How OSAGO is calculated: formula, calculation method, coefficients

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Before contacting an insurance company, a potential client can independently determine the cost of the policy. For this purpose, a special formula for calculating compulsory motor liability insurance is used.

In addition, on the official websites of insurers and RSA you can find online calculators that allow you to quickly calculate the required amount, taking into account all factors.

How is compulsory motor liability insurance calculated using the formula?

The calculations are based on the basic insurance rate, which is multiplied by various variables that affect the final cost of the policy.

Such factors include the driving experience of the potential policyholder, his age, type, class and make of the car, its date of manufacture, degree of wear of parts, engine power, territory of use, etc.

Of no small importance is the purpose of using the car and the number of people allowed to drive it. Thus, vehicles used in commercial activities (for example, for cargo transportation, taxis) are insured at an increased rate, so insurance for such a vehicle will cost several times more than a standard policy.

Below is the formula for calculating compulsory motor liability insurance in 2021. With its help, it is possible to determine the amount of insurance premium for a specific car, taking into account various variables.

TB * KO * KS * CT * KM * KVS * KN * KBM = T

In this algorithm, the listed components have the following meanings:

• T – final price of the insurance premium;
• TB – the size of the basic tariff;
• KO – the value of the limiting coefficient, the indicators of which depend on the number of drivers who have access to the car;
• KS – seasonality coefficient, that is, the period of use of transport;
• CT – the value of the territorial coefficient (we are talking about taking into account the region in which the owner of the vehicle is registered);
• KM - coefficient responsible for the power of the car engine (accounting is carried out in horsepower);
• КН – coefficient, the value of which depends on the presence or absence of any traffic violations in the driver’s past;
• KVS is a coefficient that takes into account the age of the driver of the insured vehicle and his driving experience;
• KBM is the “bonus-malus” coefficient, reflecting the presence of insured events that occurred in the past due to the fault of the person indicated in the insurance.

Insurance companies undertake to use this formula for compulsory motor liability insurance in 2021, therefore they do not have the right to unreasonably inflate the price of the policy.

How is compulsory motor third party liability insurance calculated using the service?

The system helps to calculate the price of insurance services, compare them from different companies and make a purchase. The visitor must enter the following information:

• Vehicle registration number
• Vehicle registration region code

When the data is entered, the “Calculate” button will become active. It should be pressed. The service will search for the car in the database. If the vehicle is found, then the system will automatically receive information about the make and model of the vehicle, production date, engine power and region of registration of the owner of the car. If there is no information in the database, then the visitor must enter it himself. After this, you can click the “Next” button.

At the next stage, you need to provide information about the drivers allowed to drive the car. You must enter their full name, date of birth, driver's license information, and driving experience. After this, the “Calculate exact cost” button will appear. It needs to be pressed.

At the next stage, the system will search among Russian insurers whose reliability rating exceeds A+. A convenient comparison system will allow you to find the most profitable option. After this, the user can take out insurance. Payment is made via bank card. Information is sent via an encrypted and interception-protected channel.

When the insurance organization receives the funds, it will automatically send a digital policy to the e-mail specified by the user. The document must be printed and personally signed. Such insurance acquires full legal force. Below is a formula for calculating the cost of compulsory motor liability insurance, which will allow you to check the calculations made.

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).

An example of calculating compulsory motor liability insurance independently at new tariffs

You can calculate how much insurance will cost yourself. It is enough to know the parameters of your car.

There are two calculation options.

1 way. Calculation by formula

The final cost of the policy can be calculated using the formula, taking into account all increasing or decreasing factors.

Many people believe that independent calculations will have inaccuracies and errors, so they use the second method.

Method 2. Using the OSAGO calculator

In order to use the online calculator, you must accurately know the following data:

• car model;
• how many drugs;
• year of issue;
• driving experience;
• factory displacement.

These are the main points that can affect the cost of insurance. In addition, the period for which you plan to apply for compulsory motor liability insurance online also affects. If you have detailed information, calculating the cost will be easier than ever using an online calculator.

Since the above type of insurance is subject to Russian legislation, all officially registered insurance companies cannot offer different prices for this product. This also applies to such whales as Rosgosstrakh, Alfa Insurance, Ingosstrakh, RESO and so on. At the same time, the procedure for calculating the cost online in various offices is also no different.

