을 자랑하며 차선이탈방지장치 특약(8% 할인)이 타사 대비 우수한 편입니다. 현대해상은 20%에 달하는 높은 점유율과 넓은 사고처리 네트워크가 강점이며, 우리나라 1년 평균 주행거리(1만5천km) 이내 주행시 타사 대비 높은 할인을 받을 수 있습니다.

주요특약 및 고객만족도 지표 비교

흥국화재DB손보더케이현대해상업계평균
블랙박스특약2%3%5%3%4.3%
자녀특약5세, 7%5세, 9%7세, 4%6세, 3%6.5세, 5.9%
주행량특약 (최소구간)34.9% (2,000km)31% (2,000km)41% (2,000km)32% (3,000km)35% (2,400km)
주행량특약 (최대구간)2.3% (18,000km)5% (15,000km)3% (15,000km)6% (15,000km)4% (16,000km)
민원건수*10.9건8.5건15.8건11.3건13.4건
부지급률0.81%1.22%0.54%2.03%1.72%
보험금 불만족도0.10%0.16%0.00%0.11%0.13%
*보유계약 10만건당 접수된 민원 건수를 말합니다. 3종 지표 모두 값이 낮을 수록 고객만족도가 높은 것을 나타냅니다.

중형차 다이렉트 자동차보험

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Image\" data-eventlabel=\"\ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"\ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" href=\"\/redirect?link=http%3A%2F%2Fwww.eyoudirect.co.kr%2Findex.jsp%3Fccid%3D0563001001\"\u003E\u003Cimg alt=\"\ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HKP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HKP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HKP 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: \ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8 - 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Image\" data-eventlabel=\"DB\uc190\ubcf4 \ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"DB\uc190\ubcf4 \ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Fwww.directdb.co.kr%2Fproduct%2Fat%2Fpvuatarc%2Fstep1%2FformStepPre.do%3Fpartner_code%3DC403\"\u003E\u003Cimg alt=\"DB\uc190\ubcf4 \ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/DBP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/DBP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/DBP 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate car_insurance_companies: DB\uc190\ubcf4 \ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8 - 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쏘나타, K5, SM6, 말리부 등으로 대표되는 중형차(배기량 2,000cc 기준) 등급에서는 보험사별 경쟁력이 소형차와 비슷하게 유지되었습니다. 밸류챔피언 조사 결과, 흥국화재 eYou인터넷 자동차보험은 30-50대 경력운전자에게 가장 유리하고, 삼성화재 애니카다이렉트는 동 연령대 최초가입자에게 상대적으로 유리한 것으로 나타났습니다. 또한 DB손보 다이렉트KB손보 매직카다이렉트는 20대 보험료가 비교적 저렴하며, 롯데손보 하우머치다이렉트는 60대이상 가입자에게 비교적 저렴한 것으로 나타났습니다.

보험료 견적예시(남성, 중형차 자차담보 포함 기준)

흥국화재DB손보삼성화재KB손보업계평균
3년무사고(26세)88.3만원72.5만원74.4만원72.4만원78.7만원
31세44.8만원49.8만원46.1만원50.2만원52.0만원
38세40.2만원43.4만원38.3만원43.5만원43.9만원
43세41.8만원46.2만원41.8만원43.6만원47.8만원
51세48.5만원58.5만원50.7만원57.5만원57.7만원
최초가입(26세)168.1만원116.1만원127.2만원124.5만원134.9만원
31세85.4만원79.4만원77.5만원86.3만원88.8만원
38세76.4만원69.1만원64.5만원74.8만원75.5만원
43세79.6만원73.5만원70.3만원74.9만원82.4만원
51세92.3만원93.3만원86.4만원98.9만원99.7만원
긴급출동서비스10,590원9,460원10,690원12,780원11,738원
비고: 보험료 견적은 천원단위로 반올림한 값입니다.

흥국화재의 경우 업계평균 대비 가장 낮은 수준의 민원건수, 양호한 보험금 지급률 등으로 높은 고객만족도를 나타내고 있습니다. DB손해보험 역시 소비자만족도가 높은 편이며, 타사대비 자녀특약(만 5세이하 9% 할인)이 우수합니다. 삼성화재는 업계 1위의 점유율과 넓은 사고처리 네트워크로 보험계약의 유지·관리가 보다 간편하며, 롯데손해보험은 연 3천-1만5천km 주행시 보험료를 40% 내지 2% 할인해주는 주행량특약 덕분에 자동차운행을 거의 하지 않는 경우(연 3천km 이내 구간 해당) 보다 유리한 것으로 나타났습니다.

