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New MTPL tariffs in 2021 – increase in insurance prices in the tables

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.

Increase in the price of compulsory motor third party liability insurance in 2018-2019

Read also:  OSAGO reform: What changes will there be in insurance rates according to the Directive of the Central Bank in 2021?

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!

You will also be interested in:

  • OSAGO 2021 – what’s new and what changes?
  • How much more expensive will OSAGO insurance be after an accident?
  • What changes are being made to compulsory motor liability insurance from April 1, 2021? Will insurance become more expensive?

OSAGO territory coefficient table 2021

Below is a detailed table of coefficients for the MTPL territory in 2021. With its help, you can clarify how the cost of the policy depends on the region in which the vehicle is operated. Please note: for car owners who are individuals, the territorial coefficient is indicated depending on the place of registration of the owner.

№Territory of primary use of vehiclesCoefficient for vehicles, excluding tractors, self-propelled road construction and other machinesCoefficient for tractors, self-propelled road-building and other machines, with the exception of vehicles that do not have wheel propulsors
1Republic of Adygea1,31
2Altai Republic0,70,5
3.1Gorno-Altaisk1,30,8
3Altai region0,70,5
4.1Barnaul1,71
4.2Biysk1,20,8
4.3Zarinsk1,10,8
4.4Rubtsovsk1,10,8
4.5Novoaltaysk1,10,8
4Amur region10,6
5.1Free1,10,9
5.2Belogorsk1,10,9
5Arhangelsk region0,850,5
6.1Kotlas1,61
6.2Arkhangelsk1,81
6.3Severodvinsk1,71
6Astrakhan region0,80,5
7.1Astrakhan1,41
7Republic of Bashkortostan10,8
8.1Kumertau1,10,8
8.2Blagoveshchensk1,60,9
8.3October1,20,8
8.4Salavat1,10,8
8.5Sterlitamak1,30,8
8.6Ishimbay1,10,8
8.7Tuymazy1,30,8
8.8Ufa1,81
8Belgorod region0,80,5
9.1Belgorod1,30,8
9.2Gubkin10,8
9.3Stary Oskol10,8
9Bryansk region0,70,5
10.1Klintsy10,8
10.2Bryansk1,51
10The Republic of Buryatia0,60,5
11.1Ulan-Ude1,30,8
11Vladimir region10,8
12.1Vladimir1,61
12.2Gus-Khrustalny1,10,8
12.3Moore1,20,8
12Volgograd region0,70,5
13.1Volgograd1,30,8
13.2Volzhsky1,10,8
13.3Kamyshin10,8
13.4Mikhailovka10,8
13Vologda Region0,90,5
14.1Vologda1,71
14.2Cherepovets1,81
14Voronezh region0,80,6
15.1Borisoglebsk1,10,9
15.2Rossosh1,10,9
15.3Voronezh1,51,1
15.4Liski1,10,9
15The Republic of Dagestan0,60,5
16.1Buynaksk0,70,5
16.2Derbent0,70,5
16.3Kaspiysk0,70,5
16.4Makhachkala0,70,5
16.5Khasavyurt0,70,5
16Jewish Autonomous Region0,60,5
17Transbaikal region0,60,5
18.1Chita0,70,5
18Ivanovo region0,90,5
19.1Kineshma1,10,8
19.2Shuya10,8
19.3Ivanovo1,81
19The Republic of Ingushetia0,60,5
20.1Malgobek0,80,5
20Irkutsk region0,80,5
21.1Cheremkhovo10,8
21.2Shelekhov1,30,8
