The OSAGO coefficient by region is established by law and can be adjusted by instructions or additions to the calculation rules of the Bank of Russia. The regional coefficient is included in the standard formula for calculating the cost of compulsory motor insurance. The lowest coefficient is 0.5, refers to sparsely populated and subsidized regions. Maximum regional coefficient for insurance in Moscow.
What does the regional coefficient depend on?
When forming the coefficient for compulsory motor liability insurance by region, the number and density of the population of each specific region, autonomous district, region, settlement, city is taken into account. The number of registered vehicles in a given region is taken into account. The differences that are formed on the basis of general statistics can be significant. Due to different concentrations of population and vehicles, the insurance ratio in cities is always higher than in the region. For example, if in Moscow the regional coefficient is 2, then in the Moscow region it is 1.7.
An important factor in assigning the appropriate coefficient is the accident rate. The more accidents in a region, the higher the regional MTPL coefficient. This is due to the risks of the insurance company. The higher the risks, the higher the insurance price.
Periodically, the coefficients are adjusted by the Bank of Russia; changes are made centrally to the rules for calculating the coefficient by region, which are mandatory for all insurance companies. The last adjustment was made in 2015 due to an increase in the maximum insurance payment.
Features of the use of CT
The regional OSAGO coefficient, like other multipliers for calculating the cost of an insurance policy for a car, can either increase the price of insurance or reduce it. The first case is possible when the coefficient is greater than 1, the second - when it is less than 1. If it is equal to 1, then the estimated cost will not change, provided that all other coefficients are also equal to 1. But such a coincidence happens extremely rarely.
When calculating, the CT of the region in which the owner of the car is registered or temporarily registered is used. In some situations, the value of the regional coefficient at the place of registration is much higher than the value of the regional coefficient at the place where the car is used, so the car owner asks to register the car of relatives or friends living in a subject of the Russian Federation with a low CT. This allows you to buy a compulsory motor liability insurance policy at a reduced price, but in the future it can lead to problems (if a relative dies, the car cannot be used until inheritance rights, etc.). Many legal entities register their organizations in the regions so as not to overpay for insurance on a car, tractor or other vehicle of the enterprise.
How to find out your regional coefficient
The coefficient is not calculated at the place where the car was purchased, as one might expect, and not at the place where the vehicle is used. The regional coefficient is tied to the registration or temporary registration of the car owner. That is, a Muscovite, purchasing a car in Cheboksary, will buy MTPL insurance at Moscow rates, even if he drives in Cheboksary or the Murmansk region. If the coefficients vary significantly, it may make sense to register the car in the regions. To do this, you will have to negotiate with one of your relatives or friends who has a local registration, or get a regional registration yourself.
For individual entrepreneurs and enterprises, the calculation of the regional coefficient is carried out according to the region of official registration of the organization, according to the region of the legal address.
For motor transport companies, the difference in insurance costs can result in significant amounts. It may actually make sense to register a business in the region in order to get savings. The regional OSAGO coefficient can change the total cost of insurance by almost 4 times - from a minimum value of 0.6 to a maximum of 2.0.
Knowing the correct values of all coefficients, you can correctly calculate the cost of MTPL insurance for your car and even save a lot. For your convenience, we provide complete tables of regional coefficients for territories, republics and districts.
What is the territory coefficient (CT) in OSAGO?
The territorial MTPL coefficient (CT) is one of the indicators that the insurance company takes into account when calculating the final cost of a car insurance policy. According to Article 9 of the Law “On Compulsory Motor Liability Insurance”, the indicator directly depends on the place of registration of the owner of the vehicle, which is indicated in the citizen’s passport or documents for the car (PTS, registration certificate). For legal entities that own tractors and self-propelled machines, it is established depending on the region of registration of the organization specified in the constituent documents. It’s quite easy to see that this parameter significantly affects the final price of the policy using the following example:
An example of the dependence of the cost of an MTPL policy on the region of issue
The driver owns a car with a capacity of 110 hp.
With all other factors being equal (the age of the car owner is over 22 years old, and the driving experience is more than 3 years; compulsory motor liability insurance was not previously issued), the cost of a Moscow resident’s policy, depending on the company (specifically the base tariff chosen by the insurer) will vary from 8,236 to 9 883 rubles. If this driver were registered in Kaliningrad, then exactly the same insurance would cost him from 4,530 to 5,435 rubles. The difference is more than significant. The territory coefficient, as well as other parameters affecting the calculation of the cost of car insurance, is regulated by a number of legislative acts. We are talking primarily about the decree of the Central Bank of Russia No. 3384-U. It sets the basic rates of insurance tariffs, including regional CT. The calculation rules and the list of applied multipliers are also approved by Articles 8-9 of the Law “On Compulsory Motor Liability Insurance”.
Table of regional coefficients by republic
The values have 2 digits for each region - for conventional vehicles and for tractors, agricultural machinery, and self-propelled vehicles. As a rule, the coefficient for tractors is much lower, this must be taken into account.