To independently calculate the amount of compulsory motor liability insurance you need to:

• know the formula by which the calculation is made;
• initial data.

What data is needed

How to correctly calculate compulsory motor liability insurance? The initial data for calculating the cost of a car license are:

• base rate set by the insurer;
• coefficient depending on the region of registration of the insured vehicle;
• individual coefficient of accident-free driving (bonus-malus);
• coefficient, which is determined based on the power of the insured vehicle;
• coefficient determining the ratio of age and driving experience;
• a parameter depending on the number of persons who will be allowed to operate the insured vehicle;
• an additional coefficient applied if the driver has gross violations of insurance or traffic rules;
• seasonality of vehicle use;
• insurance validity period;
• possibility of using an insured vehicle with a trailer.

The basic tariff values ​​are presented above.

The territory coefficient parameter (Kt) depends on the place of registration of vehicles and traffic congestion in a particular city (region). For example, in Moscow the coefficient is 2, and in Smolensk – 1.2.

The individual bonus-malus coefficient (IBC) is determined by driver class. After receiving a driver's license, a person is assigned class 3 (coefficient 1).

If several drivers are allowed to drive a vehicle, then the largest coefficient value will be taken to determine the cost of insurance for compulsory motor insurance.

If several drivers are allowed to drive, the largest parameter of the age-experience coefficient will be taken for calculation.

If the driver insuring the car or indicated in the policy as a person allowed to drive committed gross violations during the previous insurance period, then the cost of the vehicle license will increase by 1.5.

Gross violations mean:

• providing the insurance company with false information when registering a motor vehicle license, which led to an incorrect calculation of the insurance premium;
• driving a car while under the influence of alcohol or drugs;
• leaving the scene of a traffic accident;
• assistance in the occurrence of an insured event;
• overestimation of damage received to increase insurance compensation;
• operation of vehicles during a period not covered by the current insurance policy;
• driving a car without a license or without insurance.

Many car owners use vehicles only during a certain period (for example, to visit their dacha in spring and summer).

In this case, the cost of a vehicle license is calculated taking into account the seasonality coefficient (Ks), the value of which varies depending on the number of months of use.

A standard auto insurance policy is issued for 1 year, but there may be situations when a shorter period of validity is required (for example, for transporting a car after purchase to the place of registration).

Many vehicles can be used with trailers. This factor leads to an increase in the risk of getting into a traffic accident, and, therefore, affects the cost of the compulsory car insurance document.

Let's look at an example of how to calculate the cost of compulsory motor insurance for a passenger car.

Determining the cost of a policy using an online calculator

Application for payment of insurance coverage to the Social Insurance Fund

Many sites offer vehicle owners to calculate the cost of insurance using a special online calculator, but they are not particularly accurate.

If you do not want to apply the formula for compulsory motor liability insurance or want to further check your calculations, use reliable services offered by the official websites of insurance companies or RSA.

For example, you can get electronic compulsory motor liability insurance at AlfaStrakhovanie JSC. The policy is issued after calculating its cost online using a special calculator and making payment by bank transfer. The finished document is sent to the client’s email.

In a similar way, you can calculate the approximate cost of the policy through the official website of the RSA. Just go to the “MTPL” section and select the subsection “Calculation of the cost of MTPL” by filling in the empty fields of the online calculator.

Good afternoon, dear reader.

This document provides updated rates that should be used when calculating the cost of compulsory motor third party liability insurance.

Please note that the guidance differs significantly from the previous version of the document, and this article will only address issues of greatest interest to drivers:

Document information

12/29/2018 The instruction was officially published on the website of the Central Bank of the Russian Federation; it comes into force in 10 days, i.e. January 9, 2021.

First of all, I would like to remind you that the cost of an insurance policy is calculated using special formulas. To obtain the cost, you need to multiply several coefficients. The formula for category B is discussed in detail in this article.

So, in the new Directive, the formulas themselves have changed slightly, but serious changes have affected the coefficients included in them. Therefore, below we will talk about updated coefficients.

Why is compulsory motor third party liability insurance cheaper for some insurers?

