The table of new MTPL tariffs for 2021 will be useful to every motorist

How much does OSAGO cost in 2018?

So, first we will explain how the calculation of the insurance premium (the one that is paid when purchasing a policy) works in accordance with the rules of OSAGO.

There is a base rate in the form of a price range that the insurance companies themselves have the right to set (but more often maximum values are set),
And there are coefficients that depend on the data of the drivers allowed to drive and the parameters of the car and which are applied in turn to the base tariff by multiplying the latter by these coefficients.

The increase in the cost of compulsory motor liability insurance this time is due to an increase in the base tariff (in fact, the corridor is simply increasing), as well as several coefficients applied to the base tariff.

The final price of the policy is calculated using the following formulas:

for passenger cars of individuals : basic tariff x territorial coefficient (region of registration of the owner) x bonus-malus coefficient (accident-free driving) x limited/unlimited insurance x vehicle power x seasonality of use x number of violations in the previous insurance period;
for passenger cars of legal entities : basic tariff x territorial coefficient (region of registration of the owner) x bonus-malus coefficient (accident-free driving) x age/experience of approved drivers x limited/unlimited insurance x vehicle power x seasonality of use x number of violations in the previous insurance period x availability of a trailer;
for motorcycles and trucks of individuals : basic tariff x territorial coefficient (region of registration of the owner) x bonus-malus coefficient (accident-free driving) x age/experience of approved drivers x limited/unlimited insurance x seasonality of use x number of violations in the previous insurance period x availability trailer;
for motorcycles and trucks of individuals : basic tariff x territorial coefficient (region of registration of the owner) x bonus-malus coefficient (accident-free driving) x limited/unlimited insurance x seasonality of use x number of violations in the previous insurance period x availability of a trailer.

A small addition has appeared in the MTPL calculation forums - this is the coefficient of the number of violations. Previously, it was not applied, but at the new rates it will be applied and will always be equal to 1.5 if there were violations of the insurance rules in the previous period:

if the driver knowingly provided false information when applying for insurance, which affected the reduction in the cost of the policy,
if the driver deliberately staged an accident or lied about damage information,
if the driver has been presented with a recourse claim.

So, now let's move directly to the numbers, and in the “was/has become” format we will present all the changes in insurance rates and coefficients!

Insurance coefficient values

Each type of transport - from a passenger car to agricultural machinery - has its own base tariff and corresponding coefficients used to calculate the cost of the insurance premium.

For example, for a passenger car of category “B” or “BE” owned by an individual or individual entrepreneur, the base tariff ranges from 3,432 to 4,118 rubles.

You can independently familiarize yourself with the values of insurance coefficients using this link or study the Directive of the Bank of Russia No. 3384-U dated September 19, 2014.

CT value

Depending on the vehicle’s belonging to a certain region and the status of the locality in which its owner was registered, the value of the coefficient can range from 0.5 to 2.1.

For example, for Kazan this variable is equal to 2, and for Orenburg – 1.7.

Bonus-malus coefficient

The KBM is assigned to a specific person, and not to a vehicle. A certain coefficient is assigned based on the presence or absence of violations of the insurance conditions under the previous MTPL policy.

This value may increase or decrease, but only at the end of the year after insurance is taken out.

The policyholder can receive a maximum discount of up to 50% on the policy in case of accident-free driving for ten years.

FAC value

Driving experience begins to accrue from the moment you receive your first driver's license.

As a rule, the older the person allowed to drive a car and indicated in the insurance, the longer his experience. More experienced drivers obtain compulsory motor vehicle liability insurance at a lower cost. Young or novice drivers will have to pay more for insurance.

For example, if a person is under 22 years of age and has less than three years of driving experience, the FAC dimensions will be 1.8. If a citizen is older than this age and has a driving experience of three years or more, the coefficient will be equal to 1.

KO value

This coefficient will be equal to 1 if the client takes out insurance with permission for a limited number of people to drive a car. In this case, the names of each driver must be included in the policy.

When taking out insurance without any restrictions, its cost will cost the vehicle owner significantly more, because when calculating the price of the insurance premium, you will need to take into account the KO equal to 1.8.

KS value

Some car owners use their vehicles seasonally (for example, in spring and summer). In order not to overpay for insurance, they can take out a policy for only a few months. The legislation of the Russian Federation establishes a variable insurance policy, so owners of “seasonal” compulsory motor liability insurance have the opportunity to save money on insurance.

So, when taking out a policy for 5 months, the size of the insurance policy is 0.65, and when receiving compulsory motor liability insurance for a period of up to 8 months - 0.9.

KM value

PTS and STS contain the technical characteristics of the vehicle. Depending on the engine power, the cost of the policy may be increased or decreased. The more horsepower a vehicle has, the more expensive insurance will cost the owner.

So, if the vehicle has a power of 100 to 120 hp. s., the dimensions of the CM will be 1.2.

