OSAGO tariffs from January 9, 2021: new table and coefficients

How much does OSAGO cost in 2018?

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

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

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

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

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

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

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

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

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.

Increasing the basic MTPL tariff

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

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

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

Formula for self-calculation of compulsory motor liability insurance

To calculate your MTPL policy yourself, you need to strictly follow the established formula and procedure for using the coefficients. It looks like this:

Cost of OSAGO=BT×KBM×KVS×KN×KT×KO×KM×KSS

In this formula, BT is the base tariff, which is selected from the range established by the Central Bank of the Russian Federation for each category of vehicles. The indicator is also affected by the tonnage of trucks and the number of passenger seats in cars and buses. Let's look at the features of the current base rate and odds.

Region of residence coefficient

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

Show odds table

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

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

For whom is it mandatory?

According to the resolution of the Central Bank of Russia No. 432-P, the mandatory use of a standardized procedure for assessing transport damage is mandatory for:

Insurers and specialists who work on the staff of these companies.
Citizens representing the interests of insurers during the inspection of a damaged vehicle.
Certified expert organizations offering services for calculating the cost of restoring a car after an accident.
Automotive experts who are full-time employees of technical expertise under the judiciary.

It is necessary to understand that in order to comply with all the standards established by the Central Bank of the Russian Federation for compliance with the vehicle damage assessment procedure, strict compliance of the technical expert with a number of established standards is required:

At least 1 year of professional experience in the field of expertise.
Higher technical education.
Completion of advanced training courses as a technical expert in the field of motor transport.
Completion of additional advanced training courses to update existing knowledge at least once every 60 months.

Only persons who meet the above requirements can take the exam to accredit them as experts capable of assessing damage caused to a car as a result of a road traffic accident using an approved unified methodology (more details on how the amount of payments under compulsory motor liability insurance in case of an accident is calculated, and You can find out how to do this yourself using an online calculator here).

KBM

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

Was:

Became:

Calculate the cost of your MTPL policy

Bonus-malus coefficient

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Each driver who uses the services of an insurance company has a certain “class”. At the moment, there are 15 classes, which can either increase or decrease the cost of insurance. How to calculate KMB OSAGO? To make the calculation, you need to know only two factors: driving experience and the number of insurance payments that were previously made. For example, for a novice driver who has just started driving, the BMP will be 2.45. If the policy owner has 5 years of experience and has not been involved in any accidents, then the coefficient will drop to 0.9. Thus, the more carefully you drive, the more profitable it is for you to buy an MTPL policy. However, if you suspend your MTPL policy for 1 year or more, then all coefficients will be reset to zero. If you don’t know how KBM OSAGO is calculated, then you can check its size on the website of the Russian Union of Motor Insurers.

Increasing the cost of an unlimited OSAGO policy

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

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

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

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.

№	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

Increasing the age and experience coefficient

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

Was:

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

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

Something else useful for you:

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

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.

Period of use factor

Drivers who use their car for several months a year can buy a policy for this period. The contract can be concluded for a period of three months, which is beneficial for inexperienced drivers who do not go on the roads in winter. The shorter the policy period, the lower the coefficient:

Policy duration in months	k
3	0,5
4	0,6
5	0,65
6	0,7
7	0,8
8	0,9
9	0,95
10 or more	1

For legal entities, a “short” insurance policy can also be useful: for example, for insuring seasonal special equipment, which includes harvesting and agricultural transport.