OSAGO coefficient by region - table of territorial OSAGO coefficients in 2021

The OSAGO coefficient by region is established by law and can be adjusted by instructions or additions to the calculation rules of the Bank of Russia. The regional coefficient is included in the standard formula for calculating the cost of compulsory motor insurance. The lowest coefficient is 0.5, refers to sparsely populated and subsidized regions. Maximum regional coefficient for insurance in Moscow.

What does the regional coefficient depend on?

When forming the coefficient for compulsory motor liability insurance by region, the number and density of the population of each specific region, autonomous district, region, settlement, city is taken into account. The number of registered vehicles in a given region is taken into account. The differences that are formed on the basis of general statistics can be significant. Due to different concentrations of population and vehicles, the insurance ratio in cities is always higher than in the region. For example, if in Moscow the regional coefficient is 2, then in the Moscow region it is 1.7.

An important factor in assigning the appropriate coefficient is the accident rate. The more accidents in a region, the higher the regional MTPL coefficient. This is due to the risks of the insurance company. The higher the risks, the higher the insurance price.

Periodically, the coefficients are adjusted by the Bank of Russia; changes are made centrally to the rules for calculating the coefficient by region, which are mandatory for all insurance companies. The last adjustment was made in 2015 due to an increase in the maximum insurance payment.

How is the price of an MTPL policy calculated?

When calculating the cost of a compulsory insurance policy, a number of laws are taken into account:

Law on compulsory motor liability insurance. It examines the main rules of calculation, and also establishes standards for the use of certain indicators.
Directive from the Central Bank of the Russian Federation. Here are the basic rates that are used to perform calculations, as well as the coefficients used in relation to a specific car owner.

Having the necessary set of parameters at hand, you can begin to perform calculations to calculate the price of compulsory motor insurance. The formula itself looks like this:

P = TB x CT x KO x KM x KBM x KVS x KS x KN x KP.

The following parameters apply here:

P is the price that the driver must pay for compulsory motor liability insurance.
TB is the main tariff established by the Central Bank of the Russian Federation. It has a certain “corridor”, within the boundaries of which insurers can change their offer. Due to the intense competition in the market, insurers tend to apply favorable rates.
CT is the indicator that is the main focus of the article. Its size depends on the place where the owner of the car is registered. This indicator is established at the legislative level and may change.
KBM is a special “bonus-malus” parameter. It depends on how many times the car owner applied for payment of compulsory motor liability insurance in the past. The KBM value is easy to calculate using a formula and tabular information.
KVS is an indicator that reflects the relationship between key characteristics - the age of the owner and driving experience. This parameter is fixed by law and is reflected in tabular form.
KO is a coefficient, the value of which depends on the number of drivers who have access to driving a car. To determine QR, you can use a special table.
KM is an element of the mentioned formula, depending on the power of the insured vehicle. We are talking about cars belonging to categories B and BE (data on this indicator can also be obtained from the table).
KS - shows the time when the machine is in operation. This coefficient is tried on during the calculation process if the car owner uses the car for a certain period, and not the entire calendar year. For example, a person can drive a vehicle only in summer, spring and autumn, but not in winter.
KN - reflects the fact of violation on the part of the car owner of the insurance conditions specified in the MTPL agreement. If there are no deviations from the terms of the agreement, the CN is set to 1. If there are any, the parameter increases to 1.5. This means that the cost of the policy increases by 50%. Violations include providing deliberately false indicators, transferring control of the vehicle to people who are not included in the policy, leaving the scene of an accident, and so on.
CP is a parameter that depends on the period for which the contract is drawn up with the insurance company. It is determined by the Central Bank and recorded in the table.

All of the above indicators affect the final cost of the policy. And their use reduces or increases the cost of compulsory motor liability insurance, and in some cases leaves the level of expenses of the car owner when purchasing a policy unchanged. The territory coefficient deserves special attention, because it changes frequently.