The cost of insurance, like a constructor, consists of several nuances
| Region, subject of the Federation, joint-stock company | Importance for motor transport | Tractors, self-propelled vehicles |
| Moscow | 2 | 1.2 |
| Adygea | 1.3 | 1 |
| Karachay-Cherkessia | 1 | 0.8 |
| Tyva | 0.6 | 0.5 |
| Chechnya | 0.6 | 0.5 |
| Crimea | 0.6 | 0.6 |
| Leningrad region | 1.3 | 0.8 |
| Moscow region | 1.7 | 1 |
| Jewish Autonomous Region | 0.6 | 0.5 |
| Nenets Autonomous Okrug | 0.8 | 0.5 |
| Baikonur | 0.6 | 0.5 |
| Altai Republic | Importance for motor transport | Tractors, self-propelled vehicles |
| Gorno-Altaisk | 1.3 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Bashkortostan | ||
| Oktyabrsky, Blagoveshchensk | 1.2 | 0.8 |
| Ishimbay, Salavat, Kumertau | 1.1 | 0.8 |
| Sterlitamak, Tuymazy | 1.3 | 0.8 |
| Ufa | 1.8 | 1 |
| Other cities | 1 | |
| Dagestan | ||
| Buynaksk, Khasavyurt, Derbent, Makhachkala, Kaspiysk | 0.7 | 0.5 |
| Other settlements | 0.6 | 0.5 |
| Buryatia | Importance for motor transport | Tractors, self-propelled vehicles |
| Ulan-Ude | 1.3 | 0.8 |
| Other settlements | 0.6 | 0.5 |
| Ingushetia | ||
| Malgobek | 0.8 | 0.6 |
| Other settlements | 0.6 | 0.5 |
| Kabardino-Balkaria | ||
| Nalchik, Prokhladny | 1 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Kalmykia | ||
| Elista | 1.3 | 0.8 |
| Other settlements | 0.6 | 0.5 |
| Komi | Importance for motor transport | Tractors, self-propelled vehicles |
| Syktyvkar | 1.6 | 1 |
| Ukhta | 1.5 | 0.8 |
| Other settlements | 1 | 0.8 |
| Karelia | ||
| Petrozavodsk | 1.3 | 0.8 |
| Other settlements | 0.8 | 0.5 |
| Mordovia | ||
| Ruzaevka | 1.2 | 1 |
| Saransk | 1.5 | 1 |
| Other settlements | 0.8 | 0.6 |
| Mari El | ||
| Volzhsk | 1 | 0.8 |
| Yoshkar-Ola | 1.4 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| North Ossetia | Importance for motor transport | Tractors, self-propelled vehicles |
| Vladikavkaz | 1 | 0.8 |
| Other settlements | 0.8 | 0.5 |
| Sakha | ||
| Neryungri | 0.8 | 0.5 |
| Yakutsk | 1.2 | 0.7 |
| Other settlements | 0.6 | 0.5 |
| Khakassia | ||
| Abakan, Chernogorsk, Sayanogorsk | 1 | 0.8 |
| Other settlements | 0.6 | 0.5 |
| Tatarstan | ||
| Kazan | 2 | 1.2 |
| Bugulma, Leninogorsk, Chistopol | 1 | 0.8 |
| Elabuga | 1.2 | 0.8 |
| Naberezhnye Chelny | 1.7 | 1 |
| Almetyevsk, Zelenodolsk, Nizhnekamsk | 1.3 | 0.8 |
| Other settlements | 1.1 | 0.8 |
| Chuvashia | Importance for motor transport | Tractors, self-propelled vehicles |
| Novocheboksarsk | 1.2 | 0.8 |
| Kanash | 1.1 | 0.8 |
| Cheboksary | 1.7 | 1 |
| Other settlements | 0.8 | 0.5 |
| Udmurtia | ||
| Glazov, Sarapul | 1 | 0.8 |
| Izhevsk | 1.6 | 1 |
| Votkinsk | 1.1 | 0.8 |
| Other settlements | 0.8 | 0.5 |
Regional OSAGO coefficients around the edges
| Altai region | Importance for motor transport | Tractors, self-propelled vehicles |
| Biysk | 1.2 | 0.8 |
| Barnaul | 1.7 | 1 |
| Zarinsk, Novoaltaisk, Rubtsovsk | 1.1 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Kamchatka Krai | ||
| Petropavlovsk-Kamchatsky | 1.3 | 1 |
| Other settlements | 1 | 0.6 |
| Stavropol region | ||
| Budennovsk, Georgievsk, Essentuki, Mineralnye Vody, Nevinnomyssk, Pyatigorsk | 1 | 0.8 |
| Kislovodsk, Mikhailovsk, Stavropol | 1.2 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Transbaikal region | Importance for motor transport | Tractors, self-propelled vehicles |
| Chita | 0.7 | 0.5 |
| Other settlements | 0.6 | 0.5 |
| Krasnodar region | ||
| Sochi, Armavir, Tuapse | 1.2 | 0.8 |
| Anapa, Gelendzhik | 1.3 | 0.8 |
| Belorechensk, Slavyansk-on-Kuban, Yeysk, Kropotkin, Krymsk, Kurganinsk, Labinsk, Timashevsk, Tikhoretsk | 1.1 | 0.8 |
| Krasnodar, Novorossiysk | 1.8 | 1 |
| Other settlements | 1 | 0.8 |
| Krasnoyarsk region | ||
| Krasnoyarsk | 1.8 | 1 |
| Kansk, Lesosibirsk, Minusinsk, Nazarovo | 1 | 0.8 |
| Zelenogorsk, Achinsk | 1.1 | 0.8 |
| Zheleznogorsk, Norilsk | 1.3 | 0.8 |