The calculation of the cost of compulsory motor liability insurance is the same in all insurance companies in Russia. This norm is prescribed in the Law “On Compulsory Motor Liability Insurance”. The law also established a rule according to which the insurer has the right to a commission in the amount of ten percent of the cost of the insurance policy. Then why does some insurance companies have a compulsory motor liability insurance policy that is significantly different in price from its competitors? Our recommendation is that you need to be careful with those insurers who offer an insurance policy that is 1000 rubles cheaper or more!

What is this connected with? In this case, there are two possible reasons:

1. The policy is issued on stolen forms.
2. The insurer is in bankruptcy proceedings or has already been declared bankrupt.

Now let's see how these unpleasant moments can affect the policyholder:

1. There is such a thing as “direct settlement of losses”. It is valid for all insurers that are members of the Russian Union of Auto Insurers (RUA). This fund is fueled by contributions from insurance companies working with MTPL policies. If the policyholder has entered into an insurance contract and only after that the insurance company begins the bankruptcy process, then RSA takes over all insurance payments arising for this policyholder.
2. If the client purchases a policy from a bankrupt company, then when an insured event occurs, all expenses fall on the shoulders of the unlucky policyholder - the culprit of the accident.

TB - base rate

First of all, you should pay attention to the change in base rates for different categories of vehicles. Let me remind you that currently for each category the document provides 2 values ​​- minimum and maximum. In the specified corridor, each insurance company chooses the TB value at its own discretion.

In the updated guidance, this corridor has been expanded. In short, the minimum values ​​have been reduced by 20 percent and the maximum values ​​have been increased by 20 percent.

For example, for personal cars of category B:

At first glance, it may seem that little has changed in the document, because... The corridor is extended in both directions. However, insurance companies, as a rule, set the TB value to the maximum. That is, this innovation can lead to the fact that absolutely all MTPL policies will rise in price by 20% .

KVS - age and length of service coefficient

Serious changes have affected the table for calculating the age and length of service coefficient:

In this case, the table has become more cumbersome and complex. Therefore, first of all, drivers will have to ensure that the correct coefficient is chosen when concluding an MTPL contract.

As for the coefficients themselves, then:

1. For drivers under 22 years of age with less than 3 years of driving experience, the coefficient has increased (from 1.8 to 1.87).

2. For drivers over 30 years of age with more than 10 years of experience, the coefficient decreased slightly (from 1 to 0.96).

3. For drivers over 35 years of age with more than 3 years of experience, the coefficient has decreased slightly.

The remaining values ​​in the table also changed by several percent (somewhere up, somewhere down).

At first glance, it seems that the changes are not very significant. So let's look at an example:

The driver receives a license at the age of 18 and immediately buys compulsory motor liability insurance. Let's consider how the FAC factor will change over 10 years

That is, in the first 13 years the driver will overpay half the cost of the insurance policy.

However, further the FAC will be equal to 0.96, that is, the policy will be 4 percent cheaper. Therefore, after another 13 years, the driver will “win back” the specified amount.

Starting at age 43, he will “save” 4 percent per year on the cost of the policy.

Restriction factor

The limit concerns the number of drivers who have the owner's permission to drive his car. The details of each driver are included in the insurance policy. Thus, compulsory motor liability insurance is purchased with restrictions if the owner allows only certain people to drive the car (for example, a spouse or parents). The premium coefficient in this case will be 1.

OSAGO, without restrictions, allows any authorized person of the owner who has a driver's license to drive the insured car. An unlimited policy assumes an increase factor of 1.8 and does not require the identification of all possible users of the car.

Insurance without restrictions, despite the higher coefficient, may be more profitable. If a car can be driven by several people of different ages and with different driving experience, then the age and experience coefficient, as mentioned above, is calculated according to the youngest and least experienced driver.

For legal entities, an unlimited policy gives a certain freedom, since there is no need to include new employees who have permission to use a corporate car in the document.

KBM - accident-free driving coefficient

The table for calculating the KBM coefficient in the new Directive has remained virtually unchanged. However, changes have been made to the rules for applying this coefficient.