KN value

This variable has a fixed value of 1.5 and is used if the driver provided the insurer with false information when concluding an insurance contract, repeatedly violated traffic rules, or did not comply with the conditions stipulated by the policy (for example, he allowed persons not included in the insurance to drive).

Increasing the basic MTPL tariff

Here, as we already mentioned above, in 2021 it was not the tariff itself that increased, but the range of possible prices applied by insurers for these tariffs.

Transport category	Was	It became
Motorcycles and scooters (A and M)	867-1579	694-1407
Passenger cars (B and BE) of individuals	3432-4118	2746-4942
Passenger cars (B and BE) of legal entities	2573-3087	2058-2911
Passenger cars (B and BE) taxis	5138-6166	4110-7399
Trucks (C and CE) with a permissible weight of 16 tons	3509-4211	2807-5053
Trucks (C and CE) with a permissible weight of more than 16 tons	5284-6341	4227-7609

As you can see, in the basic tariffs, the increase in compulsory motor liability insurance affected only the most popular categories of vehicles: passenger cars. persons, taxi drivers and trucks.

OSAGO tariffs for 2021

It is necessary to note one special detail related to the pricing of MTPL policies.

If 2021 rates were in effect at the time of purchasing the policy, then they will not increase throughout the year if you have to take advantage of a classic standard insurance event.

But if the insurer suddenly demands that the policyholder make additional payments for certain risks that have arisen again during the insurance period, then these additional payments will be calculated taking into account the new tariffs that will be introduced by the Central Bank of the Russian Federation in the spring of 2021.

This should be remembered by those clients of insurance companies who do not conscientiously fulfill the terms of the insurance agreement or those whose parameters may suddenly change during the insurance period in a particular case.

At the beginning of 2021, until the next increase, the tariffs adopted for 2021 are still in effect, which constitute the following indicators in the table.

By insurance companies

It should be understood that not every insurance company accepts as the base tariff rate exactly the lower threshold of the tariff range permitted by the Central Bank of the Russian Federation.

Because each insurer has a certain set of permitted activities - licenses.

Some specialize more in car insurance, while others are interested in expanding their business coverage and adding compulsory motor vehicle liability insurance rates for trucks, which differ significantly from the rates for cars.

But there are also large “sharks” of the insurance market who have the right to insure for any types and categories of vehicles, and even special equipment.

Let's look at insurance companies to see what rates are usually used and for which cars to insure.

Tariffs for compulsory motor liability insurance for various insurance companies for 2018:

Insurer name	Type of vehicle	Tariff size, rub.
Rosgosstrakh	Motorized vehicles	867 4118
RESO-Garantiya	Moto Cars	1579 4118
Ingosstrakh	Motorcycles Cars	1579 4118
MSK	Motorcycles Cars	959 4118
VSK	Motor vehicles Cars	885 4118
Yugoria	Motor vehicles Cars	1579 4118
Alfa insurance	Motor vehicles Cars	1579 4118

By region

In addition to the fact that each insurance company will choose its own tariff option from the “corridor” proposed by the Central Bank, prices will also differ by region.

Closer to the European part of Russia, central, southwestern or northwestern - tariffs are usually more expensive than in the eastern regions.

Although in large cities, regardless of regionality and affiliation with an administrative municipal entity, MTPL tariffs show themselves to be almost equally high as according to Moscow prices. This is due to the activity and traffic density on the roads.

The greater the risk of accidents on city roads, the more expensive the insurance policy will be.

But large insurance companies do not set the basic rates themselves differently, Therussiantimes reports. It is the base rate that is almost always the same. As an example, let's look at several such options.

Tariffs for 2021 for MTPL policies for different regions and regions of Russia:

Name of the region, region, edge	Insurance Company	Type of vehicle	Average tariffs, rub.
Ivanovo region	Rosgosstrakh	Motor transport Passenger car Truck Passenger minibuses	867 4050 5200-62103200-4150
The Republic of Buryatia
Nalchik, Prokhladny
Crimea
Volzhsk
Moscow	RESO-Garantiya	Passenger car	3775
Chechen Republic			4084
Yuzhno-Sakhalinsk			3775
All other territory of the Russian Federation			4118
Moscow	Alfa insurance	Passenger car	3700
Kaliningrad			4118
Samara			4118
All other regions			4118

However, it should be borne in mind that if by the tariffs of the MTPL policy the common man understands that this is the full cost of the insurance product, then the prices will, of course, be higher.

After all, various coefficients are necessarily added to the base tariff. Everything must be taken into account here - insurance periods, car parameters, driver parameters, as well as the type of vehicle.

For example, in the same Ivanovo region, insurance in Rosgosstrakh for drivers aged from 20 to 30 years, with a driver’s experience from 2 to 10 years, different price tags will be set for various passenger cars.

Region of residence coefficient

It is correctly called the “territorial coefficient”. And this coefficient was not affected by the increase.

