Basic MTPL tariff in different insurance companies

OSAGO online

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OSAGO calculation

Each insurance company determines its cost of the MTPL policy within the limits established by the Central Bank of Russia. The OSAGO online calculator calculates the exact cost of the policy in Moscow, St. Petersburg, Yekaterinburg, Krasnodar, Novosibirsk, Samara and other cities of Russia using 2019 tariffs. The cost of an OSAGO policy depends on many factors: the insurance company, the type of vehicle, engine power, time of use, region of registration and data on persons allowed to drive a car - all these parameters are taken into account by the online OSAGO calculator.

Payments under OSAGO

The MTPL policy only compensates for damage caused as a result of your actions to someone else’s vehicle, property and health of the victims. The maximum amount of payments under compulsory motor liability insurance can be 400 thousand rubles for compensation for damage to life and health of each victim, as well as up to 500 thousand rubles for damaged property (for example, a car or a broken fence). From the articles in the Guide to Compulsory Motor Liability Insurance you can find out more detailed information about receiving insurance payments.

Documents for registration of compulsory motor liability insurance

To issue an MTPL policy, a single package of documents is required for all insurers:

statement;
passport or other identification document;
vehicle registration document;
inspection certificate;
a document confirming the ownership of this vehicle;
driver's license and previous MTPL policy, if available.

Basic MTPL tariffs 2019 in Moscow

Every car owner knows that he is obliged to take out a compulsory motor third party liability insurance policy. Otherwise, he risks receiving a fine at the first inspection by the traffic police. Many motorists are concerned about the increase in basic MTPL tariffs 2019 in Moscow and the Moscow region. Today we will tell you how to find out the exact price of insurance for your car.

We calculate OSAGO online: features and factors

The final cost of car insurance depends on the base rate, which each insurance company sets at its own discretion. The state determines the minimum and maximum value of the base rate; otherwise, insurers in Moscow and the region are given freedom. Additional factors also influence the final price of the policy. With their help, various factors are taken into account:

Territory of vehicle use. So, for residents of Moscow they use a coefficient of 2, and for car owners from the Moscow Region - 1.7.
Power. The higher it is, the more you will have to pay for insurance. You can clarify this indicator by looking at the certificate of ownership of the car.
Driving experience and age. The younger and more inexperienced the driver, the greater the risk that he will get into an accident. Therefore, insurance will cost more for beginners.
Accidents or accident-free driving. If a driver drives carefully and gets into an accident, he receives a small discount.
Number of drivers. You can take out a policy only for yourself, specify several persons, or take out insurance for an unlimited number of drivers.
Use of vehicles with a trailer. Used only for legal entities, owners of trucks, motorcycles and scooters. It does not apply to individuals who own passenger vehicles.
Seasonality. You can take out insurance for 12 months or a shorter period.

Car insurance rate tables and coefficients

The calculation formula includes many coefficients. You can clarify their meanings in the tables below. To make your own calculation, multiply the base tariff by those coefficients that correspond to the age, length of service of the driver and the characteristics of his vehicle.

If you want to save time, you don't have to do the calculations manually. You can use our free service and make an accurate calculation in just a few minutes. Enter all the necessary information and within a few seconds you will receive information on the leading insurance companies in the region. The ratings and reviews that you will find in the corresponding section of the site will help you make your choice.

OSAGO calculator online

A convenient way to calculate your policy

OSAGO CALCULATOR

An OSAGO policy is a compulsory motor third party liability insurance agreement that will help the car owner financially protect himself in the event of an accident due to his fault.

Compensation will be triggered when civil liability occurs as a result of causing harm to the life, health or property of third parties while driving a car. The maximum limit of liability of the insurer for each case is:

for damage to life and health - four hundred thousand rubles;
for property damage - five hundred thousand rubles.

In case of an accident with three or more drivers, each victim can claim insurance compensation in the amount of the above limits. It is important to remember that this type of insurance does not cover the costs of restoring the car of the person responsible for the accident. This type of protection is provided by Casco. Insurance can be purchased on paper or electronically.

Federal Law No. 40 establishes a ban on driving a car without a contract. The penalty for failure to comply with this requirement is:

if the driver does not have car insurance with him - five hundred rubles;
driving during a period not provided for by the contract - five hundred rubles;
driving a vehicle by a driver who is not included in the insurance – five hundred rubles;
absence of a valid insurance policy for the vehicle – eight hundred rubles.

What do you need to calculate the cost of insurance?

The policy price is calculated using the base rate and additional adjustment factors. This tariff is set by each insurance company at its own discretion within the range approved by the Central Bank. Adjustment factors are also developed and approved by the Central Bank, but, unlike the basic tariff, they are the same for everyone. The parameters that influence the calculation of the cost of insurance include:

territory of use of the car or region of registration of the owner of the vehicle;
presence/absence of accidents in history;
presence/absence of restrictions;
the number of complete years and experience of driving a car;
number of horsepower;
using a vehicle with a trailer;
period of operation of the vehicle;
contract time.