4. When determining the size of the CBM coefficient, the information contained in the automated information system of compulsory insurance, created in accordance with Article 30 of the Federal Law “On compulsory civil liability insurance of vehicle owners” (hereinafter referred to as AIS OSAGO), is used.

Maximum insurance cost

Another important innovation, which is not immediately noticeable in the text of the regulatory document, is the abolition of the restriction on the maximum cost of compulsory motor insurance:

5. The maximum amount of the insurance premium under a compulsory insurance contract cannot exceed 3 times the base rate of the insurance tariff, adjusted depending on the territory of primary use of the vehicle, and when applying the KN coefficient provided for in paragraph 9 of Appendix 2 to this Directive, its 5 times size.

This means that if the driver “collects” several increasing factors, then each of them will be taken into account in full.

For example, previously the maximum cost of OSAGO for category B in Moscow (limited to 5 times the amount) was 41,180 rubles.

Taking into account the abolition of the upper limit, the maximum cost of a category B policy in Moscow is 108,681 rubles.

When will the new tariffs take effect?

Let me remind you once again that the regulatory document discussed in this article was officially published on December 29, 2021. Its start date is January 9, 2021 .

The only exception is the use of KBM. Until April 1, 2019, the KBM will be calculated according to the old rules, and only starting from April 1, the KBM will be calculated for the year.

If you wish, you can independently study the full text of the regulatory document discussed today:

If you have any additions regarding the new MTPL tariffs, write them in the comments to the article.

OSAGO reform from 2021 - what does the Central Bank offer?

The new document developed by the central bank proposes the following innovations for compulsory motor liability insurance:

• Reforming the bonus-malus ratio (BMR). Now it will be calculated for a year. Now it is calculated on the end date of the pole. If a driver had several KBM values ​​in the RSS database, then with the entry of new rules, each driver will be selected one smallest KBM.
• Assigning an insurance history to each driver. Even after the insurance history is interrupted, the driver’s data will not be reset.
• Expansion of the tariff range of base rates . The lower and upper limits will change by 20%. Now the minimum bet will be 2,746 rubles, and the maximum will be 4,942 rubles.
• 50 gradation levels will be introduced to calculate the insurance rate coefficient depending on the age and experience of the driver. Now there are only 4 of them.

Presumably, the document should come into force on January 1, 2021 .

And so, more about compulsory motor liability insurance and the base rate...

Every little detail concerning the “motor citizen” is quite strictly controlled and monitored by government agencies. The basis for calculating compulsory motor liability insurance is the base rate, otherwise called the tariff.

They are not set out of the blue: each tariff has a legislative level, so reducing/increasing prices is impossible for individual organizations. However, the cost of final insurance depends on certain indicators.

Current rates in 2021 for individuals

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.

Only twice during its entire existence has the rate for compulsory motor liability insurance changed - in 2014 and in 2021.

In 2014, the base was considered to be 1980 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.

The main increase in the bet amount was in 2021. The basic tariff was increased and ranged from 3,432 rubles to 4,118 rubles . The difference compared to previous years is quite significant, but it appeared for a reason: the corridor of payments for insurance claims has also increased significantly.

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.

General provisions

The OSAGO policy is a document, the presence of which is mandatory for every car that has been registered in the Russian Federation. The cost of insurance services is calculated individually and depends on many parameters, including a territorial coefficient. For convenience, the coefficients by region are summarized in a special table. It is necessary to take CT into account, because it can reduce or increase the cost of purchasing an MTPL policy.

The size of the territorial coefficient is determined for each region of vehicle registration . When calculating it, road congestion in a particular city is taken into account. For small cities, CT has a smaller parameter, but for megacities it increases significantly. This is explained by the fact that the total number of registered cars in remote cities is less than in metropolitan areas.

The next indicator that is taken into account in the calculation is the accident rate. If a lot of accidents are recorded in a region, this leads to an increase in the transport coefficient and an increase in the cost of the insurance policy.

When determining the CT, the place of registration of the vehicle owner indicated in the passport is taken into account. For example, if a car was registered in St. Petersburg, and the owner is registered in Perm, the coefficient will be taken only for the place of registration of the driver, that is, Perm.

