大数据告诉我们，汽车三者险该如何买？

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">不少车主在购买三者险时，容易产生困惑，面对不同档次的保障，到底哪个更适合自己呢？今天，就从数据上给您提供" style="margin-top: 10px;margin-bottom: 10px;padding: 10px;max-%;text-align: center;line-height: 25px;color: rgb(255, 255, 255);box-shadow: rgb(153, 153, 153) 1px 1px 2px;border-left-width: 25px;border-left-style: solid;border-color: rgb(241, 148, 180);box-sizing: border-box !important;word-wrap: break-word !important;overflow-wrap: break-word !important;background-color: rgb(235, 103, 148);">portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">一、各省市三者险投保金额排名

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">上海portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">车主购买的三者险平均保额全国最高，达到77万元，其次是portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">厦门、宁波、深圳、福建。除重庆、安徽外，portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">前十名portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">均为东部沿海发达地区。

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">山西portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">车主购买的三者险平均保额全国最低，仅为20万元，其次为portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">新疆、黑龙江、陕西、青海，主要在东北和西北部地区。

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">二、各省市死亡赔偿标准排名

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">假设：交通事故的死者为一名35岁中年人，城镇户口，有一个10岁小孩，那么，死亡赔偿金的保障需求分别是多少呢？

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">上海portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">最高，约111万元。其次是portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">宁波、北京、深圳和浙江。

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">甘肃portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">最低，约50万元。其次是portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">贵州、黑龙江、青海和吉林。

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">（不同条件下的伤亡赔偿金计算，请参阅云险前期文章“车撞人了，要赔偿哪些钱？”）

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">三、各省市三者险保障力度排名

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">对比各省市三者险投保金额（含交强险）与死亡赔偿金后，可以看出各省市的保障力度如下：

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">重庆portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">保障力度全国第一，达到1.17，其次是portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">贵州、福建和江西。portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">保障力度均超过1.0。

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">北京portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">保障力度全国最低，仅为0.40，其次是portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">天津、山西、青岛和新疆。其中，北京、天津与其他一线城市（广州0.90、上海0.80、深圳0.76）的差距巨大，让人感到意外。

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">四、结束语

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">综上，给购买三者险的portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">车portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">主提几点参考portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">建议：

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">1、portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">建议按照1.5的保障系数确定保额portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">。这样，portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">三者险保障才相对充足；

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">2、三者险保费越往上叠加越便宜portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">。简单来说，50万元保额的portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">保费（折扣前）portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">约为1500元，但之后每叠加50万元保障时，所需保费约为470元；

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">3、三者险的潜在风险远大于车辆损失，更应该重视。portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">相比车辆损失，portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">三者险的保障缺口有可能高达数十万、上百万，万一发生，会对家庭形成巨大经济压力，而车辆损失则基本不会；

portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">4、三者险保额也不是越高越好。portant;word-wrap: break-word !important;overflow-wrap: break-word !important;">可以结合地区差异和个人驾驶状况，来设置最适合自己的档次。