Territory of primary use of MTPL vehicles

OSAGO territory coefficient in 2019

To calculate the cost of an MTPL policy, insurance companies use a special coefficient, which differ depending on the territory (region, city or town) - the so-called. MTPL territory coefficient 2019.

Typically, the larger the population, the more cars and the number of accidents. Therefore, for large cities where more than a million people live, the value of the territorial coefficient will be correspondingly higher than in small settlements.

The values of MTPL coefficients regularly increase, which leads to higher prices for insurance policies. The next increase in the cost of MTPL policies is expected in 2019.

Formula for calculating OSAGO 2019

Let us remind you that the OSAGO formula is the base tariff multiplied by various coefficients. The value of the basic tariff depends on various factors. Having familiarized yourself with the current MTPL tariffs and their structure, as well as taking into account the increasing and decreasing coefficients (the order of their application), you can calculate the cost of the insurance policy yourself.

Due to the fact that at the moment the tariffs are no longer as complex as before, the price of an MTPL policy can be calculated by spending a few minutes on it.

The formula for calculating the cost of compulsory motor liability insurance is as follows:

P = TB x KT x KBM x KVS x KO x KM x KS x KN x KP, where

P – MTPL insurance policy;

TB - Basic tariff;

CT - Territorial coefficient;

KBM - Bonus-malus coefficient;

KVS - Age-experience coefficient;

KO - Limiting coefficient;

KM - Engine power factor;

KS - Seasonality coefficient;

KN - Violation coefficient;

KP - Insurance term coefficient.

Thus, the highest policy cost will be for young drivers who live in big cities and have powerful cars. The lowest cost of the policy will be for experienced drivers with more than 10 years of accident-free driving experience, who live in small settlements (in unprofitable regions).

We bring to your attention a table of values of the territorial coefficient of compulsory motor liability insurance in the Russian Federation for 2019 for vehicles and tractors.

Current MTPL calculation coefficients for 2019

All car owners annually have to renew their MTPL policy, the presence of which is mandatory for legal driving. Without knowing all the intricacies of calculating the cost of a contract, you can become an “easy prey” for insurers who will set the maximum amount without taking into account reducing factors. In the article we will look at what OSAGO coefficients are, how they determine the price of the policy and what nuances need to be taken into account in order to purchase a “motor insurance” as profitably as possible.

Calculation formula

The price of compulsory motor liability insurance is regulated by the state, and this does not allow the insurance company to set it without permission. But the cost of the contract depends on many factors, so it is different for each car owner. This gives companies the opportunity to increase prices by taking advantage of drivers' lack of knowledge of their rights.

In order not to become a victim of unscrupulous insurers, you need to take into account that the cost is determined by the formula:

(Price) = (Base rate) * CT * KBM * KVS * KO * KM * KP * KN
where TB is multiplied by the coefficients:

The cost of the policy consists of the following components:

To determine how much personal insurance will cost, you need to know the value of each indicator from the general formula, as well as the procedure for its calculation. Below is a breakdown of each of them with explanations for use.

TB - Basic coefficient (basic tariff)

Its size is influenced by two factors:

vehicle type and category;
status of the policyholder (individual or legal entity).

Previously, this was a fixed amount and all insurers had to adhere to it. This significantly reduced the competitiveness of insurance companies, which could not attract new customers by lowering prices.

But since 2015, changes have been made to the law, according to which companies are provided with a monetary corridor, thanks to which they can set their basic ratios within the maximum amount. This allows you to choose the insurer with the most favorable offer. But old-time companies rarely set significant discounts; more often such offers come from newcomers to the market.

Important! In the latter case, when choosing an insurer without a reliability rating but with a low base rate, you should be prepared for problems with receiving compensation.

The base rate is the basic value from which the cost of the policy begins to be calculated.

The value of the basic tariff is determined by the insurance company and depends on the type of vehicle and region of use

BT values for all vehicles are shown in the table

CT - Territorial coefficient. Territory of preferential use

The territory coefficient is fixed for all subjects of the country. It reflects the intensity of traffic: if it is high, then the indicator is high. For example, in the capital the value is set to 2.0, but in the Moscow region the indicator has already been reduced and is equal to 1.7. This is explained by the number of vehicles on the roads, which leads to an increased risk of road accidents.

Important! This criterion is calculated based on the registration address of the policyholder (for individuals) or the vehicle (for legal entities).

The table of territorial coefficients for 2019 by region is presented below. It uses two indicators:

K(auto) - all vehicles, except special vehicles;
K (truck) - special transport.

KBM - bonus-malus coefficient

This indicator acts as a kind of encouragement to the car enthusiast for trouble-free operation of the car. It can either increase or decrease the cost of the contract based on your driving history. Each year of ownership of insurance without an accident implies a reduction in the price of the subsequent agreement by 5%.

Note! When determining the accident rate, only those cases (accidents) in which the fault of the policyholder was proven and for which compensation was paid are taken into account.

The number of driving classes is 15, each of them is assigned its own KBM. Detailed information is presented in the table below.