In the case of legal entities (companies) or individual entrepreneurs, the situation is different. For such insurers, the territorial coefficient is applied for the region where the organization is registered. So, if a company is registered in Moscow, and the car is used in another city, the CT is taken specifically for the capital.

Current rates in 2021

Table of current rates of the MTPL base for 2018

Basic MTPL tariffs 2021

It is important to know the changes that affect motor vehicle citizenship for individuals.
After all, not every car owner has an idea about changes in base rates. For those who are familiar with such changes, the increase in the price of an insurance policy in the new year will not be news.

Changes were made to the basic rates of motor vehicle citizenship twice: in 2014 and 2017. And this is for the entire existence of the program.

So, until 2014. for individuals, the base rate indicator was 1980 rubles. Moreover, due to the use of various coefficients (for example, regional, etc.), the final price of the MTPL policy was much more than this amount.

The most significant factor in determining the final cost of a vehicle license is the accident rate of driving (for a specific region). For reference: this figure is highest in Moscow, and lowest in Volgograd.

So it turns out that the MTPL agreement will cost car owners more in those regions where the regional coefficient is the highest.

Since October 2014 the value of the base tariff corridor was increased and amounted to 2440-2574 rubles.

It should be noted that the overwhelming majority of insurance companies chose the maximum value of the legally established corridor as the base tariff, which led to an increase in the cost of policies (nationwide by an average of 30%).

Another significant increase in the rate for individuals was carried out in 2021. So the base tariff for calculating the cost of compulsory motor liability insurance from this moment began to be accepted in the range of 3432-4118 rubles. However, such an increase in the price of a motor vehicle contract had quite compelling reasons.

Considering that the maximum limit on payments due to the occurrence of an insured event was increased from 120,000 to 400,000 rubles, then the innovations seem completely justified.

The main difference between the base rate for legal entities and the same value for individuals is the lower price. For 2017, this figure is in the range of 2573-3087 rubles. It is in this cost corridor that the price of the MTPL policy for each vehicle is calculated.

Below is a table containing information regarding tariffs for legal entities.

In the context of insurance relations, trucks are assigned to a specific category, and, as a result, to a hazard class. After all, by means of trucks it is possible to transport various dangerous goods (for example, chemical or explosive substances, as well as large and heavy objects, etc.).

This automatically causes an additional increase in the hazard class for already dangerous vehicles. It is quite natural that for such vehicles, in the basic plan, the tariffs for their insurance will be completely different from those for passenger cars.

Thus, for transport classified as “C” and “CE”, which has an acceptable cargo transportation rate of no more than 16 tons, the new tariffs provide for a range of 5284-6341 rubles. For reference: until April 12, 2017. this tariff was in the range of 2495-2632 rubles.

In the table above, you may have noticed that for motorcycles the base coefficients have also been changed. The only difference is the size of the indicators from the tariff range.

Here for transport that belongs to categories “A” and “M” (as well as their subcategories), starting from 04/12/2017. the rate when concluding a car title agreement will be determined based on the size of the corridor 867-1579 rubles.

To clarify, we list the types of vehicles that are subject to this tariff:

• Motorcycles (sports, standard and heavy);
• Light and heavy ATVs;
• Scooter;
• Mopeds (even homemade ones);
• Motor scooters, etc.

It should be noted that before the latest changes (04/12/2017) to the legislation on compulsory motor liability insurance, tariffs for lightweight vehicles were in the range of 1497-1579 rubles.

Please note that in this case we see a significant reduction in price, which means that not all car owners will pay more for a new policy after the innovations in the MTPL legislation come into force.

Below is a table by which any vehicle owner can determine the basic tariff for 2021.

It is important to know that tariffs always depend on the type of specific vehicle and are mandatory for absolutely all Russian regions. You can correctly determine the category using the vehicle's technical passport/registration certificate (issued when registering a car with the traffic police).

Please note that if any discrepancy between type and category is detected, then you need to focus on the category.

In addition, using our calculator, determine the exact price of a car insurance policy. Please note that this calculator already contains all of the most recent base rate changes.

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.

The only thing it depends on is the type of vehicle.

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.

Only twice during its entire existence has the rate for compulsory motor liability insurance changed - in 2014 and in 2021.