| Other settlements | 0.9 | 0.5 |
| Primorsky Krai | ||
| Arsenyev, Artem, Nakhodka, Spassk-Dalniy, Ussuriysk | 1 | 0,8 |
| Vladivostok | 1,4 | 1 |
| Other settlements | 0,7 | 0,5 |
| Perm region | Importance for motor transport | Tractors, self-propelled vehicles |
| Solikamsk | 1.2 | 0.8 |
| Berezniki, Krasnokamsk | 1.3 | 0.8 |
| Permian | 2 | 1.2 |
| Lysva, Tchaikovsky | 1 | 0.8 |
| Other settlements | 1.1 | 0.8 |
| Khabarovsk region | ||
| Khabarovsk | 1.7 | 1 |
| Komsomolsk-on-Amur | 1.3 | 0.8 |
| Amursk | 1 | 0.8 |
| Other settlements | 0.8 | 0.5 |
| Arhangelsk region | ||
| Severodvinsk | 1.7 | 1 |
| Arkhangelsk | 1.8 | 1 |
| Kotlas | 1.6 | 1 |
| Other settlements | 1 | 0.5 |
OSAGO regional coefficients by region
| Amur region | Importance for motor transport | Tractors, self-propelled vehicles |
| Belogorsk, Svobodny | 1.1 | 0.9 |
| Blagoveshchensk | 1.6 | 0.9 |
| Other settlements | 1 | 0.6 |
| Astrakhan region | ||
| Astrakhan | 1.4 | 1 |
| Other settlements | 0.8 | 0.5 |
| Bryansk region | ||
| Klintsy | 1 | 0.8 |
| Bryansk | 1.5 | 1 |
| Other settlements | 0.7 | 0.5 |
| Volgograd region | ||
| Kamyshin, Mikhailovka | 1 | 0.8 |
| Volzhsky | 1.1 | 0.8 |
| Volgograd | 1.3 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Belgorod region | Importance for motor transport | Tractors, self-propelled vehicles |
| Gubkin, Stary Oskol | 1 | 0.8 |
| Belgorod | 1.3 | 0.8 |
| Other settlements | 0.8 | 0.5 |
| Vologda Region | ||
| Cherepovets | 1.8 | 1 |
| Vologda | 1.7 | 1 |
| Other settlements | 0.9 | 0.5 |
| Voronezh region | ||
| Borisoglebsk, Liski, Rossosh | 1.1 | 0.9 |
| Voronezh | 1.5 | 0.9 |
| Other settlements | 0.8 | 0.6 |
| Vladimir region | ||
| Moore | 1.2 | 0.8 |
| Vladimir | 1.6 | 1 |
| Gus-Khrustalny | 1.1 | 0.8 |
| Other settlements | 1 | 0.8 |
| Voronezh region | Importance for motor transport | Tractors, self-propelled vehicles |
| Borisoglebsk, Liski, Rossosh | 1.1 | 0.9 |
| Voronezh | 1.5 | 1.1 |
| Other settlements | 0.8 | 0.6 |
| Irkutsk region | ||
| Usolye-Sibirskoye | 1.1 | 0.8 |
| Irkutsk | 1.7 | 1 |
| Angarsk | 1.2 | 0.8 |
| Shelekhov | 1.3 | 0.8 |
| Bratsk, Tulun, Ust-Kut, Cheremkhovo, Ust-Ilimsk | 1 | 0.8 |
| Other settlements | 0.8 | 0.5 |
| Ivanovo region | ||
| Ivanovo | 1.8 | 1 |
| Shuya | 1 | 0.8 |
| Kineshma | 1.1 | 0.8 |
| Other settlements | 0.9 | 0.5 |
| Kirov region | Importance for motor transport | Tractors, self-propelled vehicles |
| Kirovo-Chepetsk | 1.2 | 0.8 |
| Kirov | 1.4 | 1 |
| Kirovo-Chepetsk | 1.2 | 0.8 |
| Other settlements | 0.8 | 0.5 |
| Kaluga region | ||
| Obninsk | 1.3 | 0.8 |
| Kaluga | 1.2 | 0.8 |
| Other settlements | 0.9 | 0.5 |
| Kemerovo region | ||
| Anzhero-Sudzhensk, Kiselevsk, Yurga | 1.2 | 0.8 |
| Novokuznetsk | 1.8 | 1 |
| Kemerovo | 1.9 | 1 |
| Belovo, Berezovsky, Mezhdurechensk, Osinniki, Prokopyevsk | 1.3 | 0.8 |
| Other settlements | 1.1 | 0.8 |
| Kaliningrad region | ||
| Kaliningrad | 1.1 | 0.8 |
| Other settlements | 0.8 | 0.5 |
| Kostroma region | Importance for motor transport | Tractors, self-propelled vehicles |
| Kostroma | 1.3 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Kursk region | ||
| Kursk | 1.2 | 0.8 |
| Zheleznogorsk | 1 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Kurgan region | ||
| Shadrinsk | 1.1 | 0.8 |
| Mound | 1.4 | 0.8 |
| Other settlements | 0.6 | 0.5 |
| Lipetsk region | ||
| Dace | 1 | 0.8 |
| Lipetsk | 1.5 | 1 |
| Other settlements | 0.8 | 0.5 |
| Murmansk region | Importance for motor transport | Tractors, self-propelled vehicles |
| Apatity, Monchegorsk | 1.3 | 1 |
| Severomorsk | 1.6 | 1 |
| Murmansk | 2.1 | 1.2 |
| Other settlements | 1.2 | 1 |
| Magadan Region | ||
| Magadan | 0.7 | 0.5 |
| Other settlements | 0.6 | 0.5 |
| Novosibirsk region | ||
| Kuibyshev | 1 | 0.8 |
| Novosibirsk | 1.7 | 1 |
| Iskitim | 1.2 | 0.8 |
| Berdsk | 1.3 | 0.8 |
| Other settlements | 0.9 | 0.5 |
| Novgorod region | ||
| Borovichi | 1 | 0.8 |
