Calculate the cost of a CASCO policy taking into account the cost of the car, the age of the driver, region and other factors
Calculate the cost of a CASCO policy taking into account the cost of the car, the age of the driver, region and other factors
Enter parameters and click 'Calculate'
The online CASCO calculator will help you accurately calculate the cost of a full auto insurance policy, taking into account all current coefficients. The calculator takes into account the cost of the car, the age and experience of the driver, the region of registration, the presence of an anti-theft system and the size of the franchise.
The cost of CASCO is calculated using the formula: (Cost of the car × Base rate) × Kregion × Age × Service × Alarm system × Franchise
The CASCO calculator provides many advantages for planning car insurance:
To choose the optimal CASCO policy:
The online CASCO calculator will help you accurately calculate the cost of a full auto insurance policy, taking into account all current coefficients. The calculator takes into account the cost of the car, the age and experience of the driver, the region of registration, the presence of an anti-theft system and the size of the franchise.
CASCO is a complete car insurance that covers damage from any risks: accidents, theft, theft, natural disasters, illegal actions of third parties. Knowing the exact cost of the policy helps you choose the optimal insurance company, plan insurance costs and protect your car from all possible risks.
Let's look at practical examples of calculating the cost of CASCO for various situations:
Premium car in Moscow with an experienced driver and alarm system
Входные данные:
Cost: 2,000,000 ₽
Year: 2024
Age: 35 years, experience 15 years
Region: Moscow (Region = 1.2)
Alarm: yes (Kalarm = 0.9)
Franchise: no franchise (Kfranchise = 1.0)Расчёт:
Base rate: 6%
Kregion × Kvozrast × Kstazh × Ksignalization × Kfranchise = 1.2 × 1.0 × 1.0 × 0.9 × 1.0 = 1.08
Cost: 2,000,000 × 0.06 × 1.08 = 129,600 ₽Результат:
CASCO cost: 129,600 ₽
Тип:
Premium car
An experienced driver with an alarm receives minimal odds
Young driver with little experience in St. Petersburg
Входные данные:
Cost: 1,500,000 RUR
Year: 2022
Age: 23 years, experience 2 years
Region: St. Petersburg (Region = 1.1)
Alarm: no (Kalarm = 1.0)
Franchise: 10,000 ₽ (Cfranchise = 0.9)Расчёт:
Base rate: 6%
Kregion × Kvozrast × Kstazh × Ksignalization × Kfranchise = 1.1 × 1.2 × 1.3 × 1.0 × 0.9 = 1.544
Cost: 1,500,000 × 0.06 × 1.544 = 138,960 ₽Результат:
CASCO cost: 138,960 ₽
Тип:
Young driver
High age and experience factors increase cost
Used car in the region with a franchise
Входные данные:
Cost: 800,000 ₽
Year: 2018
Age: 28 years old, 8 years experience
Region: Other regions (Region = 1.0)
Alarm: yes (Kalarm = 0.9)
Franchise: 20,000 ₽ (Cfranchise = 0.8)Расчёт:
Base rate: 6%
Kregion × Kvozrast × Kstazh × Ksignalization × Kfranchise = 1.0 × 1.2 × 1.1 × 0.9 × 0.8 = 0.9504
Cost: 800,000 × 0.06 × 0.9504 = 45,619 ₽Результат:
CASCO cost: 45,619 ₽
Тип:
Used car
A deductible of 20,000 ₽ significantly reduces the cost of the policy
Expensive car with maximum coverage
Входные данные:
Cost: 3,500,000 RUR
Year: 2024
Age: 45 years, experience 20 years
Region: Moscow (Region = 1.2)
Alarm: yes (Kalarm = 0.9)
Franchise: no franchise (Kfranchise = 1.0)Расчёт:
Base rate: 6%
Kregion × Kvozrast × Kstazh × Ksignalization × Kfranchise = 1.2 × 1.0 × 1.0 × 0.9 × 1.0 = 1.08
Cost: 3,500,000 × 0.06 × 1.08 = 226,800 ₽Результат:
CASCO cost: 226,800 ₽
Тип:
Luxury car
The high cost of the car is compensated by minimal coefficients
Budget car with a young driver
Входные данные:
Cost: 600,000 ₽
Year: 2015
Age: 20 years, experience 1 year
Region: Other regions (Region = 1.0)
Alarm: no (Kalarm = 1.0)
Franchise: 10,000 ₽ (Cfranchise = 0.9)Расчёт:
Base rate: 6%
Kregion × Kvozrast × Kstazh × Ksignalization × Kfranchise = 1.0 × 1.5 × 1.3 × 1.0 × 0.9 = 1.755
Cost: 600,000 × 0.06 × 1.755 = 63,180 ₽Результат:
CASCO cost: 63,180 ₽
Тип:
Young driver
High coefficients of age and experience increase the cost by 1.75 times
Middle class car with optimal insurance conditions
Входные данные:
Cost: 1,200,000 RUR
Year: 2021
Age: 32 years, experience 12 years
Region: St. Petersburg (Region = 1.1)
Alarm: yes (Kalarm = 0.9)
Franchise: 10,000 ₽ (Cfranchise = 0.9)Расчёт:
Base rate: 6%
Kregion × Kvozrast × Kstazh × Ksignalization × Kfranchise = 1.1 × 1.0 × 1.0 × 0.9 × 0.9 = 0.891
Cost: 1,200,000 × 0.06 × 0.891 = 64,152 ₽Результат:
CASCO cost: 64,152 ₽
Тип:
Optimal conditions
An experienced driver with an alarm and a franchise receives a minimum cost
Крегион = 1.2
×1.2
Крегион = 1.1
×1.1
Крегион = 1
×1
Максимальная надбавка
Умеренная надбавка
Базовый тариф
Calculation of the cost of CASCO is based on a formula taking into account all existing coefficients and risk factors.