Show odds table

Region of transport use	Coefficient
Republic of Adygea	1,3
Altai Republic
Gorno-Altaisk	1,3
Other cities and towns	0,7
Republic of Bashkortostan
Blagoveshchensk, Oktyabrsky	1,2
Ishimbay, Kumertau, Salavat	1,1
Sterlitamak, Tuymazy	1,3
Ufa	1,8
Other cities and towns	1
The Republic of Buryatia
Ulan-Ude	1,3
Other cities and towns	0,6
The Republic of Dagestan
Buynaksk, Derbent, Kaspiysk, Makhachkala, Khasavyurt	0,7
Other cities and towns	0,6
The Republic of Ingushetia
Malgobek	0,8
Nazran	0,6
Other cities and towns	0,6
Kabardino-Balkarian Republic
Nalchik, Prokhladny	1
Other cities and towns	0,7
Republic of Kalmykia
Elista	1,3
Other cities and towns	0,6
Karachay-Cherkess Republic	1
Republic of Karelia
Petrozavodsk	1,3
Other cities and towns	0,8
Komi Republic
Syktyvkar	1,6
Ukhta	1,3
Other cities and towns	1
Republic of Crimea
Simferopol	0,6
Other cities and towns	0,6
Mari El Republic
Volzhsk	1
Yoshkar-Ola	1,4
Other cities and towns	0,7
The Republic of Mordovia
Ruzaevka	1,2
Saransk	1,5
Other cities and towns	0,8
The Republic of Sakha (Yakutia)
Neryungri	0,8
Yakutsk	1,2
Other cities and towns	0,6
Republic of North Ossetia-Alania
Vladikavkaz	1
Other cities and towns	0,8
Republic of Tatarstan
Almetyevsk, Zelenodolsk, Nizhnekamsk	1,3
Bugulma, Leninogorsk, Chistopol	1
Elabuga	1,2
Kazan	2
Naberezhnye Chelny	1,7
Other cities and towns	1,1
Tyva Republic
Kyzyl	0,6
Other cities and towns	0,6
Udmurt republic
Votkinsk	1,1
Glazov, Sarapul	1
Izhevsk	1,6
Other cities and towns	0,8
The Republic of Khakassia
Abakan, Sayanogorsk, Chernogorsk	1
Other cities and towns	0,6
Chechen Republic	0,6
Chuvash Republic
Kanash	1,1
Novocheboksarsk	1,2
Cheboksary	1,7
Other cities and towns	0,8
Altai region
Barnaul	1,7
Biysk	1,2
Zarinsk, Novoaltaisk, Rubtsovsk	1,1
Other cities and towns	0,7
Transbaikal region
Krasnokamensk	0,6
Chita	0,7
Other cities and towns	0,6
Kamchatka Krai
Petropavlovsk-Kamchatsky	1,3
Other cities and towns	1
Krasnodar region
Anapa, Gelendzhik	1,3
Armavir, Sochi, Tuapse	1,2
Belorechensk, Yeisk, Kropotkin, Krymsk, Kurganinsk, Labinsk, Slavyansk-on-Kubani, Timashevsk, Tikhoretsk	1,1
Krasnodar, Novorossiysk	1,8
Other cities and towns	1
Krasnoyarsk region
Achinsk, Zelenogorsk	1,1
Zheleznogorsk, Norilsk	1,3
Kansk, Lesosibirsk, Minusinsk, Nazarovo	1
Krasnoyarsk	1,8
Other cities and towns	0,9
Perm region
Berezniki, Krasnokamsk	1,3
Lysva, Tchaikovsky	1
Permian	2
Solikamsk	1,2
Other cities and towns	1,1
Primorsky Krai
Arsenyev, Artem, Nakhodka, SpasskDalniy, Ussuriysk	1
Vladivostok	1,4
Other cities and towns	0,7
Stavropol region
Budennovsk, Georgievsk, Essentuki, Mineralnye Vody, Nevinnomyssk, Pyatigorsk	1
Kislovodsk, Mikhailovsk, Stavropol	1,2
Other cities and towns	0,7
Khabarovsk region
Amursk	1
Komsomolsk-on-Amur	1,3
Khabarovsk	1,7
Other cities and towns	0,8
Amur region
Belogorsk, Svobodny	1,1
Blagoveshchensk	1,6
Other cities and towns	1
Arhangelsk region
Arkhangelsk	1,8
Kotlas	1,6
Severodvinsk	1,7
Other cities and towns	0,85
Astrakhan region
Astrakhan	1,4
Other cities and towns	0,8
Belgorod region
Belgorod	1,3
Gubkin, Stary Oskol	1
Other cities and towns	0,8
Bryansk region
Bryansk	1,5
Klintsy	1
Other cities and towns	0,7
Vladimir region
Vladimir	1,6
Gus-Khrustalny	1,1
Moore	1,2
Other cities and towns	1
Volgograd region
Volgograd	1,3
Volzhsky	1,1
Kamyshin, Mikhailovka	1
Other cities and towns	0,7
Vologda Region
Vologda	1,7
Cherepovets	1,8
Other cities and towns	0,9
Voronezh region
Borisoglebsk, Liski, Rossosh	1,1
Voronezh	1,5
Other cities and towns	0,8