| Velikiy Novgorod | 1.3 | 0.8 |
| Other settlements | 0.9 | 0.5 |
| Nizhny Novgorod Region | Importance for motor transport | Tractors, self-propelled vehicles |
| Balakhna, Bor, Dzerzhinsk | 1.3 | 0.8 |
| Nizhny Novgorod | 1.8 | 1 |
| Arzamas, Vyksa, Sarov | 1.1 | 0.8 |
| Kstovo | 1.2 | 0.8 |
| Other settlements | 1 | 0.8 |
| Orenburg region | ||
| Buguruslan, Buzuluk, Novotroitsk | 1 | 0.8 |
| Orsk | 1.1 | 0.8 |
| Orenburg | 1.7 | 1 |
| Other settlements | 0.8 | 0.5 |
| Oryol Region | ||
| Eagle | 1.2 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Omsk region | ||
| Omsk | 1.6 | 1 |
| Other settlements | 0.9 | 0.5 |
| Pskov region | Importance for motor transport | Tractors, self-propelled vehicles |
| Velikie Luki | 1 | 0.8 |
| Pskov | 1.2 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Penza region | ||
| Zarechny | 1.2 | 0.8 |
| Kuznetsk | 1 | 0.8 |
| Penza | 1.4 | 1 |
| Other settlements | 0.7 | 0.5 |
| Rostov region | ||
| Azov | 1.2 | 0.8 |
| Rostov-on-Don | 1.8 | 1 |
| Volgodonsk, Gukovo, Kamensk-Shakhtinsky, Novocherkassk, Novoshakhtinsk, Salsk, Taganrog | 1 | 0.8 |
| Bataysk | 1.3 | 0.8 |
| Mines | 1.1 | 0.8 |
| Other settlements | 0.8 | 0.5 |
| Ryazan Oblast | ||
| Ryazan | 1.4 | 1 |
| Other settlements | 0.9 | 0.5 |
| Saratov region | Importance for motor transport | Tractors, self-propelled vehicles |
| Balakovo, Balashov, Volsk | 1 | 0.8 |
| Saratov | 1.6 | 1 |
| Engels | 1.2 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Samara Region | ||
| Novokuybyshevsk, Syzran | 1.1 | 0.8 |
| Tolyatti | 1.5 | 1 |
| Samara | 1.6 | 1 |
| Chapaevsk | 1.2 | 0.8 |
| Other settlements | 0.9 | 0.5 |
| Sakhalin region | ||
| Yuzhno-Sakhalinsk | 1.5 | 1 |
| Other settlements | 0.9 | 0.5 |
| Sverdlovsk region | ||
| Ekaterinburg | 1.8 | 1 |
| Novouralsk, Berezovsky, Pervouralsk, Verkhnyaya Pyshma, | 1.3 | 0.8 |
| Polevskoy, Verkhnaya Salda | 1.2 | 0.8 |
| Asbest, Revda | 1.1 | 0.8 |
| Other settlements | 1 | 0.8 |
| Smolensk region | Importance for motor transport | Tractors, self-propelled vehicles |
| Smolensk | 1.2 | 0.8 |
| Yartsevo, Safonovo, Vyazma, Roslavl | 1 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Tver region | ||
| Tver | 1.5 | 1 |
| Kimry, Vyshny Volochek, Rzhev | 1 | 0.8 |
| Other settlements | 0.8 | 0.5 |
| Tomsk region | ||
| Tomsk | 1.6 | 1 |
| Seversk | 1.2 | 0.8 |
| Other settlements | 0.9 | 0.5 |
| Tula region | Importance for motor transport | Tractors, self-propelled vehicles |
| Tula | 1.5 | 1 |
| Shchekino, Uzlovaya, | 1.2 | 0.8 |
| Novomoskovsk, Aleksin, Efremov | 1 | 0.8 |
| Other settlements | 0.9 | 0.5 |
| Tambov Region | ||
| Michurinsk | 1 | 0.8 |
| Tambov | 1.2 | 0.8 |
| Other settlements | 0.8 | 0.5 |
| Ulyanovsk region | ||
| Ulyanovsk | 1.5 | 1.1 |
| Dimitrovgrad | 1.2 | 0.9 |
| Other settlements | 0.9 | 0.6 |
| Tyumen region | Importance for motor transport | Tractors, self-propelled vehicles |
| Tobolsk | 1.3 | 0.8 |
| Tyumen | 2 | 1.2 |
| Other settlements | 1.1 | 0.8 |
| Chelyabinsk region | ||
| Chelyabinsk | 2.1 | 1.3 |
| Magnitogorsk | 1.8 | 1 |
| Kopeisk | 1.6 | 1 |
| Miass, Zlatoust | 1.4 | 0.8 |
| Chebarkul, Satka | 1.2 | 0.8 |
| Other settlements | 1 | 0.8 |
| Yaroslavl region | ||
| Yaroslavl | 1.5 | 1 |
| Other settlements | 0.9 | 0.5 |
Current rates in 2021
There is a base rate that applies to any type of transport in the Russian Federation.
This is a figure that does not depend on the region of residence, car brand, driver experience and other conditions. Thus, the base rate for compulsory motor vehicle liability insurance for a truck differs from the base rate for passenger vehicles.
Not every driver monitors changes in the conditions of the motor vehicle license for individuals. And not every car owner takes into account the importance of these changes, without thinking that sometimes small fly-by-night insurance organizations are looking for ways to deceive.