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.

The main increase in the bet amount was in 2021. The basic tariff was increased and ranged from 3,432 rubles to 4,118 rubles. The difference compared to previous years is quite significant, but it appeared for a reason: the corridor of payments for insurance claims has also increased significantly.

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 2018

MORE DETAILS: Application form for issuing an MTPL policy

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).

Important: Each city has its own individual indicator. The indicators are updated annually, and are based on the number of accidents that occurred in this city.

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.

The simplest and fastest way to calculate the cost of an MTPL policy is to use the online calculator on our website. The calculator automatically substitutes the current values ​​of correction factors and base rates of the most popular insurance companies. The calculations use the formulas described below with abbreviations, the explanation of which is given above.

Insurance calculation for citizens of the Russian Federation

insurance lawyer and solve your problem!

This coefficient, depending on the number of insured events (regardless of the amount), ranges from 0.5 in the case of ten years of accident-free driving to 2.45. When applying this table, you should take into account that when you first contact the insurance company and there is no information about payments, the calculation starts from the third class (i.e., the coefficient is 1).

In case of accident-free driving for 1 year, next year the coefficient will be 0.95, and in case of an accident - 1.55, and if two accidents occur during the year - 2.45.

Dependence of the bet size on the region

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).

Current regional rates for 2021 in the table:

Important: Each city has its own individual indicator. The indicators are updated annually, and are based on the number of accidents that occurred in this city.

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.

Territorial coefficient

The coefficient for the territory is established in each region separately and is regulated at the legislative level. It may depend on the number of registered residents, road accidents and other factors. In general, this parameter ranges from 0.6 to 2. The lowest regions in terms of territorial coefficient are considered to be the regional centers of Buryatia, Altai, Krasnoyarsk and Primorsky territories. The highest coefficients are awarded to passenger cars in cities such as Murmansk, Nizhny Novgorod, Chelyabinsk, Moscow and Tyumen.

The influence of the driver’s age and experience on the outcome

This coefficient directly depends on the age of the driver himself and his driving experience. The minimum premium will be for an insurance holder who is over 22 years of age and has at least 36 months of driving experience. Drivers under 22 years of age, with zero driving experience (after driving school), will pay the maximum.

It is important to understand that if several drivers have the right to get behind the wheel, then the maximum coefficient is taken, and for an unlimited number of people who can use the car it is equal to 1.

How will vehicle capacity affect the base rate of compulsory motor liability insurance?

This figure increases depending on the power of the car. The minimum threshold is 0.6, the maximum is 1.6 points.

Calculation of the total amount step by step

All official data for calculations can be easily found in the public domain. Based on individual coefficients, you can independently calculate the approximate amount to pay for compulsory motor liability insurance. The proposed tables contain the most current figures.

Watch an interesting video about calculating compulsory motor liability insurance below:

Here is an example of such a calculation:

• Let’s assume that driver S. is 30 years old, of which he has been driving for 4 years, and has registered his vehicle in the Republic of Tatarstan, for example, in Kazan. We know that the coefficient in this case is 2.
• The owner's car is a Lada Kalina, engine power is 90 hp. The coefficient in this case is 1.1
• The driver did not limit the driving range, and therefore a coefficient of 1.8 is added.
• S.’s age as a driver – 1 more point.
• The last insurance ended with 6 classes, there were no major accidents or serious violations. Accordingly, this policy will have a 7th class, which means an increase of 0.8 points.
• If the driver decided to terminate the previous contract with the organization ahead of schedule, then his class would not increase if he purchased new insurance.

We have already found out that most insurance companies use the base at the maximum, therefore, we take 4,118 rubles as the base . We multiply the base by all coefficients, we get 13,045 rubles .

If the insurance organization had met halfway to a driver who had not been involved in serious accidents during the entire period of his driving experience, providing a base of 3,432 rubles, then the total amount would have been 10,872 rubles. The difference is noticeable - 2,173 rubles.

There is another coefficient that insurance organizations have the right to apply for those who are trying to save on insurance by providing false information about themselves and their vehicle or in the past tried to falsify an accident to receive insurance money - 1.5.