21.3Angarsk1,20,8
21.4Bratsk10,8
21.5Irkutsk1,71
21.6Tulun10,8
21.7Usolye-Sibirskoye1,10,8
21.8Ust-Ilimsk10,8
21.9Ust-Kut10,8
21Republic of Kabardino-Balkaria0,70,5
22.1Chill10,8
22.2Nalchik10,8
22Kaliningrad region0,90,5
23.1Kaliningrad1,10,8
23Republic of Kalmykia0,60,5
24.1Elista1,30,8
24Kaluga region0,90,5
25.1Kaluga1,20,8
25.2Kirov1,41
25.3Obninsk1,30,8
25Kamchatka Krai10,6
26.1Petropavlovsk-Kamchatsky1,31
26Republic of Karachay-Cherkessia10,8
27Republic of Karelia0,80,5
28.1Petrozavodsk1,30,8
28Kemerovo region1,10,8
29.1Osinniki1,30,8
29.2Kiselevsk1,20,8
29.3Yurga1,20,8
29.4Kemerovo1,91
29.5Mezhdurechensk1,30,8
29.6Novokuznetsk1,81
29.7Prokopyevsk1,30,8
29.8Anzhero-Sudzhensk1,20,8
29.9Belovo1,30,8
29.10Berezovsky1,30,8
29Kirov region0,80,5
30.1Kirovo-Chepetsk1,20,8
30Komi Republic10,8
31.1Syktyvkar1,61
31.2Ukhta1,30,8
31Kostroma region0,70,5
32.1Kostroma1,30,8
32Krasnodar region10,8
33.1Kropotkin1,10,8
33.2Krymsk1,10,8
33.3Armavir1,20,8
33.4Kurganinsk1,10,8
33.5Gelendzhik1,30,8
33.6Labinsk1,10,8
33.7Slavyansk-on-Kuban1,10,8
33.8Krasnodar1,81
33.9Yeysk1,10,8
33.10Novorossiysk1,81
33.11Anapa1,30,8
33.12Timashevsk1,10,8
33.13Sochi1,20,8
33.14Tikhoretsk1,10,8
33.15Tuapse1,20,8
33.16Belorechensk1,10,8
33Krasnoyarsk region0,90,5
34.1Achinsk1,10,8
34.2Zheleznogorsk1,30,8
34.3Lesosibirsk10,8
34.4Krasnoyarsk1,81
34.5Minusinsk10,8
34.6Norilsk1,30,8
34.7Zelenogorsk1,10,8
34.8Nazarovo10,8
34.9Kansk10,8
34Republic of Crimea0,60,6
35Kurgan region0,60,5
36.1Shadrinsk1,10,8
36.2Mound1,40,8
36Kursk region0,70,5
37.1Kursk1,20,8
37Leningrad region1,30,8
38Lipetsk region0,80,5
39.1Dace10,8
39.2Lipetsk1,51
39Magadan Region0,60,5
40.1Magadan0,70,5
40Mari El Republic0,70,5
41.1Volzhsk10,8
41.2Yoshkar-Ola1,40,8
41The Republic of Mordovia0,80,6
42.1Ruzaevka1,21
42.2Saransk1,51
42Moscow21,2
43Moscow region1,71
44Murmansk region1,21
45.1Severomorsk1,61
45.2Monchegorsk1,31
45.3Apatity1,31
45.4Murmansk2,11,2
45Nenets Autonomous Okrug0,80,5
46Nizhny Novgorod Region10,8
47.1Bor1,30,8
47.2Vyksa1,10,8
47.3Arzamas1,10,8
47.4Kstovo1,20,8
47.5Sarov1,10,8
47.6Dzerzhinsk1,30,8
47.7Nizhny Novgorod1,81
47.8Balakhna1,30,8
47Novgorod region0,90,5
48.1Borovichi10,8
48.2Velikiy Novgorod1,30,8
48Novosibirsk region0,90,5
49.1Kuibyshev10,8
49.2Berdsk1,30,8
49.3Novosibirsk1,71
49.4Iskitim1,20,8
49Omsk region0,90,5
50.1Omsk1,61
50Orenburg region0,80,5
51.1Buguruslan10,8
51.2Buzuluk10,8
51.3Orenburg1,71
51.4Orsk1,10,8
51.5Novotroitsk10,8
51Oryol Region0,70,5
52.1Livny10,8
52.2Eagle1,20,8
52.3Mtsensk10,8
52Penza region0,70,5
53.1Kuznetsk10,8
53.2Zarechny1,20,8
53.3Penza1,41
53Perm region1,10,8
54.1Chaikovsky10,8
54.2Krasnokamsk1,30,8
54.3Berezniki1,30,8
54.4Lysva10,8
54.5Solikamsk1,20,8
54.6Permian21,2
54Primorsky Krai0,70,5
55.1Artyom10,8
55.2Vladivostok1,41
55.3Nakhodka10,8
55.4Spassk-Dalniy10,8
55.5Arsenyev10,8