In 2014, the base was considered to be 1,980 rubles, and additional coefficients more than doubled the final cost. That is, the allowances were greater than the basic base. Today, a contract with an insurance organization will cost more for those drivers who live in regions with a high accident rate. The highest odds are in Moscow, and the lowest are in Volgograd.
Most insurance organizations choose the maximum value as the basis for compulsory motor liability insurance in their calculations. This in 2021 led to an increase in the average cost of insurance for individuals by almost 30%. Considering that the maximum payment for insured events exceeds 400 thousand rubles, the innovations are fully justified.
The size of the final insurance package for individuals and legal entities differs significantly. By 2021, the base indicator for a legal entity will not reach 4 thousand. Below you can see the base rates for 2021 for different types of transport.
Table of current rates of the MTPL base for 2021
| No. | Category | Base rate in rubles | |
| Minimum | Maximum | ||
| 1 | Purpose A, M | 867 | 1579 |
| 2 | Purpose B, BE for legal entities/individuals/taxi drivers | 2573/3432/5138 | 3087/4118/6166 |
| 3 | Purpose C, CE weight less than 16 tons/more than 16 tons | 3509/5284 | 4211/6341 |
| 4 | Purpose D, DE Passengers up to 16/more than 16/for regular transportation along the route with stops | 2808/3509/5138 | 3370/4211/6166 |
| 5 | Purpose of TB (trolleybuses) | 2808 | 3370 |
| 6 | Purpose TM (trams) | 1751 | 2101 |
| 7 | Tractors, self-propelled vehicles on wheels | 1124 | 1579 |
Special increasing coefficients have been established for Russian regions. These are coefficients, the size of which depends on the number of accidents over a certain period in a given region. The higher the coefficient, the higher the final cost of MTPL insurance (the base rate is multiplied with the coefficients).
| Region | Coefficient |
| Moscow | 2 |
| Saint Petersburg | 1,8 |
| Ekaterinburg | 1,8 |
| Adygea | 1,3 |
| Nalchik | 1 |
| Elista | 1,3 |
| Crimea | 0,6 |
| Kazan | 2 |
| Permian | 2 |
| Vladivostok | 1,4 |
| Khabarovsk | 1,7 |
The greater the number of accidents in the city, the higher the coefficient is set. There are several such coefficients, each of them affects the cost of the final MTPL package. The final cost is affected by:
- driver experience;
- vehicle category;
- engine power;
- region;
- term of motor vehicle license;
- driver's age and so on.
This figure increases depending on the power of the car. The minimum threshold is 0.6, the maximum is 1.6 points.
| № | Engine | What is the coefficient |
| 1 | Less than 50 or equal | 0,6 |
| 2 | More than 51 but less than or equal to 70 | 1 |
| 3 | Greater than 71 but less than or equal to 100 | 1,1 |
| 4 | Greater than 101 but less than or equal to 120 | 1,2 |
| 5 | Greater than 121 but less than or equal to 150 | 1,4 |
| 6 | More than 151 | 1,6 |
The cost of compulsory motor liability insurance is largely influenced by the region. Moreover, one region sometimes includes cities with different CT. For example, in regional centers the coefficient is higher than in small settlements. Some CT values are presented in Table 1.
The data given is relevant for all vehicles except special equipment as of January 2021. The values of territorial OSAGO coefficients for other localities can be found on the RSA Internet portal.
When forming the coefficient for compulsory motor liability insurance by region, the number and density of the population of each specific region, autonomous district, region, settlement, city is taken into account. The number of registered vehicles in a given region is taken into account. The differences that are formed on the basis of general statistics can be significant.
An important factor in assigning the appropriate coefficient is the accident rate. The more accidents in a region, the higher the regional MTPL coefficient. This is due to the risks of the insurance company. The higher the risks, the higher the insurance price.
The coefficient is not calculated at the place where the car was purchased, as one might expect, and not at the place where the vehicle is used. The regional coefficient is tied to the registration or temporary registration of the car owner. That is, a Muscovite, purchasing a car in Cheboksary, will buy MTPL insurance at Moscow rates, even if he drives in Cheboksary or the Murmansk region.
For individual entrepreneurs and enterprises, the calculation of the regional coefficient is carried out according to the region of official registration of the organization, according to the region of the legal address.
Knowing the correct values of all coefficients, you can correctly calculate the cost of MTPL insurance for your car and even save a lot. For your convenience, we provide complete tables of regional coefficients for territories, republics and districts.