Calculation formula

All official data for calculations can be easily found in the public domain. Based on individual coefficients, you can independently calculate the approximate amount to pay for compulsory motor liability insurance. The proposed tables contain the most current figures.

Here is an example of such a calculation:

• Let’s assume that driver S. is 30 years old, of which he has been driving for 4 years, and has registered his vehicle in the Republic of Tatarstan, for example, in Kazan. We know that the coefficient in this case is 2
• The owner's car is a Lada Kalina, engine power is 90 liters. The coefficient in this case is 1.1
• The driver did not limit the driving range, and therefore a coefficient of 1.8 is added
• S.’s age as a driver – 1 more point
• The last insurance ended with 6 classes, there were no major accidents or serious violations. Accordingly, this policy will have class 7, which means an increase of 0.8 points
• If the driver decided to terminate the previous contract with the organization ahead of schedule, then his class would not increase if he purchased new insurance.

We have already found out that most insurance companies use the base at the maximum, therefore, we take 4,118 rubles as the base. We multiply the base by all coefficients, we get 13,045 rubles.

Let's consider what factors are highlighted when calculating the cost of an MTPL policy.

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They are the same for all insurance companies, so every vehicle owner should know them.

1 Factor – age and experience of the driver

Any driver can get an insurance policy - no matter how old he is.

However, driving experience significantly affects the indicator, which increases the cost of the document.

Experts assure that this increasing coefficient is fair, because young and inexperienced motorists, as a rule, have the most traffic accidents.

2 Factor – vehicle type

Tariff rates are lower for motorcycles or ATVs, but the highest are for cars, especially those used in taxi services, for transporting passengers, or for transporting cargo.

3 Factor - engine power

It is proposed to introduce several increasing coefficients, depending on the amount of horsepower.

4 Factor – number of accidents and traffic violations

Drivers who fully comply with traffic rules and have no accidents can count on receiving bonuses. Such Russians will be able to receive a 5% discount for each excellent year.

The total discount can reach 50% - this is for 10 years of good driving.

5 Factor – term of insurance registration

Insurance can be purchased for a minimum period of 3 months.

But it is more economical and profitable to take out a policy for 10 months or more at once, because this way you will not overpay for the renewal of documents.

In general, the above can be combined into a table.

www.autoins.ru/ru/osago/calculatorkalkuljator-osago.ru/calculator-osago-2018.html

Checking on the official RSA website is extremely simple. You need to go to the website, find the “Check Policy” button, and then indicate the numerical name. This database is subject to regular updating, so the policy may not be there, due to the fact that its term has already expired and is considered invalid.

Oddly enough, there are not so many points on this issue. Let's see what it depends on:

• vehicle category;
• who is the official owner of the vehicle (individual or legal entity);
• the city in which the car was registered;
• length of service and age of the car owner;
• vehicle power;
• how long the driver officially owns the car;
• whether there have been cases of insurance compensation previously.

The cost of an MTPL policy in 2021 depends on two values ​​- the base rate and adjustment factors. The final sum is always equal to the product of these numbers.

Basic tariff rate [Tb]

The base rate is set by insurance companies for different types of vehicles separately within the tariff corridor of the Central Bank of the Russian Federation. Thus, this indicator depends on the company’s pricing policy, the category of the vehicle and the place of its operation.

The OSAGO online calculator on our website uses current information on the base rates of all insurers, so you can always check the current prices offered by companies for you.

Correction factors

​To save personal time, you should use special programs - online calculators, which many insurance companies install on their websites. To get an accurate parameter, it is recommended to perform and compare calculations at multiple sites.

Depending on the resource, the structure of the calculator may change, but most often the car owner is required to enter the following information:

• Place of residence.
• Vehicle category - passenger car, motorcycle, trucks, etc.
• Information on internal combustion engine power. The parameters are set taking into account the ranges mentioned above.
• Vehicle use time. If the car owner plans to use the car throughout the year, indicate 10 months or more.
• There are restrictions on the number of drivers - you need to check the box whether there is a limit or not.
• Age, length of service and bonus-malus class.

Once all the parameters have been entered, all that remains is to click on the calculation button. The system displays the cost of the MTPL policy for the specified parameters.