55.6Ussuriysk10,8
55Pskov region0,70,5
56.1Velikie Luki10,8
56.2Pskov1,20,8
56Rostov region0,80,5
57.1Bataysk1,30,8
57.2Salsk10,8
57.3Volgodonsk10,8
57.4Gukovo10,8
57.5Novocherkassk10,8
57.6Novoshakhtinsk10,8
57.7Azov1,20,8
57.8Rostov-on-Don1,81
57.9Taganrog10,8
57.10Kamensk-Shakhtinsky10,8
57.11Mines1,10,8
57Ryazan Oblast0,90,5
58.1Ryazan1,41
58Samara Region0,90,5
59.1Chapaevsk1,20,8
59.2Novokuibyshevsk1,10,8
59.3Samara1,61
59.4Sizran1,10,8
59.5Tolyatti1,51
59Saint Petersburg1,81
60Saratov region0,70,5
61.1Volsk10,8
61.2Balakovo10,8
61.3Saratov1,61
61.4Balashov10,8
61.5Engels1,20,8
61Sakhalin region0,90,5
62.1Yuzhno-Sakhalinsk1,51
62Sverdlovsk region10,8
63.1Upper Pyshma1,30,8
63.2Polevskoy1,20,8
63.3Verkhnyaya Salda1,20,8
63.4Revda1,10,8
63.5Ekaterinburg1,81
63.6Mikhailovsk1,20,8
63.7Pervouralsk1,30,8
63.8Asbestos1,10,8
63.9Novouralsk1,30,8
63Sevastopol0,60,6
64Republic of North Ossetia-Alania0,80,5
65.1Vladikavkaz10,8
65Smolensk region0,70,5
66.1Vyazma10,8
66.2Roslavl10,8
66.3Yartsevo10,8
66.4Safonovo10,8
66.5Smolensk1,20,8
66Stavropol region0,70,5
67.1Budennovsk10,8
67.2Georgievsk10,8
67.3Essentuki10,8
67.4Kislovodsk1,20,8
67.5Nevinnomyssk10,8
67.6Mineral water10,8
67.7Pyatigorsk10,8
67.8Stavropol1,20,8
67Tambov Region0,80,5
68.1Michurinsk10,8
68.2Tambov1,20,8
68Republic of Tatarstan1,10,8
69.1Bugulma10,8
69.2Chistopol10,8
69.3Almetyevsk1,30,8
69.4Leninogorsk10,8
69.5Naberezhnye Chelny1,71
69.6Elabuga1,20,8
69.7Nizhnekamsk1,30,8
69.8Zelenodolsk1,30,8
69.9Kazan21,2
69Tver region0,80,5
70.1Vyshny Volochyok10,8
70.2Rzhev10,8
70.3Tver1,51
70.4Kimry10,8
70Tomsk region0,90,5
71.1Seversk1,20,8
71.2Tomsk1,61
71Tula region0,90,5
72.1Shchyokino1,20,8
72.2Efremov10,8
72.3Novomoskovsk10,8
72.4Aleksin10,8
72.5Tula1,51
72.6Nodal1,20,8
72Tyva Republic0,60,5
73Tyumen region1,10,8
74.1Tobolsk1,30,8
74.2Tyumen21,2
74Republic of Udmurtia0,80,5
75.1Votkinsk1,10,8
75.2Glazov10,8
75.3Sarapul10,8
75.4Izhevsk1,61
75Ulyanovsk region0,90,6
76.1Dimitrovgrad1,20,9
76.2Ulyanovsk1,51,1
76Khabarovsk region0,80,5
77.1Komsomolsk-on-Amur1,30,8
77.2Amursk10,8
77.3Khabarovsk1,71
77The Republic of Khakassia0,60,5
78.1Chernogorsk10,8
78.2Abakan10,8
78.3Sayanogorsk10,8
78Khanty-Mansi Autonomous Okrug - Yugra1,10,8
79.1Khanty-Mansiysk1,51
79.2Kogalym10,8
79.3Nefteyugansk1,30,8
79.4Nizhnevartovsk1,81
79.5Nyagan1,30,8
79.6Surgut21,2
79Chelyabinsk region10,8
80.1Chebarkul1,20,8
80.2Satka1,20,8
80.3Zlatoust1,40,8
80.4Kopeisk1,61
80.5Magnitogorsk1,81
80.6Miass1,40,8
80.7Chelyabinsk2,11,3
80Republic of Chechnya0,60,5
81Chuvash Republic0,80,5
82.1Novocheboksarsk1,20,8
82.2Cheboksary1,71
82.3Kanash1,10,8
82Chukotka Autonomous Okrug0,60,5
83Republic of Yakutia0,60,5
84.1Neryungri0,80,5
84.2Yakutsk1,20,7
84Yamalo-Nenets Autonomous Okrug1,10,8
85.1New Urengoy10,8
85.2Noyabrsk1,71
85Yaroslavl region0,90,5
86.1Yaroslavl1,51