Ivanovo region
Ivanovo	1,8
Kineshma	1,1
Shuya	1
Other cities and towns	0,9
Irkutsk region
Angarsk	1,2
Bratsk, Tulun, Ust-Ilimsk, Ust-Kut, Cheremkhovo	1
Irkutsk	1,7
Usolye-Sibirskoye	1,1
Shelekhov	1,3
Other cities and towns	0,8
Kaliningrad region
Kaliningrad	1,1
Other cities and towns	0,8
Kaluga region
Kaluga	1,2
Obninsk	1,3
Other cities and towns	0,9
Kemerovo region
Anzhero-Sudzhensk, Kiselevsk, Yurga	1,2
Belovo, Berezovsky, Mezhdurechensk, Osinniki, Prokopyevsk	1,3
Kemerovo	1,9
Novokuznetsk	1,8
Other cities and towns	1,1
Kirov region
Kirov	1,4
Kirovo-Chepetsk	1,2
Other cities and towns	0,8
Kostroma region
Kostroma	1,3
Other cities and towns	0,7
Kurgan region
Mound	1,4
Shadrinsk	1,1
Other cities and towns	0,6
Kursk region
Zheleznogorsk	1
Kursk	1,2
Other cities and towns	0,7
Leningrad region	1,3
Lipetsk region
Dace	1
Lipetsk	1,5
Other cities and towns	0,8
Magadan Region
Magadan	0,7
Other cities and towns	0,6
Moscow region	1,7
Murmansk region
Apatity, Monchegorsk	1,3
Murmansk	2,1
Severomorsk	1,6
Other cities and towns	1,2
Nizhny Novgorod Region
Arzamas, Vyksa, Sarov	1,1
Balakhna, Bor, Dzerzhinsk	1,3
Kstovo	1,2
Nizhny Novgorod	1,8
Other cities and towns	1
Novgorod region
Borovichi	1
Velikiy Novgorod	1,3
Other cities and towns	0,9
Novosibirsk region
Berdsk	1,3
Iskitim	1,2
Kuibyshev	1
Novosibirsk	1,7
Other cities and towns	0,9
Omsk region
Omsk	1,6
Other cities and towns	0,9
Orenburg region
Buguruslan, Buzuluk, Novotroitsk	1
Orenburg	1,7
Orsk	1,1
Other cities and towns	0,8
Oryol Region
Livny, Mtsensk	1
Eagle	1,2
Other cities and towns	0,7
Penza region
Zarechny	1,2
Kuznetsk	1
Penza	1,4
Other cities and towns	0,7
Pskov region
Velikie Luki	1
Pskov	1,2
Other cities and towns	0,7
Rostov region
Azov	1,2
Bataysk	1,3
Volgodonsk, Gukovo, Kamensk-Shakhtinsky, Novocherkassk, Novoshakhtinsk, Salsk, Taganrog	1
Rostov-on-Don	1,8
Mines	1,1
Other cities and towns	0,8
Ryazan Oblast
Ryazan	1,4
Other cities and towns	0,9
Samara Region
Novokuybyshevsk, Syzran	1,1
Samara	1,6
Tolyatti	1,5
Chapaevsk	1,2
Other cities and towns	0,9
Saratov region
Balakovo, Balashov, Volsk	1
Saratov	1,6
Engels	1,2
Other cities and towns	0,7
Sakhalin region
Yuzhno-Sakhalinsk	1,5
Other cities and towns	0,9
Sverdlovsk region
Asbest, Revda	1,1
Berezovsky, Verkhnyaya Pyshma, Novouralsk, Pervouralsk	1,3
Verkhnyaya Salda, Polevskoy	1,2
Ekaterinburg	1,8
Other cities and towns	1
Smolensk region
Vyazma, Roslavl, Safonovo, Yartsevo	1
Smolensk	1,2
Other cities and towns	0,7
Tambov Region
Michurinsk	1
Tambov	1,2
Other cities and towns	0,8
Tver region
Vyshny Volochek, Kimry, Rzhev	1
Tver	1,5
Other cities and towns	0,8
Tomsk region
Seversk	1,2
Tomsk	1,6
Other cities and towns	0,9
Tula region
Aleksin, Efremov, Novomoskovsk	1
Tula	1,5
Uzlovaya, Shchekino	1,2
Other cities and towns	0,9
Tyumen region
Tobolsk	1,3
Tyumen	2
Other cities and towns	1,1
Ulyanovsk region
Dimitrovgrad	1,2
Ulyanovsk	1,5
Other cities and towns	0,9
Chelyabinsk region
Zlatoust, Miass	1,4
Kopeisk	1,6
Magnitogorsk	1,8
Satka, Chebarkul	1,2
Chelyabinsk	2,1
Other cities and towns	1
Yaroslavl region
Yaroslavl	1,5
Other cities and towns	0,9
Moscow	2
Saint Petersburg	1,8
Sevastopol	0,6
Jewish Autonomous Region
Birobidzhan	0,6
Other cities and towns	0,6
Nenets Autonomous Okrug	0,8
Khanty-Mansiysk Autonomous Okrug - Ugra
Kogalym	1
Nefteyugansk, Nyagan	1,3
Surgut	2
Nizhnevartovsk	1,8
Khanty-Mansiysk	1,5
Other cities and towns	1,1
Chukotka Autonomous Okrug	0,6
Yamalo-Nenets Autonomous Okrug
New Urengoy	1
Noyabrsk	1,7
Other cities and towns	1,1
Baikonur	0,6