How to use the table to calculate KBM

In the “Class at the beginning of the annual insurance period” field, find your current class (if you have not previously been insured, then your class is 3 )
In the “Coefficient” field the coefficient value corresponding to the class is indicated
Next we move to the right along the line.
In the “0 insurance payments” field - the value of the coefficient that you will have next year is indicated if you do not allow a single accident
In the “1 insurance payments” field - indicates the value of the coefficient that you will have next year if you had 1 accident
In the “2 insurance payments” field, the value of the coefficient that you will have next year is indicated if you had 2 accidents, etc.

Class at the beginning of the annual insurance period

Class at the end of the annual insurance period, taking into account the presence of insured events that occurred during the period of validity of previous compulsory insurance contracts

0
insurance payments

1
insurance payment

2
insurance payments

3
insurance payments

4 or more
insurance payments

You can view detailed information on calculating the KBM on the page KBM table and calculation rules

At the first conclusion of an agreement with the insurance company, the policyholder is set to BMR 1.0 - it does not imply either incentives or penalties. Further, subject to trouble-free operation, the car class increases annually. As a result, the BMR decreases, due to which the cost of the policy decreases.

If the insurance contract includes more than one driver, the coefficient is calculated for each. The final cost of compulsory motor liability insurance is set according to the maximum option. Therefore, it is unprofitable to include in the policy drivers with a potentially high accident rate, due to whom not only the risk of damage to the vehicle arises, but also the price of insurance increases.

This coefficient is the only one that can cause certain difficulties. They are possible if the car owner has extensive experience driving a vehicle. In this case, difficulties may arise in determining the period of occurrence of the insured event.

In such a situation, you can use the RSA website, which contains information about all drivers and their vehicle operating history. To do this, you need to fill out a special form on the page and indicate:

status of the car owner (individual or legal entity);
type of policy concluded (the number of drivers included in the contract is limited or not);
Full name of the motorist whose driving rating needs to be determined and his date of birth;
details of rights (document number);
date of conclusion of the contract.

Based on your submitted application, you may receive two response options:

KBM value, which means the presence of information about this car owner in the RSA database. Additionally, the details of the policy and insurance company, as well as its validity period, will be indicated;
the KBM value is not found, which leads to the assignment of the entry level (class 3 and KBM 1).

The reasons for receiving the last result may be the following:

an error was made when providing information;
technical problems occurred;
there is no information about the car owner in the register (for example, due to the fault of the insurance company, which did not transfer them);
during the policy period the rights were replaced;
The insurance company with which the contract was concluded has been liquidated.

If the KBM is determined incorrectly, you should go through the procedure for restoring it.

KVS - MTPL coefficient by age and length of service

This indicator indicates experience, which is assessed based on the age and experience of the driver. It is determined not only on the basis of information about the policyholder. All persons included in the contract are taken into account.

If the insurance applies to young people (under 22 years of age) and/or with little experience (not exceeding 3 years), the indicator can become an increasing factor and significantly increase the cost of the agreement.

When purchasing unlimited insurance, KIC 1.0 is set, which is the minimum indicator. You can determine your coefficient using the information given in the table below.

Territorial coefficient of OSAGO CT

Brief description of the territorial OSAGO coefficient

The territory coefficient (CT) of OSAGO is one of the basic variables that is used in the RSA database to calculate the cost of an OSAGO policy.

The territorial coefficient of insurance rates, depending on the territory of primary use of the vehicle, is determined by the place of registration of the owner of the vehicle.

Territorial OSAGO coefficient in 2019 table based on RSA database

The OSAGO calculator service on our portal uses coefficient data from the RSA base, so the cost of OSAGO will correspond to the offers of insurance companies.

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Table of territorial coefficients of OSAGO 2019

All information about territorial OSAGO coefficients:

What is the territorial coefficient
How to save on the territorial coefficient
Table of territorial coefficients

[Article updated in 2019]

To calculate the cost of an MTPL policy, quite a few different coefficients are used, which take into account the driver’s experience and age, his car and driving style, etc. But in order to somehow take into account the accident rate (probability of an accident) in different settlements, when calculating compulsory motor liability insurance, the coefficient of the territory of primary use or simply the territorial coefficient .

Territorial OSAGO coefficients in 2019

The cost of a compulsory insurance policy depends on the basic tariffs of the insurance company established for the current year and additional adjustment factors that are the same for all. The final price of insurance is also influenced by the territory in which the vehicle will be used.

Table of coefficients of the territory of OSAGO 2019

Below is a detailed table of coefficients for the MTPL territory in 2019. 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.

Why is the MTPL insurance ratio different by region?

The difference between the coefficients for different regions is quite significant. So, for Muscovites this figure is 2.0, and for residents of the Leningrad region - 1.3. Where does such a big difference in calculations come from?

It's all about the features of large cities:

high traffic density;
accident rate.

It is assumed that a resident of a large city has a greater risk of getting into an accident, so the cost of the policy should be higher.

Basic rates and tariffs of OSAGO 2019 by region

The most expensive policy will be for a novice driver who lives in a large city and decides to buy a powerful car. For motorists from small towns and unprofitable regions, the policy will be cheaper. The lowest cost will be for drivers with extensive experience and a record of accident-free driving.

On our website you can clarify the base rates and tariffs of MTPL 2019 by region, the value of territorial coefficients and find the best offer. Check it out now!

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