Cost = (Cost of the car × Base rate) × Kregion × Age × Term × Alarm × FranchiseBase rate: 6% of the cost of the car (set by the insurance company)
Coefficients: Kregion (region), Age (age), Kstazh (experience), Ksignalization (alarm), Kfranchise (franchise)
The cost of CASCO is calculated using the formula: (Cost of the car × Base rate) × Kregion × Age × Service × Alarm system × Franchise
The CASCO calculator provides many advantages for planning car insurance:
Full coverage of damage from any risks: accident, theft, theft, natural disasters
Quick and accurate calculation of the cost of the policy in a few minutes without contacting the insurance company
Accurate calculation taking into account all current coefficients and risk factors
Possibility to compare the cost of CASCO insurance in different insurance companies to choose the best option
To choose the optimal CASCO policy:
Compare offers from different insurance companies - the cost may differ by 30-50%. Use the calculator for an accurate comparison
Install an anti-theft system - this reduces the cost of CASCO by 10% and protects the car from theft
Consider a deductible to reduce the cost of your policy. A franchise of 20,000 ₽ reduces the cost by 20%
Prepare all necessary documents in advance: passport, driver’s license, PTS, diagnostic card
The cost of CASCO is calculated using the formula: (Cost of the car × 6%) × Kregion × Kvozrast × Kstazh × Ksalizatsiya × Franchise. Use our calculator by entering the cost of the car, year of manufacture, age and experience of the driver, region, presence of an alarm system and the franchise amount.
The cost of CASCO is affected by 5 coefficients: Kregion (1.0-1.2) - depends on the region, Age (1.0-1.5) - depends on the age of the driver, Experience (1.0-1.3) - depends on driving experience, KAlarm (0.9-1.0) - depends on the presence of an alarm, Kfranchise (0.8-1.0) - depends on the size of the franchise.
The deductible is the part of the damage that the policyholder himself compensates when an insured event occurs. A deductible of 10,000 ₽ means that for damage up to 10,000 ₽ you pay yourself, and above that the insurance company pays. The franchise reduces the cost of CASCO by 10-20%.
In Moscow Kregion = 1.2 (the highest), in St. Petersburg Kregion = 1.1, in other regions Kregion = 1.0. The regional coefficient reflects the statistics of accidents and thefts in the region.
Age coefficient: under 22 years old = 1.5, 22-30 years old = 1.2, over 30 years old = 1.0. Young drivers are considered riskier and pay more for CASCO insurance.
Coefficient of experience: up to 3 years = 1.3, 3-10 years = 1.1, more than 10 years = 1.0. Inexperienced drivers are more likely to get into accidents, so they pay more for insurance.
The presence of an anti-theft system reduces the cost of CASCO insurance by 10% (Kalarm = 0.9). The alarm system protects the car from theft and theft, so insurance companies provide a discount. No alarm KAlarm = 1.0.
CASCO and OSAGO are different types of insurance. OSAGO is mandatory and covers damage to third parties. CASCO is voluntary and covers damage to your car. CASCO is 5-10 times more expensive than OSAGO, but provides complete protection for the car.
No, to apply for CASCO insurance, you must have a valid MTPL policy. OSAGO is compulsory insurance; you cannot drive a car without it. CASCO is an additional protection that is issued on top of compulsory motor liability insurance.