If the owner of the car is a foreigner and has temporarily entered the territory of Russia, then a single territorial coefficient of 1.7 is applied to him.

What does base rate mean?

To calculate the cost of compulsory motor liability insurance, you need to take into account several factors. The price will consist of a fixed amount - the base tariff and coefficients. The first, in turn, is the main variable that will affect the final cost of the policy.

The basic cost is the same for all Russian citizens, regardless of driving experience and region of residence. But you should know that you need to take into account the type of vehicle (trucks, cars, motorcycles), since the base rates and their size depend on this.

In the special law on compulsory motor liability insurance of 2002, the powers to regulate basic cost rates were transferred to the Central Bank of the Russian Federation. In the first years, the rate was unchanged. This is due to the fact that the size of the total insurance fund exceeded the amount of insurance compensation paid. But over the past five years there have been many changes that have resulted in an increase in the base tariff.

The government first increased the size back in October 2014. This event is associated with economic problems within the country, which led to inflation. The amount of insurance payments greatly exceeded the size of the insurance fund. A year later, in April 2015, prices were fully changed and fixed, as evidenced by the corresponding instructions from the Central Bank of the Russian Federation.

KBM

The bonus-malus coefficient also remains unchanged, and an increase in compulsory motor liability insurance in this part is not expected until at least the end of 2019, but from January 1, 2021, only the “cosmetic part” changes - the name of the accident-free driving class will not be used, but simply indicated coefficient.

Was:

Became:

Calculate the cost of your MTPL policy

Compulsory motor insurance for legal entities in 2021

So, in the end, let's move on to a more pressing topic regarding compulsory motor insurance for legal entities in 2021. The situation here is as follows. The fact is that the Central Bank has planned innovations that will liberalize the receipt of compulsory motor insurance policies. Simply put, from 2021, the cost of policies will be calculated for each policyholder individually, which is great news for individuals.

Unfortunately, as you and I already know, for legal entities, compulsory motor insurance policies are issued only for an unlimited number of drivers allowed to drive. Therefore, compulsory motor insurance for legal entities in 2021 will not be calculated according to individual coefficients.

However, do not be upset, because there will also be positive changes in the field of compulsory motor insurance for legal entities in 2021. They will be the preservation of KBM after a break in insurance. That is, now, in the case of an accident-free history, a legal entity accumulates a certain KBM, which reduces the cost of the policy. However, in the event of a break in insurance, for example, a year, the KBM will be reset to zero and the entire history will be erased. When calculating the MTPL policy for legal entities in 2021, if a situation arises in which the transport will not be insured for any period of time, the CBM will still be the same.

Increasing the cost of an unlimited OSAGO policy

According to the coefficient of the number of persons admitted to management, an increase in the insurance rate is also expected, but only if your policy is unlimited.

Limited or unlimited OSAGO policy	The coefficient was	The coefficient has become
Limited	1	1
Unlimited	1,8	1,87

And for legal entities, the policy limitation coefficient is the same - 1.8.

Features of insurance for legal entities

If a vehicle is registered to an organization, company (legal entity), then according to the legislation of the Russian Federation, the vehicle must be insured by an insurance company accredited by the RSA (Russian Union of Auto Insurers), since the legal entity bears full responsibility for the property it owns. according to statutory obligations. All vehicles owned by the organization must be promptly insured.

There are nuances of insurance for all legal entities:

1. The base rate when calculating the MTPL policy for legal entities differs from the base rate of the MTPL policy for individuals;

2. The minimum period for which a compulsory motor liability insurance policy is issued for legal entities is 6 months;

3. The MTPL policy for legal entities is issued for an unlimited number of persons who have the right to access to drive a vehicle registered in the name of a legal entity. That is, the organization, as a legal entity, after issuing an MTPL policy for a legal entity, itself determines the employees who will have access to driving the vehicle. A prerequisite in this case will be the presence of a valid driver's license for this category of vehicle for those authorized to drive a vehicle.

