Autonomous vehicles, risk perceptions and insurance demand: An individual survey in China

摘要

Based on an online survey with 1164 participants, this paper investigates the risk perceptions and anticipation of insurance demand for autonomous vehicles in the Chinese market. The findings reveal that autonomous vehicles are highly familiar and have a positive impression in China. Of the respondents, 42.35% and 45.28% expect lower risk and lower insurance premiums for autonomous vehicles, respectively. By using one-way analyses of variance, this paper further examines the statistical effects of perception of autonomous vehicles, insurance purchases and claim experiences as well as personal information on responses to risk perception and insurance anticipation. Several significant factors were found that correlate with each other. Both the understanding of autonomous vehicles and personal information affect risk perception of autonomous vehicles, all of which collectively determine the anticipation of insurance demand for autonomous vehicles.