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 categoryWasIt became
Motorcycles and scooters (A and M)867-1579694-1407
Passenger cars (B and BE) of individuals3432-41182746-4942
Passenger cars (B and BE) of legal entities2573-30872058-2911
Passenger cars (B and BE) taxis5138-61664110-7399
Trucks (C and CE) with a permissible weight of 16 tons3509-42112807-5053
Trucks (C and CE) with a permissible weight of more than 16 tons5284-63414227-7609

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.

What else is important to know about OSAGO?

As already mentioned, over the past few years, OSAGO has become significantly more expensive due to the rise in the base rate. But it is worth noting that the maximum amount of insurance payment under compulsory motor liability insurance has also increased. If previously only 120 thousand rubles were paid to property when calculating damage and 160 thousand rubles for compensation for damage to life and health, then from 2021 you can receive 400 and 500 thousand rubles, respectively.

The Central Bank also obliged insurance companies to place on their websites online compulsory motor vehicle liability insurance cost calculators, which will allow any citizen to find out the specific price of an insurance policy without leaving home.

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 useCoefficient
Republic of Adygea1,3
Altai Republic
Gorno-Altaisk1,3
Other cities and towns0,7
Republic of Bashkortostan
Blagoveshchensk, Oktyabrsky1,2
Ishimbay, Kumertau, Salavat1,1
Sterlitamak, Tuymazy1,3
Ufa1,8
Other cities and towns1
The Republic of Buryatia
Ulan-Ude1,3
Other cities and towns0,6
The Republic of Dagestan
Buynaksk, Derbent, Kaspiysk, Makhachkala, Khasavyurt0,7
Other cities and towns0,6
The Republic of Ingushetia
Malgobek0,8
Nazran0,6
Other cities and towns0,6
Kabardino-Balkarian Republic
Nalchik, Prokhladny1
Other cities and towns0,7
Republic of Kalmykia
Elista1,3
Other cities and towns0,6
Karachay-Cherkess Republic1
Republic of Karelia
Petrozavodsk1,3
Other cities and towns0,8
Komi Republic
Syktyvkar1,6
Ukhta1,3
Other cities and towns1
Republic of Crimea
Simferopol0,6
Other cities and towns0,6
Mari El Republic
Volzhsk1
Yoshkar-Ola1,4
Other cities and towns0,7
The Republic of Mordovia
Ruzaevka1,2
Saransk1,5
Other cities and towns0,8
The Republic of Sakha (Yakutia)
Neryungri0,8
Yakutsk1,2
Other cities and towns0,6
Republic of North Ossetia-Alania
Vladikavkaz1
Other cities and towns0,8
Republic of Tatarstan
Almetyevsk, Zelenodolsk, Nizhnekamsk1,3
Bugulma, Leninogorsk, Chistopol1
Elabuga1,2
Kazan2
Naberezhnye Chelny1,7
Other cities and towns1,1
Tyva Republic
Kyzyl0,6
Other cities and towns0,6
Udmurt republic