How to find out your regional coefficient

The coefficient is not calculated at the place where the car was purchased, as one might expect, and not at the place where the vehicle is used. The regional coefficient is tied to the registration or temporary registration of the car owner. That is, a Muscovite, purchasing a car in Cheboksary, will buy MTPL insurance at Moscow rates, even if he drives in Cheboksary or the Murmansk region. If the coefficients vary significantly, it may make sense to register the car in the regions. To do this, you will have to negotiate with one of your relatives or friends who has a local registration, or get a regional registration yourself.

For individual entrepreneurs and enterprises, the calculation of the regional coefficient is carried out according to the region of official registration of the organization, according to the region of the legal address.

For motor transport companies, the difference in insurance costs can result in significant amounts. It may actually make sense to register a business in the region in order to get savings. The regional OSAGO coefficient can change the total cost of insurance by almost 4 times - from a minimum value of 0.6 to a maximum of 2.0.

Knowing the correct values of all coefficients, you can correctly calculate the cost of MTPL insurance for your car and even save a lot. For your convenience, we provide complete tables of regional coefficients for territories, republics and districts.

Basic coefficient (tariff)

The base tariff (rate) is calculated in rubles. The value is fixed.

It is determined by the Central Bank of Russia, determined by the category of the car, the insured (individual or legal entity).

person), pricing policy and internal rules of the company (gender of the owner, year of manufacture of the car, etc.), purpose of use of the car (taxi or personal use), color and brand of the vehicle, marital status and varies within the following limits:

See the table for other data:

Table of regional coefficients by republic

The values have 2 digits for each region - for conventional vehicles and for tractors, agricultural machinery, and self-propelled vehicles. As a rule, the coefficient for tractors is much lower, this must be taken into account.

The cost of insurance, like a constructor, consists of several nuances

Region, subject of the Federation, joint-stock company	Importance for motor transport	Tractors, self-propelled vehicles
Moscow	2	1.2
Adygea	1.3	1
Karachay-Cherkessia	1	0.8
Tyva	0.6	0.5
Chechnya	0.6	0.5
Crimea	0.6	0.6
Leningrad region	1.3	0.8
Moscow region	1.7	1
Jewish Autonomous Region	0.6	0.5
Nenets Autonomous Okrug	0.8	0.5
Baikonur	0.6	0.5

Altai Republic	Importance for motor transport	Tractors, self-propelled vehicles
Gorno-Altaisk	1.3	0.8
Other settlements	0.7	0.5
Bashkortostan
Oktyabrsky, Blagoveshchensk	1.2	0.8
Ishimbay, Salavat, Kumertau	1.1	0.8
Sterlitamak, Tuymazy	1.3	0.8
Ufa	1.8	1
Other cities	1
Dagestan
Buynaksk, Khasavyurt, Derbent, Makhachkala, Kaspiysk	0.7	0.5
Other settlements	0.6	0.5

Buryatia	Importance for motor transport	Tractors, self-propelled vehicles
Ulan-Ude	1.3	0.8
Other settlements	0.6	0.5
Ingushetia
Malgobek	0.8	0.6
Other settlements	0.6	0.5
Kabardino-Balkaria
Nalchik, Prokhladny	1	0.8
Other settlements	0.7	0.5
Kalmykia
Elista	1.3	0.8
Other settlements	0.6	0.5

Komi	Importance for motor transport	Tractors, self-propelled vehicles
Syktyvkar	1.6	1
Ukhta	1.5	0.8
Other settlements	1	0.8
Karelia
Petrozavodsk	1.3	0.8
Other settlements	0.8	0.5
Mordovia
Ruzaevka	1.2	1
Saransk	1.5	1
Other settlements	0.8	0.6
Mari El
Volzhsk	1	0.8
Yoshkar-Ola	1.4	0.8
Other settlements	0.7	0.5

