2013年4月に自賠責保険料が大幅値上げとなった理由と背景
公開日:2015年10月28日
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2013年4月に自賠責保険の保険料が大幅に値上げとなりました。また任意保険の等級制度の変更もあり、2013年は保険料が大きく変わりました。
自賠責保険の保険料は国が決めており、数年に一度、保険金の支払状況などを見て変更がされています。2013年4月以降の保険料は前年から平均して13.5%の値上がりとなりました。
■自賠責保険料の比較（期間24か月もの）
| 車種 | 保険料 | ||
|---|---|---|---|
| 始期日が2013年3月まで | 始期日が2013年4月以降 | 差額(値上り額) | |
| 自家用乗用車(普通) | 24,950円 | 27,840円 | 2,890円 |
| 軽自動車(検査対象) | 21,970円 | 26,370円 | 4,400円 |
13.5%というとかなり大きな割合ですが、なぜここまで保険料が上がってしまったのでしょうか。
自賠責保険の保険料の推移
自賠責保険料の過去の増減を見ると、自賠責保険料の値上げは2011年にも実施されているため、2年ぶりの値上げとなりました。
2011年、2013年と値上げが続いていますが、過去の推移を見ると自賠責保険料は2008年度に大きな値下げをしており、その後5,6年かけて元の水準に戻しているという動きをしています。
■自賠責保険の保険料（普通自動車24か月間）の推移
| 2007年 | 2008年 | 2009年 | 2010年 | 2011年 | 2012年 | 2013年 | 2014年 |
|---|---|---|---|---|---|---|---|
| 30,830 | 22,470 | 22,470 | 22,470 | 24,950 | 24,950 | 27,840 | 27,840 |
(沖縄、離島以外の保険料、単位：円)
2013年度に保険料が値上がりしたのは計画通り？
- 自賠責保険料が2008年に値下げしたのは累積黒字を契約者に還元するため
- 累積黒字が解消し、保険料は元の水準に戻った
- 2011年に累積赤字が5,000億円に達してしまった
このように自賠責保険料は2008年に大きく値下げをして、その後値上げをして2008年以前の水準に戻していますが、保険料が大きく変動する背景は2008年の自賠責保険料の値下げ時を振り返ると見えてきます。
2008年の自賠責保険料の値下げ時には、これまでの自賠責保険事業により累積黒字が5,000億円以上あったため、利益を契約者に還元することを目的に保険料の値下げをすることが決まりました。
その際に、2012年度までの5年間をかけて保険料を値下げし、発生した赤字に累積黒字の金額を補てんすることで、経営を成り立たせて、累積黒字を契約者へ還元するという計画でした。
つまり2008年度から2012年度の間は特別に保険料が安く設定されている期間で、2013年度はもとに戻っただけというのが本来の姿なのです。
これだけ見るとすべて計画通りのようですが、実は予想外の事もありました。保険金の支払いが予想以上に増加したことで、2011年には5,000億円の累積赤字となってしまったということです。
そのため2011年度および2013年度に段階的に自賠責保険の保険料を引き上げるという決定がなされました。
累積黒字がゼロになったタイミングでなく、5,000億円もの累積赤字を積み上げてから対応が取られるという点は、対応が遅くいかにもお役所仕事感がありますが、とにかく今はそのような状況です。
累積赤字の解消にどれだか時間がかかるかわかりませんが、今後は少なくとも値下げの方向ではなく、横ばいか値上げの方向であることは間違いなさそうです。
最新の自賠責保険の保険料や保険料の推移は別の記事にまとめていますので、参考にしてください。
自分にあった一番安い自動車保険を見つける
自動車保険に入る時に一括見積りを利用したら、同じ保障内容で、保険料が100,500円⇒65,050円と35,450円も安くなりました。
保険スクエアbang!では最大19社の見積もりを一括で取ることができ、自分にあった保険が安く見つかります。
申込は3分ほどで終わります。
一括見積もりできる保険会社
車を高く売るには無料の一括査定がおすすめ
私がヴォクシーを一括査定で複数の買取会社に査定依頼したら、一番高い会社と一番低い会社で差が36万5000円もありました。（下取り価格との差は50万円以上）
かんたん車査定ガイドは、最大10社から一括査定が受けられ、査定サービスの中で最も高額査定になりました。運営会社は東証一部上場企業、参加買取店はJADRI加盟店のみ（有名店で固めている）で安心です。
1分ほどの入力ですぐに高額査定の会社が分かり、概算額も申込完了後すぐにわかります。
一括見積もりできる保険会社
最新の自賠責保険の保険料と推移【2015年度】