The values have 2 digits for each region - for conventional vehicles and for tractors, agricultural machinery, and self-propelled vehicles. As a rule, the coefficient for tractors is much lower, this must be taken into account. The cost of insurance, like a constructor, consists of several nuances
| Region, subject of the Federation, joint-stock company | Importance for motor transport | Tractors, self-propelled vehicles |
| Moscow | 2 | 1.2 |
| Adygea | 1.3 | 1 |
| Karachay-Cherkessia | 1 | 0.8 |
| Tyva | 0.6 | 0.5 |
| Chechnya | 0.6 | 0.5 |
| Crimea | 0.6 | 0.6 |
| Leningrad region | 1.3 | 0.8 |
| Moscow region | 1.7 | 1 |
| Jewish Autonomous Region | 0.6 | 0.5 |
| Nenets Autonomous Okrug | 0.8 | 0.5 |
| Baikonur | 0.6 | 0.5 |
| Altai Republic | Importance for motor transport | Tractors, self-propelled vehicles |
| Gorno-Altaisk | 1.3 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Bashkortostan | ||
| Oktyabrsky, Blagoveshchensk | 1.2 | 0.8 |
| Ishimbay, Salavat, Kumertau | 1.1 | 0.8 |
| Sterlitamak, Tuymazy | 1.3 | 0.8 |
| Ufa | 1.8 | 1 |
| Other cities | 1 | |
| Dagestan | ||
| Buynaksk, Khasavyurt, Derbent, Makhachkala, Kaspiysk | 0.7 | 0.5 |
| Other settlements | 0.6 | 0.5 |
| Buryatia | Importance for motor transport | Tractors, self-propelled vehicles |
| Ulan-Ude | 1.3 | 0.8 |
| Other settlements | 0.6 | 0.5 |
| Ingushetia | ||
| Malgobek | 0.8 | 0.6 |
| Other settlements | 0.6 | 0.5 |
| Kabardino-Balkaria | ||
| Nalchik, Prokhladny | 1 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Kalmykia | ||
| Elista | 1.3 | 0.8 |
| Other settlements | 0.6 | 0.5 |
| Komi | Importance for motor transport | Tractors, self-propelled vehicles |
| Syktyvkar | 1.6 | 1 |
| Ukhta | 1.5 | 0.8 |
| Other settlements | 1 | 0.8 |
| Karelia | ||
| Petrozavodsk | 1.3 | 0.8 |
| Other settlements | 0.8 | 0.5 |
| Mordovia | ||
| Ruzaevka | 1.2 | 1 |
| Saransk | 1.5 | 1 |
| Other settlements | 0.8 | 0.6 |
| Mari El | ||
| Volzhsk | 1 | 0.8 |
| Yoshkar-Ola | 1.4 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| North Ossetia | Importance for motor transport | Tractors, self-propelled vehicles |
| Vladikavkaz | 1 | 0.8 |
| Other settlements | 0.8 | 0.5 |
| Sakha | ||
| Neryungri | 0.8 | 0.5 |
| Yakutsk | 1.2 | 0.7 |
| Other settlements | 0.6 | 0.5 |
| Khakassia | ||
| Abakan, Chernogorsk, Sayanogorsk | 1 | 0.8 |
| Other settlements | 0.6 | 0.5 |
| Tatarstan | ||
| Kazan | 2 | 1.2 |
| Bugulma, Leninogorsk, Chistopol | 1 | 0.8 |
| Elabuga | 1.2 | 0.8 |
| Naberezhnye Chelny | 1.7 | 1 |
| Almetyevsk, Zelenodolsk, Nizhnekamsk | 1.3 | 0.8 |
| Other settlements | 1.1 | 0.8 |
| Chuvashia | Importance for motor transport | Tractors, self-propelled vehicles |
| Novocheboksarsk | 1.2 | 0.8 |
| Kanash | 1.1 | 0.8 |
| Cheboksary | 1.7 | 1 |
| Other settlements | 0.8 | 0.5 |
| Udmurtia | ||
| Glazov, Sarapul | 1 | 0.8 |
| Izhevsk | 1.6 | 1 |
| Votkinsk | 1.1 | 0.8 |
| Other settlements | 0.8 | 0.5 |
Regional OSAGO coefficients around the edges
| Altai region | Importance for motor transport | Tractors, self-propelled vehicles |
| Biysk | 1.2 | 0.8 |
| Barnaul | 1.7 | 1 |
| Zarinsk, Novoaltaisk, Rubtsovsk | 1.1 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Kamchatka Krai | ||
| Petropavlovsk-Kamchatsky | 1.3 | 1 |
| Other settlements | 1 | 0.6 |
| Stavropol region | ||
| Budennovsk, Georgievsk, Essentuki, Mineralnye Vody, Nevinnomyssk, Pyatigorsk | 1 | 0.8 |
| Kislovodsk, Mikhailovsk, Stavropol | 1.2 | 0.8 |
| Other settlements | 0.7 | 0.5 |
| Transbaikal region | Importance for motor transport | Tractors, self-propelled vehicles |
| Chita | 0.7 | 0.5 |
| Other settlements | 0.6 | 0.5 |
| Krasnodar region | ||
| Sochi, Armavir, Tuapse | 1.2 | 0.8 |
| Anapa, Gelendzhik | 1.3 | 0.8 |
| Belorechensk, Slavyansk-on-Kuban, Yeysk, Kropotkin, Krymsk, Kurganinsk, Labinsk, Timashevsk, Tikhoretsk | 1.1 | 0.8 |
| Krasnodar, Novorossiysk | 1.8 | 1 |
| Other settlements | 1 | 0.8 |
| Krasnoyarsk region | ||
| Krasnoyarsk | 1.8 | 1 |
| Kansk, Lesosibirsk, Minusinsk, Nazarovo | 1 | 0.8 |
| Zelenogorsk, Achinsk | 1.1 | 0.8 |
| Zheleznogorsk, Norilsk | 1.3 | 0.8 |
| Other settlements | 0.9 | 0.5 |
| Primorsky Krai | ||
| Arsenyev, Artem, Nakhodka, Spassk-Dalniy, Ussuriysk | 1 | 0,8 |
| Vladivostok | 1,4 | 1 |
| Other settlements | 0,7 | 0,5 |
| Perm region | Importance for motor transport | Tractors, self-propelled vehicles |
| Solikamsk | 1.2 | 0.8 |
| Berezniki, Krasnokamsk | 1.3 | 0.8 |
| Permian | 2 | 1.2 |
| Lysva, Tchaikovsky | 1 | 0.8 |
| Other settlements | 1.1 | 0.8 |
| Khabarovsk region | ||
| Khabarovsk | 1.7 | 1 |
| Komsomolsk-on-Amur | 1.3 | 0.8 |
| Amursk | 1 | 0.8 |
| Other settlements | 0.8 | 0.5 |
| Arhangelsk region | ||
| Severodvinsk | 1.7 | 1 |
| Arkhangelsk | 1.8 | 1 |
| Kotlas | 1.6 | 1 |
| Other settlements | 1 | 0.5 |
Autonomous okrugs, OSAGO coefficients
| Khanty-Mansi Autonomous Okrug | Importance for motor transport | Tractors, self-propelled vehicles |
| Khanty-Mansiysk | 1.5 | 1 |
| Kogalym | 1 | 0.8 |
| Nizhnevartovsk | 1.8 | 1 |
| Surgut | 2 | 1.2 |
| Nefteyugansk, Nyagan | 1.3 | 0.8 |
| Other settlements | 1.1 | 0.8 |
| Chukotka Autonomous Okrug | 0.6 | 0.5 |
| Yamalo-Nenets Autonomous Okrug | ||
| Noyabrsk | 1.7 | 1 |
| New Urengoy | 1 | 0.8 |
| Other settlements | 1.1 | 0.8 |
Important points in applying coefficients
The range of coefficients for auto insurance may differ markedly.
