Calculate the cost of an MTPL policy taking into account the region, engine power, driver age and other factors
Calculate the cost of an MTPL policy taking into account the region, engine power, driver age and other factors
Enter parameters and click 'Calculate'
The OSAGO online calculator will help you accurately calculate the cost of a compulsory motor third party liability insurance policy, taking into account all current coefficients. The calculator takes into account the territorial coefficient (CT), the bonus-malus coefficient (BCM), the age and experience of the driver (KVS), engine power (KM) and the number of drivers (KO).
The cost of compulsory motor liability insurance is calculated using the formula: Basic tariff × CT × KBM × KVS × KM × KO
The MTPL calculator provides many advantages for insurance planning:
To choose the optimal MTPL policy:
The OSAGO online calculator will help you accurately calculate the cost of a compulsory motor third party liability insurance policy, taking into account all current coefficients. The calculator takes into account the territorial coefficient (CT), the bonus-malus coefficient (BCM), the age and experience of the driver (KVS), engine power (KM) and the number of drivers (KO).
OSAGO is compulsory motor third party liability insurance, which every car owner must have. Knowing the exact cost of a policy helps you choose the optimal insurance company, plan insurance costs and avoid overpayments. The calculator calculates the cost based on current basic tariffs and coefficients approved by the Central Bank of the Russian Federation.
Let's look at practical examples of calculating the cost of compulsory motor liability insurance for various situations:
Experienced driver in Moscow with good KBM
Входные данные:
Region: Moscow (CT = 2.0)
Power: 150 hp (KM = 1.2)
Age: 30 years, experience 5 years (PIC = 1.0)
Drivers: one (KO = 1.0)
KBM: 0.5 (maximum discount)Расчёт:
Base rate: 5,000 ₽
CT × KBM × KVS × KM × KO = 2.0 × 0.5 × 1.0 × 1.2 × 1.0 = 1.2
Cost: 5,000 × 1.2 = 6,000 ₽Результат:
Cost of OSAGO: 6,000 ₽
Тип:
Experienced driver
The maximum discount of KBM 0.5 significantly reduces the cost of the policy
Young driver in St. Petersburg
Входные данные:
Region: St. Petersburg (CT = 1.8)
Power: 100 hp (KM = 1.0)
Age: 20 years, experience 1 year (PIC = 1.8)
Drivers: one (KO = 1.0)
KBM: 1.0 (basic tariff)Расчёт:
Base rate: 5,000 ₽
CT × KBM × KVS × KM × KO = 1.8 × 1.0 × 1.8 × 1.0 × 1.0 = 3.24
Cost: 5,000 × 3.24 = 16,200 ₽Результат:
Cost of MTPL: 16,200 ₽
Тип:
Young driver
The high FAC factor of 1.8 significantly increases the cost for young drivers
Experienced driver in the region with an extended list of drivers
Входные данные:
Region: Other regions (CT = 1.0)
Power: 200 hp (KM = 1.4)
Age: 45 years, experience 20 years (PIC = 1.0)
Drivers: several (KO = 1.2)
KBM: 0.6 (good discount)Расчёт:
Base rate: 5,000 ₽
CT × KBM × KVS × KM × KO = 1.0 × 0.6 × 1.0 × 1.4 × 1.2 = 1.008
Cost: 5,000 × 1.008 = 5,040 ₽Результат:
Cost of MTPL: 5,040 ₽
Тип:
Extended list
Low territorial coefficient and good BBM compensate for high power
Young driver in Moscow with an unlimited list of drivers
Входные данные:
Region: Moscow (CT = 2.0)
Power: 80 hp (KM = 1.0)
Age: 25 years, experience 2 years (PIC = 1.0)
Drivers: unlimited number (KO = 1.8)
KBM: 1.0 (basic tariff)Расчёт:
Base rate: 5,000 ₽
CT × KBM × KVS × KM × KO = 2.0 × 1.0 × 1.0 × 1.0 × 1.8 = 3.6
Cost: 5,000 × 3.6 = 18,000 ₽Результат:
Cost of MTPL: 18,000 ₽
Тип:
Unlimited list