주요특약 및 고객만족도 지표 비교

흥국화재DB손보삼성화재KB손보업계평균
블랙박스특약2%3%4%5%4.3%
자녀특약5세, 7%5세, 9%5세, 3%6세, 8%6.5세, 5.9%
주행량특약 (최소구간)34.9% (2,000km)31% (2,000km)32% (3,000km)35% (2,000km)35% (2,400km)
주행량특약 (최대구간)2.3% (18,000km)5% (15,000km)4% (12,000km)6% (15,000km)4% (16,000km)
민원건수*10.9건8.5건15.5건11.9건13.4건
부지급률0.81%1.22%2.35%1.56%1.72%
보험금 불만족도0.10%0.16%0.08%0.16%0.13%
*보유계약 10만건당 접수된 민원 건수를 말합니다. 3종 지표 모두 값이 낮을 수록 고객만족도가 높은 것을 나타냅니다.

대형차 다이렉트 자동차보험

삼성화재 애니카다이렉트 자동차보험
삼성화재 애니카다이렉트 자동차보험
메리츠화재 다이렉트 자동차보험
메리츠화재 다이렉트 자동차보험
현대해상 하이카다이렉트 자동차보험
현대해상 하이카다이렉트 자동차보험
  • 삼성화재 애니카다이렉트 자동차보험
    삼성화재 애니카다이렉트 자동차보험
  • 메리츠화재 다이렉트 자동차보험
    메리츠화재 다이렉트 자동차보험
  • 현대해상 하이카다이렉트 자동차보험
    현대해상 하이카다이렉트 자동차보험
  • 삼성화재 애니카다이렉트 자동차보험
    삼성화재 애니카다이렉트 자동차보험
  • 메리츠화재 다이렉트 자동차보험
    메리츠화재 다이렉트 자동차보험
  • 현대해상 하이카다이렉트 자동차보험
    현대해상 하이카다이렉트 자동차보험
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\u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\uc0bc\uc131\ud654\uc7ac \uc560\ub2c8\uce74\ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/SSP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/SSP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/SSP 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n 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그랜저, 제네시스, K7, SM7 등으로 대표되는 대형차(배기량 2,700cc 기준)는 차체가격이 높고 고급장비가 추가되면서 자차담보 가격인상으로 인한 보험료 인상이 두드러집니다. 38세 남성기준 평균 보험료는 연 50만원대로 나타났으며, 특히 최초가입자의 경우 연 80만원을 상회하는 보험료를 기록했습니다. 밸류챔피언 조사 결과, 삼성화재 애니카다이렉트는 전연령대 가입자, 특히 대형차를 소유한 최초가입자 보험료가 저렴한 것으로 나타났습니다. 책임보험의 경우 메리츠화재 다이렉트, 여성 가입자의 경우 메리츠화재 및 현대해상 하이카다이렉트가 비교적 저렴한 것으로 나타났습니다.

보험료 견적예시(남성, 대형차 자차담보 포함 기준)

삼성화재메리츠현대해상업계평균
3년무사고(26세)86.2만원77.1만원84.6만원90.8만원
31세54.5만원55.8만원58.3만원60.9만원
38세41.5만원43.0만원43.9만원48.1만원
43세44.5만원45.2만원51.3만원51.8만원
51세51.2만원51.0만원53.4만원58.0만원
최초가입(26세)119.2만원137.8만원128.5만원143.8만원
31세77.8만원99.9만원88.7만원96.7만원
38세59.5만원77.1만원66.8만원76.9만원
43세63.2만원80.9만원77.8만원82.3만원
51세73.1만원91.3만원81.0만원92.6만원
긴급출동서비스10,690원12,190원10,960원11,738원
비고: 보험료 견적은 천원단위로 반올림한 값입니다.