What documents are needed for registration?

To purchase this type of compensation you may need:

identification document of the policyholder;
PTS or STS;
registration of all those admitted to driving (if the contract is drawn up with a list of drivers by name);
a valid diagnostic card (if technical inspection is required by law).

Today it is not necessary to go to the insurer’s office and apply on a paper form. Issuing an insurance policy electronically has a number of significant advantages:

Simplicity in design. To apply for a policy, you do not need to visit the insurance office - just fill out the form provided. The data specified in the application will be sent to the RSA database for verification, and after verification it will be generated automatically.
Delivery. You won't need to adjust your schedule to meet with the courier or insurance agent. The agreement will be sent to you electronically by email. It will be enough to print it out and always have it with you.
Less risk of fraud. One of the main problems with paper policies is the likelihood that an unscrupulous seller will issue you insurance on a fake form. Unlike a regular form, you buy an electronic policy through the website, and it almost immediately appears in the RCA database.
The policy is always at hand. In case of loss or damage, you will only need to re-print it.

Despite all the listed advantages, the type of policy - paper or electronic - does not in any way affect the cost of insurance.

How to insure a car cheaply?

Since the insurance company can set the base rate at its discretion, the cost of insurance in different companies may vary. Using our calculator, you can not only choose the best offer at the lowest price, but also save time - apply through our website.

Advantages of registration through our website

Opportunity to find out the cost of the largest companies at competitive prices. You can save a lot.
To purchase insurance, you do not need to go anywhere - just fill out an application for the selected offer. Delivery is free in some regions.
On our website you can purchase an electronic policy. At the same time, you will not have to fill out the same type of forms several times on the websites of different insurers. The application filled out on our website will be sent simultaneously to several companies, all you have to do is choose the offer you like.
We guarantee the authenticity of insurance purchased through our service.

How to apply for a policy on our website?

First of all, you need to calculate the insurance for your car. To do this, fill in our calculator with information about the vehicle and insurance parameters, namely:

make, model, year of manufacture and modification of the vehicle;
period and start date of insurance;
region of registration and actual residence of the owner;
information about the owners.

When calculating the cost, you may not fill out all the fields, but in this case the calculation will not be accurate, without taking into account the bonus-malus coefficient, which, depending on the driver’s insurance history, can range from 0.5 to 2.45. If you want to make insurance without restrictions on the number of persons allowed to drive a vehicle, then to calculate the CBM you must indicate the passport details of the owner and the VIN of the car.

We work only with trusted partners, so no matter which company you choose, we guarantee its authenticity.

OSAGO insurance rates

According to current legislation, every car owner in Russia is required to take out a compulsory motor third party liability insurance policy. It is prohibited to drive a vehicle without insurance. For violations of the law, administrative punishment is provided in the form of a fine.

Today, you can calculate the cost of car insurance for a specific car in just a few minutes. The payment amount depends on the size of the base bet and odds. In accordance with the instructions of the Central Bank of the Russian Federation No. 5000-U dated December 4, 2018, a tariff corridor has been established - the maximum and minimum values of the base rate of OSAGO, within which insurance companies determine the cost of policies.

Factors in the formation of the cost of compulsory motor liability insurance

To correctly calculate compulsory motor liability insurance, the following parameters must be taken into account:

Vehicle engine power . The higher the indicator, the higher the calculated power factor (PF). So, if for vehicles with engines up to 50 hp. With. it will be 0.6, then for a car with a power of more than 150 hp. With. KM increases to 1.6.

Territory of preferential use (CT) . Drivers in large cities are more likely to have accidents than those living in rural areas. Therefore, for megacities the coefficient is higher than for regions. For example, MTPL insurance rates in 2019 for car owners from Moscow include a territorial coefficient of 2.0, and for drivers near Moscow - already 1.7.

Age and experience of the driver (PIC) . The lower the age and experience of the car owner, the higher the cost of the policy. If it is issued for several drivers, the FAC coefficient will be determined by the youngest and most inexperienced of them. And with an open policy (this is the so-called unlimited list), the coefficient will be 1.87.

The number of drivers allowed to drive a vehicle (KO) . With an unlimited list, the basic MTPL insurance rate is multiplied by the coefficient KO=1.87. When reflecting a limited list of persons in the policy - by 1.0, provided that these drivers have sufficient age and experience.

Accidents in the past (bonus malus, or BBM) . Accident-free driving entitles you to a discount. If you drive carefully for a year, the cost of the policy is reduced by 5%, for two years in a row - by 10%, and so on. Maximum MTPL insurance rates can be reduced by 50% for 10 years.

Possibility of using vehicles with trailers (VTR). This coefficient is relevant primarily for legal entities, owners of trucks, motorcycles and scooters. It does not apply to individuals who own passenger vehicles.

Period of use of the vehicle (KS) . It reflects the period of time during the calendar year during which the car will be used. The minimum period of use in contracts with individuals is 3 months.