A high CO ratio of 1.8 significantly increases the cost of the policy
Experienced driver with a low-power vehicle in the region
Входные данные:
Region: Other regions (CT = 1.0)
Power: 60 hp (KM = 0.6)
Age: 35 years old, 10 years of experience (PIC = 1.0)
Drivers: one (KO = 1.0)
KBM: 0.7 (good discount)Расчёт:
Base rate: 5,000 ₽
CT × KBM × KVS × KM × KO = 1.0 × 0.7 × 1.0 × 0.6 × 1.0 = 0.42
Cost: 5,000 × 0.42 = 2,100 ₽Результат:
Cost of MTPL: 2,100 ₽
Тип:
Low power car
Low KM coefficient 0.6 and good KBM give minimal cost
Young driver with bad driving history
Входные данные:
Region: St. Petersburg (CT = 1.8)
Power: 120 hp (KM = 1.1)
Age: 22 years, experience 3 years (PIC = 1.0)
Drivers: one (KO = 1.0)
KBM: 2.0 (maximum allowance)Расчёт:
Base rate: 5,000 ₽
CT × KBM × KVS × KM × KO = 1.8 × 2.0 × 1.0 × 1.1 × 1.0 = 3.96
Cost: 5,000 × 3.96 = 19,800 ₽Результат:
Cost of MTPL: 19,800 ₽
Тип:
With KBM surcharge
High KBM 2.0 significantly increases the cost of the policy
КТ = 2
×2
КТ = 1.8
×1.8
КТ = 1
×1
Максимальная скидка
Базовый тариф
Надбавка 100%
Calculation of the cost of compulsory motor liability insurance is based on a formula approved by the Central Bank of the Russian Federation, taking into account all existing coefficients.
Cost = Base rate × CT × KBM × KVS × KM × KOBase rate: 5,000 rubles (set by the Central Bank of the Russian Federation)
Coefficients: CT (territory), KBM (bonus-malus), KVS (age-experience), KM (power), KO (limitation)
The cost of compulsory motor liability insurance is calculated using the formula: Basic tariff × CT × KBM × KVS × KM × KO
The MTPL calculator provides many advantages for insurance planning:
Quick calculation of the cost of the policy in a few minutes
Accurate calculation taking into account all current coefficients
Possibility to compare costs in different insurance companies
Saving time and money when choosing the optimal policy
To choose the optimal MTPL policy:
Compare offers from different insurance companies
Maintain a good bonus-malus ratio by accident-free driving
Renew your policy in advance to save discounts
Prepare all necessary documents in advance
The cost of compulsory motor liability insurance is calculated using the formula: Base rate × CT × KBM × KVS × KM × KO. The base rate is 5,000 rubles. Use our calculator by entering the region, engine power, driver age and experience, number of drivers and bonus-malus coefficient.
The cost of compulsory motor insurance is affected by 5 coefficients: CT (territory) - from 1.0 to 2.0, KBM (bonus-malus) - from 0.5 to 2.45, KVS (age-experience) - 1.0 or 1.8, KM (power) - from 0.6 to 1.4, KO (driver limitation) - from 1.0 to 1.8. Each factor can significantly change the final cost.
KBM is a coefficient that depends on the driver’s driving history. With accident-free driving, the KBM decreases from 1.0 to 0.5 (maximum discount of 50%). In case of accidents, the KBM increases to 2.45 (145% increase). The KBM remains the same when changing insurance companies.
In Moscow, CT = 2.0 (the highest), in St. Petersburg, CT = 1.8, in other regions, CT = 1.0. The territorial coefficient reflects accident statistics in the region and affects the cost of compulsory motor liability insurance.
FAC coefficient = 1.8 for drivers under 22 years of age with less than 3 years of experience, otherwise FAC = 1.0. Young, inexperienced drivers pay 80% more for compulsory motor insurance. Experience is counted from the moment you receive your first driver's license.