North Ossetia	Importance for motor transport	Tractors, self-propelled vehicles
Vladikavkaz	1	0.8
Other settlements	0.8	0.5
Sakha
Neryungri	0.8	0.5
Yakutsk	1.2	0.7
Other settlements	0.6	0.5
Khakassia
Abakan, Chernogorsk, Sayanogorsk	1	0.8
Other settlements	0.6	0.5
Tatarstan
Kazan	2	1.2
Bugulma, Leninogorsk, Chistopol	1	0.8
Elabuga	1.2	0.8
Naberezhnye Chelny	1.7	1
Almetyevsk, Zelenodolsk, Nizhnekamsk	1.3	0.8
Other settlements	1.1	0.8

Chuvashia	Importance for motor transport	Tractors, self-propelled vehicles
Novocheboksarsk	1.2	0.8
Kanash	1.1	0.8
Cheboksary	1.7	1
Other settlements	0.8	0.5
Udmurtia
Glazov, Sarapul	1	0.8
Izhevsk	1.6	1
Votkinsk	1.1	0.8
Other settlements	0.8	0.5

Regional OSAGO coefficients around the edges

Altai region	Importance for motor transport	Tractors, self-propelled vehicles
Biysk	1.2	0.8
Barnaul	1.7	1
Zarinsk, Novoaltaisk, Rubtsovsk	1.1	0.8
Other settlements	0.7	0.5
Kamchatka Krai
Petropavlovsk-Kamchatsky	1.3	1
Other settlements	1	0.6
Stavropol region
Budennovsk, Georgievsk, Essentuki, Mineralnye Vody, Nevinnomyssk, Pyatigorsk	1	0.8
Kislovodsk, Mikhailovsk, Stavropol	1.2	0.8
Other settlements	0.7	0.5

Transbaikal region	Importance for motor transport	Tractors, self-propelled vehicles
Chita	0.7	0.5
Other settlements	0.6	0.5
Krasnodar region
Sochi, Armavir, Tuapse	1.2	0.8
Anapa, Gelendzhik	1.3	0.8
Belorechensk, Slavyansk-on-Kuban, Yeysk, Kropotkin, Krymsk, Kurganinsk, Labinsk, Timashevsk, Tikhoretsk	1.1	0.8
Krasnodar, Novorossiysk	1.8	1
Other settlements	1	0.8
Krasnoyarsk region
Krasnoyarsk	1.8	1
Kansk, Lesosibirsk, Minusinsk, Nazarovo	1	0.8
Zelenogorsk, Achinsk	1.1	0.8
Zheleznogorsk, Norilsk	1.3	0.8
Other settlements	0.9	0.5
Primorsky Krai
Arsenyev, Artem, Nakhodka, Spassk-Dalniy, Ussuriysk	1	0,8
Vladivostok	1,4	1
Other settlements	0,7	0,5

Perm region	Importance for motor transport	Tractors, self-propelled vehicles
Solikamsk	1.2	0.8
Berezniki, Krasnokamsk	1.3	0.8
Permian	2	1.2
Lysva, Tchaikovsky	1	0.8
Other settlements	1.1	0.8
Khabarovsk region
Khabarovsk	1.7	1
Komsomolsk-on-Amur	1.3	0.8
Amursk	1	0.8
Other settlements	0.8	0.5
Arhangelsk region
Severodvinsk	1.7	1
Arkhangelsk	1.8	1
Kotlas	1.6	1
Other settlements	1	0.5

OSAGO regional coefficients by region

Amur region	Importance for motor transport	Tractors, self-propelled vehicles
Belogorsk, Svobodny	1.1	0.9
Blagoveshchensk	1.6	0.9
Other settlements	1	0.6
Astrakhan region
Astrakhan	1.4	1
Other settlements	0.8	0.5
Bryansk region
Klintsy	1	0.8
Bryansk	1.5	1
Other settlements	0.7	0.5
Volgograd region
Kamyshin, Mikhailovka	1	0.8
Volzhsky	1.1	0.8
Volgograd	1.3	0.8
Other settlements	0.7	0.5