To make sure the calculations are correct, you should use 2-3 calculators. After the calculation, you can safely go to the insurance company to conclude a contract and not be afraid of deception on its part.

You will have an approximate parameter before your eyes, so if there is a sharp discrepancy in the result, you can demand an explanation or go looking for a new insurer.

OSAGO calculator is a service that allows you to calculate the cost of an OSAGO insurance policy online. The calculator is based on the instructions of the Bank of Russia “On the maximum amounts of base rates of insurance tariffs and coefficients of insurance tariffs, requirements for the structure of insurance tariffs, as well as the procedure for their application by insurers when determining the insurance premium for compulsory civil liability insurance of vehicle owners.”

If you wish, you can independently refer to the text of this regulatory document and calculate the cost of compulsory motor liability insurance manually. The latest changes to this document came into force on April 12, 2015. The calculator calculates compulsory motor liability insurance according to new tariffs.

The cost of compulsory motor liability insurance is calculated using special formulas and depends on several factors. The final price of the policy is not fixed and depends on the insurance company you choose. However, it should not go beyond the limits calculated in the calculator.

If you are offered to buy a policy, the price of which exceeds the maximum value from this page, then we are most likely talking about the imposition of additional services.

1. “Registered” - this item can take four values:

• In Russia this is a standard situation, used in 95% of cases.
• In a foreign country - this item must be selected when insuring a foreign car that is temporarily entering the country from abroad.
• Go to the place of inspection or registration - this item must be selected if the car does not have a valid diagnostic technical inspection card (it is necessary to purchase an MTPL policy). In this case, you can purchase a temporary policy that is valid for 20 days. During this time, you will be able to undergo a technical inspection and buy a policy for a year.

2. “Category” - this item contains a list of vehicle categories. You can always check the category in the vehicle passport or vehicle registration certificate.

3. “With a trailer” - check the box if the vehicle will be operated with a trailer, semi-trailer or trailer. A separate MTPL policy for trailers is currently not required.

Category B passenger cars owned by individuals may in any case be driven with a trailer. This does not lead to an increase in the cost of compulsory motor insurance.

4. “Power (hp)” - vehicle engine power. It is only necessary when calculating the cost of compulsory motor insurance for cars of category B. Engine power can be found in the vehicle passport or registration certificate.

5. “Owner” is the individual or legal entity who owns the vehicle. The owner is indicated in the vehicle passport and registration certificate.

6. “Region” - the region in which the owner of the vehicle (individual or legal entity) is registered. The place of registration is indicated in the vehicle passport and registration certificate. For an individual, this is the place of registration, which is indicated in the passport of a citizen of the Russian Federation. For a legal entity, this is the legal address.

Please note that the region where the owner is registered may not coincide with the region indicated on the license plates. This is due to the fact that vehicle registration is currently possible in any region.

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Moreover, the cost of compulsory motor liability insurance depends only on the region where the owner of the car is registered. The location of the production does not affect the cost.

7. “Settlement” - the locality in which the vehicle is registered. The field is filled in according to the vehicle passport or registration certificate.

14. The cost of the MTPL policy is calculated based on the data you entered. As a result, you get two numbers: the minimum value and the maximum value.

If you are offered to buy a compulsory motor liability insurance policy, the cost of which does not fall within the selected limits, then we are most likely talking about fraud. Either they offer you a fake policy (if the price is low), or they “unnoticeably” impose additional services on you.

In any case, the 2021 OSAGO calculator will allow you to notice something is wrong in time and go to another insurance company.

This code can be installed on any html page. The recommended width for installing the module is 640 pixels. After installation, a full-fledged MTPL calculator will appear on your website, allowing you to calculate the cost of an insurance policy and including a detailed table of coefficients.

Good luck on the roads!

The absence of a mandatory policy prohibits movement by car, imposing administrative liability and a fine. In addition, when driving on the road without a vehicle license, the driver risks being left without insurance compensation in the event of an accident.

An analysis of the situation in the car insurance market will allow you to find acceptable savings options based on information about how the price is calculated. And using an insurance calculator will help determine the price level of each insurer. The rules for calculating the price of the policy were given in 2015 in Central Bank Instructions No. 604, and are the same for all vehicle owners.