Thus, each organization must insure the vehicle and allow only persons with a valid driver's license to drive it - this is the area of responsibility of the legal entity. When operating a vehicle owned by a legal entity, the driver driving the vehicle must have a valid MTPL policy. Otherwise, if the driver driving the vehicle does not have an MTPL policy, then when stopped by a traffic police officer, a fine will be issued.

4. When calculating the cost of an MTPL policy, the territorial coefficient for a vehicle owned by a legal entity is taken at the place of registration of the owner - organization, as indicated in the Unified State Register of Legal Entities (USRLE - Unified State Register of Legal Entities).

5. The value of the BBM (bonus-malus) coefficient, i.e. indicator of accident-free driving, when calculating the cost of the MTPL policy, it is applied to each car separately, depending on the history of the car with the legal entity.

We also draw the attention of legal entities insuring vehicles owned by the organization to the fact that the calculation of the MTPL policy is the same for all insurance companies. All parameters involved in calculating the MTPL policy for a legal entity are the same. The difference in the cost of a compulsory motor liability insurance policy among different insurance companies is influenced by the base rate approved by the insurance company for calculating the compulsory motor liability insurance policy for legal entities.

Increasing the age and experience coefficient

It is this part of calculating the cost of compulsory motor liability insurance that has undergone serious changes. And an increase here is also to be expected. Changes have occurred in terms of gradation of age and experience - if previously there were only 2 of them: younger and older than 22 years, less and more than 3 years of experience, now there will be more variations.

Was:

Age and experience of drivers	Coefficient
Age up to 22 years and experience up to 3 years	1,8
Age over 22 years and experience up to 3 years	1,7
Age up to 22 years and experience more than 3 years	1,6
Age over 22 years and experience more than 3 years	1

And here are the new coefficients based on the age and length of service of eligible drivers.

Something else useful for you:

How much does it cost to include a driver in MTPL insurance?
Changes in the rules for drawing up the European protocol from September 13, 2019
Is it possible to register a car with the MFC today and how? Instructions

Types of insurance for legal entities

Rice. 3 Types of insurance for legal entities

In accordance with current legislation, an MTPL policy for legal entities is issued for an unlimited number of drivers, that is, without restrictions. This norm is determined by the specifics of intensive use of a vehicle in an organization and the need for interchangeability of drivers. Thus, the organization itself decides who will be allowed to drive the vehicle. Here you need to pay attention to ensure that the employee not only has a valid driver’s license, but also the category indicated on the driver’s license corresponds to the category of the vehicle being driven. Moreover, when an insured event occurs, it is checked whether the driver in whose participation the accident occurred is officially employed by the organization.

The MTPL policy can be issued both on paper and in electronic form. There are no fundamental differences in what medium the OSAGO policy is issued on. Both policies are in the RSA database and have the same legal force.

Electronic MTPL for legal entities

In accordance with the global trend of transferring all services into electronic form, MTPL policies for legal entities are also issued electronically. At the same time, by issuing an electronic MTPL policy to the driver, the organization does not have to worry, as before, that the MTPL policy may be lost, since the electronic MTPL form can be printed as many times as desired, and if lost, there is no need to go to the insurance company to restore it . A special feature of issuing an MTPL policy for legal entities is the certification of the application for issuing a policy with an Electronic Digital Signature (EDS). The MTPL policy itself is signed with the digital signature of the head of the legal entity.

Which one to choose: electronic or paper?

Each vehicle owner makes his own decision. The main difference is that the OSAGO policy on paper is issued in a single copy with all degrees of protection, including holographic protection. An electronic MTPL policy for legal entities is issued with a mandatory electronic digital signature on the part of the legal entity. Our company issues compulsory motor liability insurance policies for legal entities on paper, but, taking into account the client’s wishes, also issues compulsory motor liability insurance policies in electronic form.

How much more expensive is MTPL insurance for a legal entity?

The calculation of the cost of an MTPL policy consists of the base rate and the coefficients applied to the base rate. The base rate for a legal entity is lower than the base rate for individuals and individual entrepreneurs. However, an MTPL policy for legal entities is always issued without restrictions, i.e. Any driver who has a valid driver's license of the appropriate category can be allowed to drive a vehicle. Therefore, the coefficient used to calculate the MTPL policy for a legal entity is taken at the maximum value. Accident rates are considered not by drivers, but by the number of accidents registered on a vehicle. Under such conditions, a compulsory motor liability insurance policy for a legal entity is at a cost higher than the cost of a compulsory motor liability insurance policy for individuals.

You can compare the cost of an MTPL policy for an individual and a legal entity using the example of a car - Hyundai Solaris, this is one of the most common cars now; for definiteness, we will assume that the owner of the car is registered in Moscow and has a CBM (discount) equal to 1.

Individual

Owner	Individual
Vehicle type	Passenger cars
Power	100 hp
Term	1 year
Age and experience	Over 22, over 3 years
KBM	1
Region	Moscow

From 8237 to 9883 rubles.