Belgorod region	Importance for motor transport	Tractors, self-propelled vehicles
Gubkin, Stary Oskol	1	0.8
Belgorod	1.3	0.8
Other settlements	0.8	0.5
Vologda Region
Cherepovets	1.8	1
Vologda	1.7	1
Other settlements	0.9	0.5
Voronezh region
Borisoglebsk, Liski, Rossosh	1.1	0.9
Voronezh	1.5	0.9
Other settlements	0.8	0.6
Vladimir region
Moore	1.2	0.8
Vladimir	1.6	1
Gus-Khrustalny	1.1	0.8
Other settlements	1	0.8

Voronezh region	Importance for motor transport	Tractors, self-propelled vehicles
Borisoglebsk, Liski, Rossosh	1.1	0.9
Voronezh	1.5	1.1
Other settlements	0.8	0.6
Irkutsk region
Usolye-Sibirskoye	1.1	0.8
Irkutsk	1.7	1
Angarsk	1.2	0.8
Shelekhov	1.3	0.8
Bratsk, Tulun, Ust-Kut, Cheremkhovo, Ust-Ilimsk	1	0.8
Other settlements	0.8	0.5
Ivanovo region
Ivanovo	1.8	1
Shuya	1	0.8
Kineshma	1.1	0.8
Other settlements	0.9	0.5

Kirov region	Importance for motor transport	Tractors, self-propelled vehicles
Kirovo-Chepetsk	1.2	0.8
Kirov	1.4	1
Kirovo-Chepetsk	1.2	0.8
Other settlements	0.8	0.5
Kaluga region
Obninsk	1.3	0.8
Kaluga	1.2	0.8
Other settlements	0.9	0.5
Kemerovo region
Anzhero-Sudzhensk, Kiselevsk, Yurga	1.2	0.8
Novokuznetsk	1.8	1
Kemerovo	1.9	1
Belovo, Berezovsky, Mezhdurechensk, Osinniki, Prokopyevsk	1.3	0.8
Other settlements	1.1	0.8
Kaliningrad region
Kaliningrad	1.1	0.8
Other settlements	0.8	0.5

Kostroma region	Importance for motor transport	Tractors, self-propelled vehicles
Kostroma	1.3	0.8
Other settlements	0.7	0.5
Kursk region
Kursk	1.2	0.8
Zheleznogorsk	1	0.8
Other settlements	0.7	0.5
Kurgan region
Shadrinsk	1.1	0.8
Mound	1.4	0.8
Other settlements	0.6	0.5
Lipetsk region
Dace	1	0.8
Lipetsk	1.5	1
Other settlements	0.8	0.5

Murmansk region	Importance for motor transport	Tractors, self-propelled vehicles
Apatity, Monchegorsk	1.3	1
Severomorsk	1.6	1
Murmansk	2.1	1.2
Other settlements	1.2	1
Magadan Region
Magadan	0.7	0.5
Other settlements	0.6	0.5
Novosibirsk region
Kuibyshev	1	0.8
Novosibirsk	1.7	1
Iskitim	1.2	0.8
Berdsk	1.3	0.8
Other settlements	0.9	0.5
Novgorod region
Borovichi	1	0.8
Velikiy Novgorod	1.3	0.8
Other settlements	0.9	0.5

Nizhny Novgorod Region	Importance for motor transport	Tractors, self-propelled vehicles
Balakhna, Bor, Dzerzhinsk	1.3	0.8
Nizhny Novgorod	1.8	1
Arzamas, Vyksa, Sarov	1.1	0.8
Kstovo	1.2	0.8
Other settlements	1	0.8
Orenburg region
Buguruslan, Buzuluk, Novotroitsk	1	0.8
Orsk	1.1	0.8
Orenburg	1.7	1
Other settlements	0.8	0.5
Oryol Region
Eagle	1.2	0.8
Other settlements	0.7	0.5
Omsk region
Omsk	1.6	1
Other settlements	0.9	0.5

Pskov region	Importance for motor transport	Tractors, self-propelled vehicles
Velikie Luki	1	0.8
Pskov	1.2	0.8
Other settlements	0.7	0.5
Penza region
Zarechny	1.2	0.8
Kuznetsk	1	0.8
Penza	1.4	1
Other settlements	0.7	0.5
Rostov region
Azov	1.2	0.8
Rostov-on-Don	1.8	1
Volgodonsk, Gukovo, Kamensk-Shakhtinsky, Novocherkassk, Novoshakhtinsk, Salsk, Taganrog	1	0.8
Bataysk	1.3	0.8
Mines	1.1	0.8
Other settlements	0.8	0.5
Ryazan Oblast
Ryazan	1.4	1
Other settlements	0.9	0.5