The value of the base rate of insurance tariffs

Insurance Rate Coefficients

1. Coefficient of the territory of primary use of the vehicle (CT)

We have launched a new service - an independent comparison of prices for MTPL

Friends, we recently added to our product line: we launched a convenient service or calculator for comparing MTPL policies.

5 reasons why you need to compare prices for MTPL:

1. Different insurance companies have different prices for compulsory motor liability insurance.

The tariff or the so-called “base rate” is set by the state and has three values – minimum, average and maximum. The insurance company itself determines at what base rate the policy will be calculated. This means the price will be different.

2. Additional options.

Some insurance companies add additional services to the MTPL policy, for example, evacuation or emergency commissioner, which affect the price.

3. Number of locations for vehicle inspection points.

This factor of your comfort in the event of an insured event varies for all companies, you need to compare.

4. Procedures, processes and deadlines for processing documents differ for all insurance companies.

Often, for many, the news that the insurance company will consider an insured event within 20-30 business days comes as an unpleasant surprise. Therefore, it is better to know about these rules in advance.

5. The age and experience of drivers affects the price.

If you want to include several drivers in your insurance at once, it is more convenient to calculate the cost on a calculator and immediately compare it with multidrive - an unlimited number of drivers in the policy.

5. Insurance of additional risks.

Road traffic accidents and the extension of compulsory motor vehicle liability insurance - DSAGO - both products should not be underestimated. They cost pennies, but can save you a significant amount of money in the future.

Before choosing your MTPL, read useful information here.

Which insurance companies are we comparing?

Our calculator contains offers from the most reliable and largest insurance companies: Rosgosstrakh, Ingosstrakh, Renaissance Insurance, Soglasie, Reso, Alfa Insurance, VSK.

How to compare prices for MTPL using the Let's Compare calculator in just 3 simple steps?

1. First, to calculate the price, select the region where the car is registered, indicate the power and the number of drivers.

For each driver, indicate the year of birth and driving experience, as well as the KBM accident rate. Don't know what it is? Don't worry, we will explain everything and give you tips:

2. Click on the “Compare prices” button and you will also receive a cost calculation based on the specified parameters.

The request will always be before your eyes, and if you want to change something, just go back a step and enter new data.

Don’t forget about the payment limit for compulsory motor liability insurance: 400,000 rubles for property damage and up to 500,000 rubles for damage to life and health.

So, we have a comparison of prices for compulsory motor liability insurance policies from our insurance companies, which clearly shows the prices and options included in the policy.

Pay attention to the contents of OSAGO in order to choose the price without sacrificing quality:

1. Tow truck.

Often users do not realize that compulsory motor vehicle liability insurance can be purchased with a tow truck option, and this saves as much as 5,000 - 7,000 rubles. Not to mention convenience, few people at the time of an accident, if suddenly the car is not moving, will want to quickly look for contacts of the towing service.

2. Receive a refund.

Compensation can be of two types - monetary or repair. It is better to have both to have a choice in case of an insured event. In the first case, the insurance company itself estimates the amount of repairs and pays the money. In the second, she directs her to the service center with which she cooperates.

3. Emergency commissioner.

This is your insurance representative at the scene of the accident. He will stand on your side at the scene of the accident, check that all certificates and documents are prepared correctly, taking into account the requirements of the insurance company, and transfer the package of documents to the insurance company. It often happens that the documents are filled out incorrectly, then the insurance company does not accept them for consideration, but instead offers to go to the traffic police. It is more convenient to entrust this unpleasant task to an emergency worker.

4. A little about accident insurance and DSAGO.

Option prices and insurance coverage are directly compared. Just click the checkbox if you want to add an option and the policy price will be automatically recalculated. If you change your mind, press it.

Not all insurance companies have an extension of MTPL - DSAGO. But accident insurance for an accident can be purchased from any insurance company, not necessarily from the one where you buy compulsory motor liability insurance. This is a separate independent product.

You need to know your insurance company by sight!

What is the reliability rating according to an independent rating agency? Are there cases of non-payment? How many screening centers are there and where are they located? What is the process for processing an insurance claim? Click on “More details” and read the full information in the window that appears.

3. So, you have chosen your MTPL policy!

The cost and content of the policy are right in front of your eyes. Now, send your information to us so that we can help you apply for a policy.

What can we do for you?

1. Answer any questions, no matter how long it takes.

2. Take upon yourself to coordinate the further process with the insurance company so that it happens in the way that is convenient for you, without bureaucratic delays and waiting in the call center.

You will pay for the policy, enter into an insurance contract, and receive a compulsory motor liability insurance policy directly from the insurance company.

In conclusion:

We hope that the OSAGO price comparison service will be useful to you. And in the “Frequently Questions” section you can find the answer to any question. Subscribe to our newsletter to be the first to know about discounts and special promotions for our regular customers. Write to us if you need any more information!

We are always waiting for you, your family and friends again!