If some of them are able to take only two values, then in the general table of the territorial coefficient there can be more than a hundred positions. All of these multipliers are not always used in full, for example:
- The CPR is not used when calculating the cost of a passenger car insurance policy;
- KM, on the contrary, is used only for passenger cars;
- The CP is not relevant for vehicles delivered in Russia.
There are other important aspects that must be taken into account. For this reason, in most situations, car owners find out the exact price of an insurance policy using a generally accepted formula or compulsory insurance calculator
If you are afraid of making a mistake, you can always contact an experienced insurance company employee.
Is it possible to calculate the cost of an MTPL policy without knowing the CT coefficient?
The OSAGO calculator instore.market is designed to automatically calculate the cost of a motor vehicle license and issue a policy. The service is easy to use. On the first page the visitor must provide the following information:
- Vehicle license plate indicating regional affiliation.
- Vehicle category.
- Period of validity of the policy.
This data is enough for the system to search for the car in the database. If successful, detailed information about the vehicle will be received. If the search does not produce results, you will have to enter the data manually. The user will have to provide information about the make and model of the vehicle, its power, year of manufacture and territory of use.
After this, you must provide information about the owner of the car and other drivers who are allowed to drive the vehicle: full name, driver's license number, date of birth and driving experience. When all this information has been entered, the “Calculate exact cost” button will become active. Click it and get the result.
As you can see, MTPL insurance ratios by region in 2021 have a great influence on pricing. Our service will help you calculate the exact cost and issue a policy with minimal client participation. We will be happy to protect the interests of drivers and prevent financial losses in the event of an accident.
How is the territorial coefficient established?
The basic values of CT in compulsory motor liability insurance are established by the following regulations:
- Federal Law No. 40, issued on April 25, 2002.
- CBR Resolution No. 3384, issued on September 19, 2004.
These regulations regulate:
- Rules for insurance of vehicles of different categories.
- The procedure for pre-trial settlement of disputes between the insurer and the client.
- Rules for drawing up a notice of an insured event.
- The procedure for recording the scene of an incident.
- The principles on which compulsory car insurance is based.
- The procedure for calculating compensation in the event of an insured event.
- Calculations of insurance premiums taking into account various indicators, including the coefficient for compulsory motor liability insurance by city.
KS - seasonality coefficient
It matters only for “seasonal” drivers who use the car exclusively for a certain period of time, for example, in the summer. Then the insurance policy can be issued for 3 or 6 months.
For example, KS for 3 months = 0.5, KS for 6 months = 0.7. When purchasing compulsory motor liability insurance for more than 10 months, KS=1.
| Length of use of the vehicle (in months) | Seasonality factor |
| 3 | 0.5 |
| 4 | 0.6 |
| 5 | 0.65 |
| 6 | 0.7 |
| 7 | 0.8 |
| 8 | 0.9 |
| 9 | 0.95 |
| 10-12 | 1 |
Factors in the formation of the cost of compulsory motor liability insurance
Vehicle engine power
. The higher the indicator, the higher the calculated power factor (PF). So, if for vehicles with engines up to 50 hp. With. it will be 0.6, then for a car with a power of more than 150 hp. With. KM increases to 1.6.
Preferential use territory (CT)
. Drivers in large cities are more likely to have accidents than those living in rural areas. Therefore, for megacities the coefficient is higher than for regions. For example, MTPL insurance rates in 2021 for car owners from Moscow include a territorial coefficient of 2.0, and for drivers near Moscow - already 1.7.
Age and experience of the driver (PIC)
. The lower the age and experience of the car owner, the higher the cost of the policy. If it is issued for several drivers, the FAC coefficient will be determined by the youngest and most inexperienced of them. And with an open policy (this is the so-called unlimited list), the coefficient will be 1.8.
Number of drivers allowed to drive vehicles (KO)
. With an unlimited list, the basic MTPL insurance rate is multiplied by the coefficient KO=1.8. When reflecting a limited list of persons in the policy - by 1.0, provided that these drivers have sufficient age and experience.
Accidents in the past (bonus malus, or BBM)
. Accident-free driving entitles you to a discount. If you drive carefully for a year, the cost of the policy is reduced by 5%, for two years in a row - by 10%, and so on. Maximum MTPL insurance rates can be reduced by 50% for 10 years.