Entity

Owner	Entity
Vehicle type	Passenger cars
Power	100 hp
Term	1 year
Age and experience	Over 22, over 3 years
KBM	1
Region	Moscow

From 11115 to 13336 rubles.
We see that despite the fact that for legal entities the base rate is lower, however, due to the fact that insurance is unlimited, it is still about one and a half times more expensive. This is a common situation for legal entities. In general, this is logical, since if the car is registered to a legal entity, then any employee of the company can drive it, so it is necessary that all risks are taken into account in the price.

Is it possible to write out limited insurance for a legal entity?

In accordance with current legislation, taking into account the specifics of the activities of organizations, insurance is always issued for an unlimited number of drivers. This is convenient for both the organization and the insurance company. In practice, there is always staff turnover, so the number of specific drivers indicated in the MTPL policy for a vehicle is impractical for both the legal entity that owns the car and the insurance company. Thus, it is impossible to issue limited insurance to a legal entity.

Formula for calculating compulsory motor liability insurance

The price of the policy is calculated by multiplying the base rate of OSAGO by all coefficients used in the calculations. Their value is established in accordance with Federal Law No. 40 , and a number of additional regulations. The coefficients used in the calculations can either lower or increase the initial price of insurance.

Expert opinion

Maria Mirnaya

Insurance expert

OSAGO calculator

The basic MTPL tariff depends on the type of vehicle. It is least for vehicles belonging to categories A and M (motorcycles, mopeds, ATVs, quadricycles) - from 690 to 1400 rubles for an annual policy. For owners of cars used for personal use, basic insurance will cost from 2,000 to 4,900 rubles.

The highest base tariff will be for passenger cars used as taxis, buses and heavy trucks. For their owners, a basic OSAGO will cost from 4 to 7.6 thousand rubles. This is the nominal value and is multiplied by each of the coefficients in force today. The legislation allows auto insurers to change the basic values, at their discretion, within a range of 40% of the base rate.

Territorial

According to the initial plans of legislators, with the onset of 2020. the territorial coefficient of compulsory motor liability insurance was planned to be abolished. However, this decision was temporarily suspended, and it continues to be used in calculating the price of compulsory motor liability insurance. The TC is established depending on the place of residence of the car owner. This is due to higher or lower insurance risks – compensation payments if the insured car is involved in an accident.

For some regions with unfavorable accident statistics and a large number of cars registered in them, this coefficient increases the price of the policy. For regions with low traffic density, a reduction factor is applied.

So, for Moscow it is 2, St. Petersburg and Kemerovo – 1.9, Krasnodar, Ufa, Yekaterinburg, Novokuznetsk – 1.8. Car insurance for residents of Buryatia, Dagestan, Chechnya, Ingushetia, and Kalmykia will cost less than the base rate - only 0.6 of the base rate.

Bonus-malus

The KBM class was introduced as a bonus incentive for drivers who follow traffic rules and do not commit car accidents. For each accident-free year, the driver’s class in the KBM rating increases by one point, which makes it possible to purchase insurance next year with a 5 percent discount. The maximum discount is provided for the 10th class, and is 50% of the base price of OSAGO.

For persons who have committed an accident through their own fault, the class of car insurance in the coming year is reduced, and the car insurance policy is more expensive. The lowest level in the bonus-malus system is given for three consecutive accidents within three years. For such a driver, insurance will cost 2.45 times more than its nominal value.

Driver age and experience

The age of the driver included in the insurance and his driving experience also affect the cost of insurance. In this case, prices for compulsory motor liability insurance will be the highest for persons who do not yet have driving experience and are under 22 years of age. Since September 2020, a price-increasing coefficient of 1.93 (previously 1.87) has been applied to them.

For an experienced driver, purchasing a policy will be much cheaper than for a beginner. For example, if his experience exceeds 14 years and his age is more than 59 years, then motor vehicle liability insurance will cost 10% less than the base rate.

Limitation on the number of drivers

According to the regulations of Federal Law No. 40, all compulsory car insurance policies, according to the number of persons included in them, are of two types:

With limited numbers.
No limits.

In the first case, each driver allowed to drive a vehicle enters the form. To add a new person to the policy, you need to contact the insurer. Unlimited insurance does not contain data about specific drivers. If you have such a policy, the car can be driven by all persons who have permission from the owner of the car.

Expert opinion

Maria Mirnaya

Insurance expert

OSAGO calculator

Unlimited insurance will traditionally cost the car owner 87% more. The fact is that when a new person is added to a limited policy, its price is simultaneously recalculated. The new prices here depend on the individual characteristics of the driver being entered: age, experience, KBM, etc. No new names are added to an unlimited policy, and, accordingly, no recalculations are made. All possible risks associated with driving a vehicle by inexperienced or undisciplined drivers are included in the base price of an unlimited policy.

Engine power

Power factor is another calculation criterion that was planned to be abolished in 2021. But in the end, it was decided to leave it until further notice. The base coefficient equal to one is used here for cars with power from 50 to 70 hp . Owners of cars with engine power less than 50 hp. you will have to pay 0.6 of the base price.