The KM coefficient depends on the power: up to 70 hp. = 0.6, 70-100 hp = 1.0, 101-120 hp = 1.1, 121-150 hp = 1.2, over 150 hp = 1.4. The more powerful the car, the higher the cost of compulsory motor insurance.
One driver (KO = 1.0) is the cheapest option. Multiple drivers (CP = 1.2) increases the cost by 20%. Unlimited list (KO = 1.8) increases the cost by 80%. Choose a minimal list if possible.
No, the KBM is tied to the driver and remains the same when changing insurance companies. Data on KBM are stored in a single database of RSA (Russian Union of Auto Insurers) and are available to all insurance companies.
The KBM can be found on the RSA website by entering the driver and vehicle data. KBM is also indicated in the previous OSAGO policy. When registering for the first time, OSAGO KBM = 1.0 (basic tariff).
If the BMR is calculated incorrectly, contact the insurance company with a request for recalculation. If necessary, file a complaint with the RSA or the Central Bank of the Russian Federation. An incorrect KBM can lead to overpayment or underpayment under compulsory motor liability insurance.
Yes, OSAGO is mandatory for all car owners in Russia. Driving a car without a valid MTPL policy will result in a fine of 800 rubles and a ban on operating the vehicle until the policy is issued.
OSAGO is issued for 1 year and is renewed annually. It is recommended to renew 1-2 months before the expiration date to maintain the current BMR and avoid cost increases.
Yes, most insurance companies offer OSAGO registration online. It's convenient, fast and often cheaper than in the office. For registration you need scans of documents and an electronic signature.
To apply for compulsory motor liability insurance you need: driver’s passport, driver’s license, vehicle title or vehicle registration certificate, diagnostic card (if required), previous compulsory motor liability insurance policy (to determine the vehicle liability insurance). For legal entities, constituent documents are additionally required.
A diagnostic card is a document confirming the completion of a technical inspection. It is needed for cars older than 4 years. Without a valid diagnostic card, you cannot apply for compulsory motor liability insurance. The card is valid for 1 year for new cars, 6 months for old ones.
Ways to save: 1) Maintain a good KBM by accident-free driving. 2) Limit the list of drivers. 3) Choose a car with less power. 4) Compare offers from different insurance companies. 5) Renew your policy in advance.
In case of an accident: 1) Call the traffic police and an ambulance (if there are victims). 2) Record the circumstances of the accident. 3) Contact the culprit’s insurance company within 5 days. 4) Provide all necessary documents. 5) Get damages.
Limit of payments under compulsory motor liability insurance: up to 400,000 rubles for damage to property, up to 500,000 rubles for harm to the life and health of the victim. If damage is caused to several victims, the limit increases in proportion to the number of victims.
Yes, you can return part of the cost of compulsory motor liability insurance if the contract is terminated early. The refund is calculated in proportion to the unused period. Contact the insurance company with an application and documents to deregister the car.
The deductible is the part of the damage that is reimbursed by the policyholder himself. Under compulsory motor liability insurance, a deductible does not apply - the insurer compensates for all damage within the limit. The deductible can only be applied under CASCO insurance.
You can check the authenticity of the policy on the RSA website by entering the series and policy number. You can also check through the insurance company’s mobile application or by contacting the insurer’s office. Fake policies are invalid and will result in penalties.
No, OSAGO 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 OSAGO 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 MTPL rate is 5,000 rubles (no changes from 2023). Some territorial coefficients and rules for calculating KBM have changed. It is recommended to recalculate the cost of compulsory motor liability insurance taking into account the new tariffs.
No, to apply for compulsory motor liability insurance 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 MTPL policy is invalid.
If you lose your MTPL 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.
Increased MTPL tariffs apply for taxis. The taxi coefficient is 1.6-2.0 depending on the region. The remaining coefficients are calculated as standard. The cost of MTPL for a taxi is much higher than usual.
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.
CASCO is voluntary car insurance against damage and theft. OSAGO - compulsory insurance of liability to third parties. CASCO protects your car, OSAGO protects other road users. CASCO is 5-10 times more expensive than OSAGO.
Yes, the OSAGO 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.