CASCO covers: road accidents (accidents), car theft, theft, natural disasters (hurricane, flood, hail), illegal actions of third parties (vandalism, arson), falling objects on the car. The full list of risks is specified in the insurance contract.
No, CASCO is voluntary insurance. Unlike MTPL, CASCO is not mandatory. However, CASCO is recommended for expensive cars, as it provides complete protection against all risks and can save significant amounts in the event of an insured event.
CASCO is issued for 1 year and is renewed annually. It is recommended to renew 1-2 months before the expiration date to avoid a gap in coverage. If there is a break in insurance, the coefficients may change.
Yes, most insurance companies offer CASCO registration online. It's convenient, fast and often cheaper than in the office. For registration you need scans of documents, photographs of the car and an electronic signature.
To apply for CASCO you need: a driver’s passport, a driver’s license, a vehicle’s title or vehicle registration certificate, a diagnostic card, an MTPL policy, a certificate of the value of the car (for expensive cars), photographs of the car. For legal entities, constituent documents are additionally required.
Ways to save: 1) Install an alarm system - 10% discount. 2) Choose a franchise - 10-20% discount. 3) Compare offers from different insurance companies. 4) Renew your policy in advance. 5) Choose a car with a lower cost. 6) Increase your driving experience.
In case of an accident under CASCO: 1) Call the traffic police and an ambulance (if there are victims). 2) Record the circumstances of the accident. 3) Contact the insurance company within 5 days. 4) Provide all necessary documents. 5) Get compensation for damage or a referral for repairs.
The limit of payments under CASCO is equal to the value of the car at the time of insurance. In case of total loss of the vehicle, the full price is paid. In case of partial damage - the cost of repair. The limit may be limited by the wear and tear of the car (usually no more than 80% of the cost).
Yes, you can return part of the CASCO cost if you terminate the contract early. The refund is calculated in proportion to the unused period. Contact the insurance company with an application and documents to deregister the car.
Depreciation is the decrease in value of a vehicle due to use. When calculating the CASCO payment, depreciation is taken into account: for cars up to 2 years old - 0%, 2-5 years - 5% per year, 5-10 years - 10% per year, over 10 years - 15% per year. Depreciation cannot exceed 80% of the cost.
You can check the authenticity of the policy on the insurance company's website by entering the series and policy number. You can also check through the insurer's mobile application or by contacting the office. Fake policies are invalid and will result in penalties.
No, CASCO is issued only for 1 year. An exception is a temporary policy for 20 days when purchasing a car, but it costs more and does not replace the main policy. A temporary policy is needed to move a car.
An electronic CASCO policy is a policy in electronic form, equivalent to a paper one. It is stored in the insurance company's database and is accessible through a mobile application. An electronic policy is more convenient and environmentally friendly than a paper one.
In 2024, the base CASCO rate is 6% of the cost of the car (no changes from 2023). Some regional coefficients and rules for calculating wear have changed. It is recommended to recalculate the cost of CASCO insurance taking into account the new tariffs.
No, to apply for CASCO you need a valid diagnostic card (technical inspection). An exception is cars under 4 years old, for which inspection is not required. Without a technical inspection, the CASCO policy is invalid.
If you lose your CASCO policy, contact your insurance company for a duplicate. A duplicate is issued free of charge upon presentation of your passport. Until you receive a duplicate, you can drive the car with your insurance documents.
No, to apply for CASCO you definitely need a PTS (vehicle passport) or STS (registration certificate). Without these documents, a CASCO policy cannot be issued. The PTS must be original, not a copy.
CASCO+ is an expanded version of CASCO with additional services: evacuation, replacement car, legal assistance, 24-hour support. The cost of CASCO+ is 20-30% higher than usual, but includes more services.
If payment is refused: 1) Receive a written refusal with justification. 2) Contact the RSA with a complaint. 3) File a lawsuit. 4) Contact the Central Bank of the Russian Federation. 5) Engage an independent expert to assess the damage.
Yes, the CASCO calculator is completely free and does not require registration. You can use it an unlimited number of times to calculate the cost of a policy with any parameters. The calculator works online, does not require installation of programs and is available 24/7. All functions, including calculations for various regions and scenarios, are provided free of charge.
CASCO rates may be changed by insurance companies depending on the market situation, accident statistics and other factors. Base rates are usually revised 1-2 times a year. It is recommended that you check the current rates before taking out a policy as they may vary between insurance companies. The calculator uses average market rates for preliminary calculations.