Possibility of using vehicles with trailers (VTR).
This coefficient is relevant primarily for legal entities, owners of trucks, motorcycles and scooters. It does not apply to individuals who own passenger vehicles.
Period of use of the vehicle (KS)
. It reflects the period of time during the calendar year during which the car will be used. The minimum period of use in contracts with individuals is 3 months.
The article was written based on materials from the sites: strahovkunado.ru, autopravo.club, calculator-ipoteki.ru, revizorro.ru, www.alfastrah.ru.
How is the coefficient used?
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To calculate the cost of an insurance transport policy yourself, you will need to use a special formula - P=TB*CT*KBM*KVS*KO*KM*KS*KN*KP.
Here is a transcript and explanation for each of them:
- P – the cost of a vehicle license, which is obtained based on the results of the calculation;
- TB is the main tariff. Now it is set by the Central Bank in the form of minimum and maximum tariffs. An insurance company from the designated corridor can use any value. The majority of companies with the highest reliability ratings use favorable minimum rates;
- CT is a coefficient that directly depends on the place of permanent registration of the car owner. The value of this indicator is established strictly at the legislative level and will be discussed in more detail below;
- KBM is a special bonus-malus indicator, depending on the total number of claims by the owner for insurance payment in the previous insurance period. The total value of the coefficient can be calculated on your own using the formula and data from the table;
- KVS is a parameter that directly reflects the general pattern between the driver’s experience and age. This value is fixed at the legislative level and is reflected in the official table;
- KO - this coefficient depends on the total number of people who have the right to drive a vehicle. The indicator can be more accurately determined using a special table;
- KM – this indicator depends on the power level of the insured car. For passenger vehicles that belong to categories B and BE, the coefficient parameter can also be found in the table;
- KS – data reflecting time periods of vehicle operation. The coefficient is applied in the process of issuing an insurance policy with a limited period of application. This is often relevant for drivers who operate their cars only in autumn or winter;
- KN - reflects violations by the owner of certain conditions specified in the insurance contract. The standard coefficient is taken at a value equal to one if there are no violations, as well as 1.5 if there are any, established by modern legislation on compulsory motor liability insurance. This may be the provision of false information in the process of purchasing a policy, permission to drive a car for individuals who were not previously included in the insurance contract, it may also be unauthorized leaving the scene of an accident;
- KP is a coefficient that directly depends on the duration of the insurance policy. This value is set by the Bank and reflected in a special table.
Each of the coefficients used is very important. They can increase the cost of a vehicle insurance policy, reduce its price, or leave the price of insurance constant and unchanged.
Among numerous indicators, it is the territorial coefficient that deserves special attention.
What is the coefficient for compulsory motor liability insurance by territory and its value for 2018
OSAGO is a compulsory type of insurance that was introduced in the Russian Federation in 2003. To calculate the cost, a tariff guide was created, uniform for all companies. It is important to take into account that the coefficient for compulsory motor liability insurance varies by territory and is clearly stated for each locality. Let us consider in the article what factors influence the formation of the territorial coefficient within the framework of the compulsory insurance program and how it is used when calculating the premium.
Coefficient values for cities of the Russian Federation
- The determination of the regional CT for insurance is carried out exclusively at the place of registration of the vehicle. Thus, in order to change such an indicator, you will need to register it in another locality or city. It is possible to perform such an action only if the owner is registered as an individual in another city or the rights to own or operate a vehicle are transferred to another person;
- The value of the coefficient assigned for use in determining the price of an insurance policy is based on the average number of vehicles that are moved or used in a given locality. This fact is associated in most cases with the fact that with a greater concentration of cars within one city (village, town, region, etc.), the likelihood of road accidents increases significantly.
- Requirement for registration in a given area. This action can be performed if you have relatives or friends who have ownership rights to the property. Otherwise, you will have to register for a separate fee, and this method will clearly not bring significant benefits in terms of cost savings;
- The territorial coefficient is the same for any insurance company that you contact to purchase an insurance policy for a vehicle. In this regard, you can calculate in advance the required amount of funds that will be needed to draw up an insurance contract in a specific area.
- The highest coefficients by territory apply to vehicles intended for transporting large loads (SUVs, cargo trucks). In this case, registering a vehicle in another region will make sense.
As a result, it is more likely that a particular insured car that moves within such a city may be damaged or damage the property of another motorist, at the same time causing harm to his life or health. For example, if for the city of Moscow this coefficient is 2, then for a small village, in which even installing traffic lights sometimes seems like an unnecessary undertaking, it will already be equal to 0.5. Thus, the more cases in a particular city of receiving compensation for purchased insurance policies, the more expensive insurance may ultimately cost the owner of the vehicle.
One of the legal ways that allows you to save somewhat on purchasing an insurance policy is to register their owners in sparsely populated areas and, as a result, in parallel with this, you immediately have the opportunity to register your vehicle at the local branch of the State Traffic Safety Inspectorate. It is quite natural that for this they choose settlements with the lowest value of the insurance coefficient under the MTPL policy.
This method, of course, has a right to exist, but it is worth taking into account the following third-party factors and interference that may occur during the documentation process:
Territorial OSAGO coefficient 2021 and table of values
In accordance with Russian legislation, every driver in the country must have an insurance certificate with him. Failure to obtain a document will result in a fine.
Expert opinion
Kozlov Yuri Petrovich
Lawyer with 10 years of experience. Specialization: family law. Member of the Bar Association.
You will have to pay it every time a violation is detected. The cost of insurance depends on a large number of factors and parameters.
One of them is the MTPL territory coefficient.