Votkinsk1,1
Glazov, Sarapul1
Izhevsk1,6
Other cities and towns0,8
The Republic of Khakassia
Abakan, Sayanogorsk, Chernogorsk1
Other cities and towns0,6
Chechen Republic0,6
Chuvash Republic
Kanash1,1
Novocheboksarsk1,2
Cheboksary1,7
Other cities and towns0,8
Altai region
Barnaul1,7
Biysk1,2
Zarinsk, Novoaltaisk, Rubtsovsk1,1
Other cities and towns0,7
Transbaikal region
Krasnokamensk0,6
Chita0,7
Other cities and towns0,6
Kamchatka Krai
Petropavlovsk-Kamchatsky1,3
Other cities and towns1
Krasnodar region
Anapa, Gelendzhik1,3
Armavir, Sochi, Tuapse1,2
Belorechensk, Yeisk, Kropotkin, Krymsk, Kurganinsk, Labinsk, Slavyansk-on-Kubani, Timashevsk, Tikhoretsk1,1
Krasnodar, Novorossiysk1,8
Other cities and towns1
Krasnoyarsk region
Achinsk, Zelenogorsk1,1
Zheleznogorsk, Norilsk1,3
Kansk, Lesosibirsk, Minusinsk, Nazarovo1
Krasnoyarsk1,8
Other cities and towns0,9
Perm region
Berezniki, Krasnokamsk1,3
Lysva, Tchaikovsky1
Permian2
Solikamsk1,2
Other cities and towns1,1
Primorsky Krai
Arsenyev, Artem, Nakhodka, SpasskDalniy, Ussuriysk1
Vladivostok1,4
Other cities and towns0,7
Stavropol region
Budennovsk, Georgievsk, Essentuki, Mineralnye Vody, Nevinnomyssk, Pyatigorsk1
Kislovodsk, Mikhailovsk, Stavropol1,2
Other cities and towns0,7
Khabarovsk region
Amursk1
Komsomolsk-on-Amur1,3
Khabarovsk1,7
Other cities and towns0,8
Amur region
Belogorsk, Svobodny1,1
Blagoveshchensk1,6
Other cities and towns1
Arhangelsk region
Arkhangelsk1,8
Kotlas1,6
Severodvinsk1,7
Other cities and towns0,85
Astrakhan region
Astrakhan1,4
Other cities and towns0,8
Belgorod region
Belgorod1,3
Gubkin, Stary Oskol1
Other cities and towns0,8
Bryansk region
Bryansk1,5
Klintsy1
Other cities and towns0,7
Vladimir region
Vladimir1,6
Gus-Khrustalny1,1
Moore1,2
Other cities and towns1
Volgograd region
Volgograd1,3
Volzhsky1,1
Kamyshin, Mikhailovka1
Other cities and towns0,7
Vologda Region
Vologda1,7
Cherepovets1,8
Other cities and towns0,9
Voronezh region
Borisoglebsk, Liski, Rossosh1,1
Voronezh1,5
Other cities and towns0,8
Ivanovo region
Ivanovo1,8
Kineshma1,1
Shuya1
Other cities and towns0,9
Irkutsk region
Angarsk1,2
Bratsk, Tulun, Ust-Ilimsk, Ust-Kut, Cheremkhovo1
Irkutsk1,7
Usolye-Sibirskoye1,1
Shelekhov1,3
Other cities and towns0,8
Kaliningrad region
Kaliningrad1,1
Other cities and towns0,8
Kaluga region
Kaluga1,2
Obninsk1,3
Other cities and towns0,9
Kemerovo region
Anzhero-Sudzhensk, Kiselevsk, Yurga1,2
Belovo, Berezovsky, Mezhdurechensk, Osinniki, Prokopyevsk1,3
Kemerovo1,9
Novokuznetsk1,8
Other cities and towns1,1
Kirov region
Kirov1,4
Kirovo-Chepetsk1,2
Other cities and towns0,8
Kostroma region
Kostroma1,3
Other cities and towns0,7
Kurgan region
Mound1,4
Shadrinsk1,1
Other cities and towns0,6
