Samsung Users Pay Up to 60% More for Insured Repairs Than iPhone Users

While Apple and Samsung’s smartphone insurance plans may look nearly identical on paper, the real cost becomes clear only when something actually goes wrong. According to analysis by the Insuranceopedia.com research team, Samsung users pay up to 60% more per repair on average than iPhone users, meaning they have to spend much more to fix their phone, even when it’s insured.

Samsung Users Pay $100–$120 Per Insured Repair, iPhone Users Around $75

For years, Samsung has built its reputation as the more affordable alternative to Apple, offering phones across every price range while leading the global market in total shipments. But around 2020, the company started moving upmarket, focusing more on premium and foldable models like the Galaxy S Ultra, Z Fold, and Z Flip, while Chinese competitors Xiaomi, Oppo, and Vivo took over the lower-price segment.

However, Samsung’s decision to compete with Apple in the flagship segment was a risky move, some might even call it reckless, especially when you look at how loyal iPhone users are. According to Consumer Intelligence Research Partners survey, around 90% of iPhone users stick with the brand when they upgrade, proving that Apple doesn’t just sell phones, it builds an ecosystem that people rarely leave.

Moreover, while high-end Galaxy models range from $1,300 to $1,800, putting them right alongside iPhone Pro and Pro Max models, which start around $1,000 to $1,200, Samsung users end up paying much more for insured repairs when something actually goes wrong, according to the Insuranceopedia analysis.

Our research team looked at publicly available AppleCare+ and Samsung Care+ fees and compared them to how phone damage happens in real life, assuming most people deal with cracked screens, fewer face more serious damage, and only a small number end up losing or replacing their phones. We adjusted the calculations to reflect those real-world patterns.

Apple keeps things simple, meaning the repair fees are fixed, and you usually know what you’ll pay. For iPhone users with an AppleCare+ plan, the average repair costs around $75. Samsung, on the other hand, is less predictable, and repair prices depend on the phone and the damage. That is the main reason why Samsung’s average repair cost ranges from $100 to $120. In real life, that means Samsung users can end up paying 30% to 60% more per repair, adding up to hundreds of dollars more, even with insurance.

Samsung Sees User Loyalty and Market Share Drop

But this gap is much more than just about repair costs, because Samsung’s user loyalty and market share are both falling. According to a Statista Consumer Insights survey, around 30% of smartphone users in India, one of the two largest smartphone markets, owned a Samsung device in 2025, but 68% of them were likely or very likely to switch brands. At the same time, StatCounter data, which tracks mobile vendor market shares, also suggests that Samsung’s popularity is fading.

Last month, Samsung held 15.1% of the Asian smartphone market, 6% less than the iPhone and 2% below its market share last March. Samsung’s market share in Europe has dropped by roughly 4 percentage points over this period to 30.2%, compared to Apple`s 40.1% share.

Statistics show Apple dominates the U.S. market with a 63% market share, while Samsung holds 20.6%, or 3% less than a year ago. Globally, the gap between Samsung and Apple has hit its widest point since November 2016, because last month, Apple held 32.2% of the global smartphone market, leaving Samsung nearly 12% behind.