Increasing MTPL coefficients apply to vehicles starting from 70 hp:

From 70 to 100 hp – 1.1
From 100 to 120 hp – 1.2
From 120 to 150 – 1.4
More than 150 hp – 1.6.

Violation rate

This coefficient was introduced on the basis of Art. No. 9 Federal Law No. 40 . It provides for an increase in the price of car insurance for citizens who previously violated the terms of the concluded contract. Please note that this does not mean violations of traffic rules, but rather the rules for concluding a contract. For example, this is the provision of false information, or forgery of documents. For such persons, insurance, the next time they issue compulsory motor liability insurance, will cost 1.5 times more.

Insurance period

This indicator applies to vehicles registered abroad and used temporarily in the Russian Federation. Here, a coefficient equal to one is used only when insuring a foreign car for a period of more than 10 months.

Expert opinion

Maria Mirnaya

Insurance expert

OSAGO calculator

When taking out a policy for six months, it will be equal to 0.7. And when purchasing compulsory motor liability insurance for the shortest period allowed in this case - 5 days, car insurance will cost 80% less than the nominal value.

Seasonal coefficient

The period for which the insurance contract is concluded also affects the price of the policy for the car owner. The minimum insurance period is 3 months, and the maximum is 1 year. The longer the contract is concluded, the more expensive the final price of the basic tariff will be.

This indicator plays a role for vehicle owners who take out insurance for a period of less than 10 months. If a person uses his car only for a certain time of the year, then it is not advisable for him to buy compulsory motor insurance for the entire 12 months. The “unit” coefficient, equal to the base price, is applied when concluding a contract for a period of more than 10 months.

The lowest coefficient will be for a policy valid for 3 months - only 0.5, and when taking out insurance for six months - 0.7.

Trailer coefficient

Using a trailer when operating a vehicle potentially increases the risk of it getting into an accident. This is due to an increase in the total weight of the car and a deterioration in its handling. Therefore, increasing factors are applied to vehicles using trailers.

If there is a trailer for passenger cars and motorcycles, the price of MTPL increases by 1.16. For trucks and tractors, this figure will be 1.24 - 1.4, depending on the tonnage and type of vehicle.

What do you need to know about odds?

To purchase compulsory motor liability insurance, it is not enough to know only about basic tariffs. The second part is multiplying the tariff by some coefficients. They, in turn, influence the final cost as factors that increase or decrease the likelihood of insured events occurring.

In total, the government has established eight types of coefficients, which depend on the territory, the payer’s insurance history, the age of the car and other information.

Territorial coefficients

Taking into account the place of residence of the car owner, special coefficients have been established for each region of Russia. The place of residence is the place of registration of an individual or the location of a legal entity (its representative office or branch).

Documents confirming the fact of residence are a passport of a citizen of the Russian Federation, a vehicle passport, a vehicle registration certificate, constituent documents of a legal entity (depending on the situation)

Payer's insurance history

Insurance history is taken into account when calculating insurance and affects the accident-free rate. If insurance premiums were paid last year to the benefit of the vehicle owner, the size of the coefficient increases proportionally.

Thus, depending on the number of such payments, the owner, in the case of accident-free ownership of the vehicle for more than ten years, will have a value of only 0.5; but if there were precedents, the size of the coefficient will increase to 2.45.

Driver ratio

If the car owner has established a limited circle of people who have the right to drive his vehicle, then this fact will affect the final price. If specific drivers are included in the policy, then the coefficient will be equal to 1, but if there are no such restrictions on the number of persons, the owner will receive a coefficient of 1.8.

Driver, his experience and age

Even when calculating the compulsory motor vehicle liability insurance policy, you need to take into account the driver’s age and driving experience.

The minimum size (1) will be for a driver over 22 years of age and with more than 3 years of driving experience. The rest, and these are novice car enthusiasts, will receive a coefficient of 1.8.

If several drivers of different ages are included in the policy, then the tariff rate is multiplied by the maximum indicator.

Car power

The coefficient for this parameter must be taken into account. Size ranges from 0.6 to 1.6. Depends on the power of the vehicle's power unit, which is measured in horsepower.

If the power is unknown, then the official value from the manufacturer is taken. In cases with electric motors, the power of which is measured not in horsepower, but in kilowatts, you need to convert 1 kW into 1.36 hp.

Other odds

When calculating the policy, you need to take into account the presence of a trailer, which also affects the coefficients. For regular trailers for passenger cars, the owner will receive a coefficient with a base value of 1, but for a large semi-trailer or trailer the size will increase to 1.40.

It is also important to consider the length of time you have owned the vehicle. Typically, vehicle owners buy policies for use for a period of 10 to 12 months (year), but laws provide for the opportunity to purchase them for a shorter period, i.e. for the minimum period of compulsory motor liability insurance. Thus, if the period of use is only 3 months, the owner will pay only half of the annual cost of the policy.