Kursk region
Zheleznogorsk1
Kursk1,2
Other cities and towns0,7
Leningrad region1,3
Lipetsk region
Dace1
Lipetsk1,5
Other cities and towns0,8
Magadan Region
Magadan0,7
Other cities and towns0,6
Moscow region1,7
Murmansk region
Apatity, Monchegorsk1,3
Murmansk2,1
Severomorsk1,6
Other cities and towns1,2
Nizhny Novgorod Region
Arzamas, Vyksa, Sarov1,1
Balakhna, Bor, Dzerzhinsk1,3
Kstovo1,2
Nizhny Novgorod1,8
Other cities and towns1
Novgorod region
Borovichi1
Velikiy Novgorod1,3
Other cities and towns0,9
Novosibirsk region
Berdsk1,3
Iskitim1,2
Kuibyshev1
Novosibirsk1,7
Other cities and towns0,9
Omsk region
Omsk1,6
Other cities and towns0,9
Orenburg region
Buguruslan, Buzuluk, Novotroitsk1
Orenburg1,7
Orsk1,1
Other cities and towns0,8
Oryol Region
Livny, Mtsensk1
Eagle1,2
Other cities and towns0,7
Penza region
Zarechny1,2
Kuznetsk1
Penza1,4
Other cities and towns0,7
Pskov region
Velikie Luki1
Pskov1,2
Other cities and towns0,7
Rostov region
Azov1,2
Bataysk1,3
Volgodonsk, Gukovo, Kamensk-Shakhtinsky, Novocherkassk, Novoshakhtinsk, Salsk, Taganrog1
Rostov-on-Don1,8
Mines1,1
Other cities and towns0,8
Ryazan Oblast
Ryazan1,4
Other cities and towns0,9
Samara Region
Novokuybyshevsk, Syzran1,1
Samara1,6
Tolyatti1,5
Chapaevsk1,2
Other cities and towns0,9
Saratov region
Balakovo, Balashov, Volsk1
Saratov1,6
Engels1,2
Other cities and towns0,7
Sakhalin region
Yuzhno-Sakhalinsk1,5
Other cities and towns0,9
Sverdlovsk region
Asbest, Revda1,1
Berezovsky, Verkhnyaya Pyshma, Novouralsk, Pervouralsk1,3
Verkhnyaya Salda, Polevskoy1,2
Ekaterinburg1,8
Other cities and towns1
Smolensk region
Vyazma, Roslavl, Safonovo, Yartsevo1
Smolensk1,2
Other cities and towns0,7
Tambov Region
Michurinsk1
Tambov1,2
Other cities and towns0,8
Tver region
Vyshny Volochek, Kimry, Rzhev1
Tver1,5
Other cities and towns0,8
Tomsk region
Seversk1,2
Tomsk1,6
Other cities and towns0,9
Tula region
Aleksin, Efremov, Novomoskovsk1
Tula1,5
Uzlovaya, Shchekino1,2
Other cities and towns0,9
Tyumen region
Tobolsk1,3
Tyumen2
Other cities and towns1,1
Ulyanovsk region
Dimitrovgrad1,2
Ulyanovsk1,5
Other cities and towns0,9
Chelyabinsk region
Zlatoust, Miass1,4
Kopeisk1,6
Magnitogorsk1,8
Satka, Chebarkul1,2
Chelyabinsk2,1
Other cities and towns1
Yaroslavl region
Yaroslavl1,5
Other cities and towns0,9
Moscow2
Saint Petersburg1,8
Sevastopol0,6
Jewish Autonomous Region
Birobidzhan0,6
Other cities and towns0,6
Nenets Autonomous Okrug0,8
Khanty-Mansiysk Autonomous Okrug - Ugra
Kogalym1
Nefteyugansk, Nyagan1,3
Surgut2
Nizhnevartovsk1,8
Khanty-Mansiysk1,5
Other cities and towns1,1
Chukotka Autonomous Okrug0,6
Yamalo-Nenets Autonomous Okrug
New Urengoy1
Noyabrsk1,7
Other cities and towns1,1
Baikonur0,6