삼성화재와 현대해상 모두 다이렉트 자동차보험 업계 선두를 다투는 점유율로 넓은 사고처리 네트워크를 활용할 수 있다는 장점이 있습니다. 또한 현대해상의 경우 3천-1만5천km 이하 주행시 보험료의 32% 내지 6%를 할인, 메리츠화재는 3천-2만km 주행시 보험료의 33% 내지 2%를 할인해줍니다. 대한민국 연 평균 주행량이 약 1만5천km이므로, 평균수준의 거리를 주행하는 가입자의 경우 현대해상, 평균 이상의 거리를 주행하는 경우 메리츠화재가 보다 유리합니다.

주요특약 및 고객만족도 지표 비교

삼성화재메리츠현대해상업계평균
블랙박스특약4%4%3%4.3%
자녀특약5세, 3%8세, 7%6세, 3%6.5세, 5.9%
주행량특약 (최소구간)32% (3,000km)33% (3,000km)32% (3,000km)35% (2,400km)
주행량특약 (최대구간)4% (12,000km)2% (20,000km)6% (15,000km)4% (16,000km)
민원건수*15.5건23.4건11.3건13.4건
부지급률2.35%2.11%2.03%1.72%
보험금 불만족도0.08%0.15%0.11%0.13%
*보유계약 10만건당 접수된 민원 건수를 말합니다. 3종 지표 모두 값이 낮을 수록 고객만족도가 높은 것을 나타냅니다.

미니밴 다이렉트 자동차보험

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target=\"_blank\" title=\"\ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" href=\"\/redirect?link=http%3A%2F%2Fwww.eyoudirect.co.kr%2Findex.jsp%3Fccid%3D0563001001\"\u003E\u003Cimg alt=\"\ud765\uad6d\ud654\uc7ac \uc774\uc720\uc778\ud130\ub137 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HKP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HKP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HKP 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root 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class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\ud604\ub300\ud574\uc0c1 \ud558\uc774\uce74\ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HDP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HDP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/HDP 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"KB\uc190\ubcf4 \ub9e4\uc9c1\uce74\ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"KB\uc190\ubcf4 \ub9e4\uc9c1\uce74\ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBP 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\ub86f\ub370\uc190\ubcf4 \ud558\uc6b0\uba38\uce58\ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/LTP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/LTP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/LTP 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Cimg alt=\"\ub86f\ub370\uc190\ubcf4 \ud558\uc6b0\uba38\uce58\ub2e4\uc774\ub809\ud2b8 \uc790\ub3d9\ucc28\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/LTP\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/LTP 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/LTP 2x\"\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

카니발, 스타렉스 등으로 대표되는 다인승 승용차(배기량 2,200cc 미니밴 기준)의 경우 중형차 수준의 보험료를 납부하게 되지만, 보험사별 경쟁력은 크게 다른 것으로 나타났습니다. 예를 들어 경력운전자는 흥국화재 eYou인터넷 자동차보험이 대폭 저렴하지만, 최초가입자의 경우 현대해상 하이카다이렉트 자동차보험이 월등히 유리합니다. KB손보 매직카다이렉트는 20대 최초가입자에게 상대적으로 유리하며, 롯데손보 하우머치다이렉트는 20대 또는 60대 여성의 책임보험이 저렴한 것으로 나타났습니다.

보험료 견적예시(남성, 다인승 자차담보 포함 기준)

흥국화재현대해상KB손보롯데손보업계평균
3년무사고(26세)77.9만원68.9만원68.0만원68.4만원72.1만원
31세41.1만원46.3만원50.2만원52.6만원51.1만원
38세35.0만원39.1만원42.8만원44.9만원44.0만원
43세38.2만원47.2만원44.1만원53.1만원48.8만원
51세46.9만원51.6만원54.7만원62.5만원59.1만원
최초가입(26세)132.9만원96.2만원92.5만원107.8만원143.8만원
31세70.1만원64.9만원68.4만원83.2만원96.7만원
38세59.8만원54.7만원58.2만원71.0만원76.9만원
43세65.2만원65.9만원60.0만원84.0만원82.3만원
51세79.9만원72.2만원74.4만원99.0만원92.6만원
긴급출동서비스10,590원10,960원12,780원12,800원11,738원
비고: 보험료 견적은 천원단위로 반올림한 값입니다.