Saratov region	Importance for motor transport	Tractors, self-propelled vehicles
Balakovo, Balashov, Volsk	1	0.8
Saratov	1.6	1
Engels	1.2	0.8
Other settlements	0.7	0.5
Samara Region
Novokuybyshevsk, Syzran	1.1	0.8
Tolyatti	1.5	1
Samara	1.6	1
Chapaevsk	1.2	0.8
Other settlements	0.9	0.5
Sakhalin region
Yuzhno-Sakhalinsk	1.5	1
Other settlements	0.9	0.5
Sverdlovsk region
Ekaterinburg	1.8	1
Novouralsk, Berezovsky, Pervouralsk, Verkhnyaya Pyshma,	1.3	0.8
Polevskoy, Verkhnaya Salda	1.2	0.8
Asbest, Revda	1.1	0.8
Other settlements	1	0.8

Smolensk region	Importance for motor transport	Tractors, self-propelled vehicles
Smolensk	1.2	0.8
Yartsevo, Safonovo, Vyazma, Roslavl	1	0.8
Other settlements	0.7	0.5
Tver region
Tver	1.5	1
Kimry, Vyshny Volochek, Rzhev	1	0.8
Other settlements	0.8	0.5
Tomsk region
Tomsk	1.6	1
Seversk	1.2	0.8
Other settlements	0.9	0.5

Tula region	Importance for motor transport	Tractors, self-propelled vehicles
Tula	1.5	1
Shchekino, Uzlovaya,	1.2	0.8
Novomoskovsk, Aleksin, Efremov	1	0.8
Other settlements	0.9	0.5
Tambov Region
Michurinsk	1	0.8
Tambov	1.2	0.8
Other settlements	0.8	0.5
Ulyanovsk region
Ulyanovsk	1.5	1.1
Dimitrovgrad	1.2	0.9
Other settlements	0.9	0.6

Tyumen region	Importance for motor transport	Tractors, self-propelled vehicles
Tobolsk	1.3	0.8
Tyumen	2	1.2
Other settlements	1.1	0.8
Chelyabinsk region
Chelyabinsk	2.1	1.3
Magnitogorsk	1.8	1
Kopeisk	1.6	1
Miass, Zlatoust	1.4	0.8
Chebarkul, Satka	1.2	0.8
Other settlements	1	0.8
Yaroslavl region
Yaroslavl	1.5	1
Other settlements	0.9	0.5

What should you consider regarding odds?

The size of the indicators used when calculating the cost of compulsory motor liability insurance can vary over a wide range. Some coefficients have only two or three parameters. As for the territory coefficient, there are dozens of positions. This means that to determine the exact parameter for your region, you should have a special table in front of your eyes.

The parameters discussed above are not always used in the calculation process:

KM is used only for passenger cars.
CPR, on the contrary, does not apply to passenger vehicles.
The CP is not relevant for cars registered in the Russian Federation.

There are many aspects that a car owner must take into account during the calculation process. That is why calculations are not carried out manually, but using a special calculator. It contains the necessary parameters and takes into account the correct algorithm.

Autonomous okrugs, OSAGO coefficients

Khanty-Mansi Autonomous Okrug	Importance for motor transport	Tractors, self-propelled vehicles
Khanty-Mansiysk	1.5	1
Kogalym	1	0.8
Nizhnevartovsk	1.8	1
Surgut	2	1.2
Nefteyugansk, Nyagan	1.3	0.8
Other settlements	1.1	0.8
Chukotka Autonomous Okrug	0.6	0.5
Yamalo-Nenets Autonomous Okrug
Noyabrsk	1.7	1
New Urengoy	1	0.8
Other settlements	1.1	0.8