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.

For which traffic violations will the cost of compulsory motor liability insurance increase?

Increased insurance prices await drivers who:

  • Have had their driver's license revoked for drunk driving;
  • Violated traffic rules, resulting in harm to the life and health of another driver or passengers;
  • Refuse to undergo a medical examination;
  • Leaving the scene of an accident;
  • Have been repeatedly cited for running red lights;
  • Exceeded the speed limit by more than 60 km/h;
  • They drive into the oncoming lane.

If OSAGO is unlimited, then violations of the car owner will be taken into account.

In addition to traffic violations, the insurance company may pay attention to other circumstances:

  • Vehicle age;
  • Car mileage;
  • Having children in the car;
  • Installation of telematics devices on a car and others.

Read more: What traffic violations affect the cost of compulsory motor liability insurance in 2020

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:

Read also:  Check the MTPL policy - checking for authenticity

KBM OSAGO until 2021

Became:

KBM OSAGO from 2021

Calculate the cost of your MTPL policy

Latest amendments

The purchase of a compulsory motor liability insurance policy is controlled by law. All changes to the insurance system are also being introduced officially. The last time innovations occurred was in September.

Damage is compensated in the event of a collision of several vehicles at once. The right to receive compensation applies to all owners of an online compulsory motor liability insurance policy, regardless of the date the insurance transaction was concluded. The European protocol, which is drawn up in the absence of traffic police officers, also continues to operate. Resorting to this method of recording damage is permitted only in specific cases.

If the OSAGO policy was issued later than April 28, 2021, it is subject to natural compensation in the form of repair work.

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 policyThe coefficient wasThe coefficient has become
Limited11
Unlimited1,81,87

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

Changes in tariffs for MTPL policies

Registration of compulsory motor liability insurance for legal entities

What does having an MTPL policy provide for legal entities:

  • Uninterrupted operation of the company's fleet
  • No expenses such as paying fines for not having a compulsory motor liability insurance policy
  • In the event of an insured event, financial expenses, within the framework of the MTPL agreement, will be paid by the insurance company
  • If an organization complies with the norms of current legislation, then this raises the company’s rating, increases the company’s development potential and the number of partners willing to interact and cooperate with such an organization, and as a result, leads to an increase in the company’s profits.

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.

Read also:  Traffic rules (traffic rules) of the Russian Federation 2021.9. Location of vehicles on the roadway

Was:

Age and experience of driversCoefficient
Age up to 22 years and experience up to 3 years1,8
Age over 22 years and experience up to 3 years1,7
Age up to 22 years and experience more than 3 years1,6
Age over 22 years and experience more than 3 years1

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

OSAGO coefficient by age and length of service after changes

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

How to calculate the price of a policy in 2021 online using a calculator

So that drivers can make an informed choice and purchase only profitable compulsory motor vehicle liability insurance, calculators have been created on the Internet that calculate prices in real time. They work online according to the following simple principle:

  1. The car owner enters the requested data (indicates the type of car, registers his experience as a driver, etc.).
  2. The user waits for the calculator to perform the calculation online and sort all the options found.
  3. The motorist views all market offers in a convenient manner and makes a choice online.
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