2018년 현재 흥국화재는 업계에서 가장 낮은 수준의 민원건수를 기록하고 있으며 부지급률과 보험금 불만족도가 평균대비 양호한 편입니다. 현대해상의 경우 20%에 달하는 점유율 덕분에 사고처리 네트워크를 활용할 수 있다는 것이 장점이며, 3천-1만5천km 이내 주행시 32% 내지 6%를 할인해주는 주행량특약이 타사 대비 우수합니다. KB손해보험은 타사에서 찾아볼 수 없는 특약(대중교통특약 8%, 안전주행특약 10% 등)이 특징으로, 합계 할인율이 타사대비 높을 수 있습니다. 마지막으로 롯데손해보험은 3천-1만5천km 주행시 보험료가 40% 내지 2% 할인되므로 주행량이 적은 가입자에게 보다 유리합니다.

주요특약 및 고객만족도 지표 비교

흥국화재현대해상KB손보롯데손보업계평균
블랙박스특약2%3%5%5%4.3%
자녀특약5세, 7%6세, 3%6세, 8%7세, 7%6.5세, 5.9%
주행량특약 (최소구간)34.9% (2,000km)32% (3,000km)35% (2,000km)40% (3,000km)35% (2,400km)
주행량특약 (최대구간)2.3% (18,000km)6% (15,000km)6% (15,000km)2% (15,000km)4% (16,000km)
민원건수*10.9건11.3건11.9건14.0건13.4건
부지급률0.81%2.03%1.56%1.84%1.72%
보험금 불만족도0.10%0.11%0.16%0.18%0.13%
*보유계약 10만건당 접수된 민원 건수를 말합니다. 3종 지표 모두 값이 낮을 수록 고객만족도가 높은 것을 나타냅니다.

최고의 차종별 자동차보험 리서치 방법론

밸류챔피언에서는 최고의 차종별 자동차보험을 찾기 위해 보험다모아에서 대한민국 주요 11개 손해보험회사의 자동차보험료 자료를 수집하여 활용하였습니다. 11개 보험사에서 차종에 따라 견적을 내었으며, 보험사별로 저렴한 가입조건을 정리한 뒤 각각의 특징을 꼽아 본 리서치를 작성하였습니다. 차종별로 기본 보험료는 아래와 같은 조건을 가정할 때의 가격입니다.

조건비고
차종경차, 소형, 중형, 대형, 또는 다인승 승용차
가입연령38세
가입경력3년무사고
연령특약26세 이상
운전자범위기명 1인
성별남성
담보자차담보 포함

본문에서 ‘경쟁사 평균 대비 x% 저렴…’과 같은 표현은 각 프로필 그룹 내에서 해당 상품의 가격경쟁력을 ‘가격 / 해당그룹 내 가격의 평균’으로 구한 뒤, 다시 전체에서 평균을 내어 구한 값을 의미합니다. 견적산출시 사용한 각 항목의 보장금액은 다음과 같습니다.

보장항목금액
대인배상무한
대물배상1억원
자기차량손해(자차담보)50만원 내에서 손해액의 20%

마치며

다이렉트 자동차보험은 다양한 가입조건에 따라 보험료가 상이합니다. 그중에서도 운전경력과 차종은 보험료를 결정짓는 중요한 요소로, 가입조건별 경쟁력 있는 보험사를 미리 파악하면 보험상품을 미리 추려내는 데 도움이 될 수 있습니다. 운전경력에 따른 자동차보험 추천목록은 최고의 신규 다이렉트 자동차보험을, 특약할인율이 우수한 자동차보험은 특약할인율이 높은 다이렉트 자동차보험 추천목록을 확인하시기 바랍니다.

Kyuhoon Kim

김규훈(Kyuhoon Kim) 애널리스트는 보험관련 분석업무를 하고 있습니다. 밸류챔피언에서 근무하기 전에는 미국 밴더빌트대학교(Vanderbilt University)에서 컴퓨터공학 및 경제학을 전공하였습니다.

본 게시물은 밸류챔피언에서 대가관계 없이 작성한 게시물입니다. 보험료 및 보장 등에 대한 자세한 사항은 반드시 해당 보험사의 웹사이트와 약관 및 상품설명서를 참조하시기 바랍니다.