In recent years，under the influence of national energy conservation and environmental protection policies，the new energy automobile industry has developed rapidly，and the demand for new energy automobile insurance is increasing day by day. The technology of new energy vehicle iterating fast，and the risk difference between new energy vehicles and traditional automobiles is significant. The risk research of this special vehicle type has practical significance for the product innovation and risk management of automobile insurance. To this end，we use the relevant insurance data and vehicle model data of the national auto insurance information platform to explore and analyze the risk status of the new energy vehicle business，and make preliminary suggestions on the development of new energy vehicle insurance.