Territorial OSAGO coefficient 2021: table

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.

Will the regional insurance coefficient be abolished?

The package of amendments prepared by the Ministry of Finance in August 2017 also contains a draft abolition of the territorial CT, which currently plays a decisive role in calculating the cost of insurance for vehicles. This measure is aimed at protecting the interests of car owners who have far from equal rights when purchasing an MTPL policy in different regions of the country. The initiative was not implemented in 2021, although it was included in the bill.

Deputy Chairman of the Central Bank V. Chistyukhin said in October 2021 that the abolition of the CT is possible no earlier than 2021-2022. A bill introducing such changes may be considered by the State Duma in the spring of next 2021. During the reform, other coefficients will be developed that take into account the accident rate of vehicle drivers - for motorists who comply with traffic rules, they will reduce the price of the policy, for those who often get into accidents and have administrative fines - increase the cost of insurance.

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.

How to independently calculate the cost of compulsory motor liability insurance

There is a standard formula for calculating the price of an MTPL policy. By substituting the required values into it, you can find out the amount that you will have to pay to the insurance company.

The calculation formula is as follows:

Cost = T*KT*KBM*KVS*KO*KM*KS*KN*KP

T is the base rate established by the state at the legislative level. At the moment, it is not fixed, but represents a certain price corridor within which this amount is calculated (for passenger cars: 3432-4118 rubles). The base rate for all car owners is standard, regardless of driving experience and car make. Each type of transport has its own price range (separately for trucks, cars and other vehicles). CT is a coefficient determined by the region in which the vehicle is registered. Its value is directly proportional to the size of the locality in which the car is registered. The larger the city, the more likely the occurrence of a traffic accident, and accordingly, the higher the coefficient. A list of currently established regional coefficients can be found at the end of the article. KBM - bonuses awarded to the driver individually based on an annual assessment of accident-free driving. The coefficient can either increase or decrease the final cost of insurance. When concluding a contract, the insurance company checks with a unified database of Russian auto insurers, which has kept records of all insurance entities since 2011. In the absence of information, a coefficient equal to 1 is established. FAC is calculated based on the age and driving experience of persons who have the right to drive a vehicle. The older the driver and the longer his driving experience, the lower the coefficient

It is important to remember that if several persons are allowed to drive a car, the coefficient will be calculated at the highest rate. A value equal to 1 is assigned to persons over 22 years of age who have more than 3 years of driving experience. KO - an indicator calculated based on the number of persons allowed to drive a vehicle

If the right to drive is limited only to the direct owner of the car, the coefficient will be equal to 1, adding additional persons to the policy increases it to 1.8. KM is an indicator based on the vehicle engine power: up to 50 hp. – the coefficient will be 0.6; 51-70 hp - 1; 71-100 hp – 1.1; 101-120 hp – 1.2; 121-150 hp – 1.4; over 151 hp – 1.6.

KS is a coefficient calculated based on the period of use of the vehicle. This indicator is important for seasonal types of transport: motorcycles, snowmobiles, etc., since, according to current rules, if the technical characteristics of the vehicle provide for all-season use, the applicant may be denied an insurance contract with a limited period of validity. CN - an increasing coefficient applied to drivers who have gross traffic violations (creating an emergency situation with the occurrence of an insured event; driving while drunk or in the absence of documents confirming the right to drive a vehicle; submitting knowingly false information affecting the cost of the insurance policy). When considering this indicator, offenses committed in the previous insurance period are taken into account. The maximum coefficient value is 1.5. KP is an indicator that takes into account the period for which insurance is issued. Applies only to cars registered in the territory of other states and used within the Russian Federation for temporary work activities or transit movement to the place of registration.

Currently, a number of changes have come into force to the law on compulsory motor third party liability insurance, on the basis of which many insurance companies refuse to enter into MTPL contracts without additional life insurance of the owner.

It is important to know that in such a case, having purchased both insurances and paid their full cost, the client has the right to terminate the additional agreement within 5 days from the date of conclusion of the contract and write an application for a refund of the amount paid. Thus, in order to avoid unnecessary costs for paying for the policy, choose a company that provides the most favorable insurance conditions, the car owner should carefully study his rights and obligations, as well as make an approximate calculation of the cost of the insurance premium for a personal car

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

Calculation of the cost of compulsory motor liability insurance

The cost of an MTPL policy is calculated in accordance with the Methodological Recommendations approved by RSA, using the following formula

SP = Tb x Kt x Kbm x Kvs x Ko x Km x Ks x Kp x Kn, where:

JV	Cost of OSAGO policy
TB	Basic tariff
CT	Preferential use territory coefficient
KBM	Coefficient of presence or absence of insurance payments
Kvs	Driver age and experience coefficient
Co.	Restriction coefficient for persons admitted to management
Km	Vehicle power factor
KS	Seasonal vehicle use coefficient
KP	Coefficient taking into account the insurance period
Kn	Insurance rate coefficient (gross violations)

As an example, let's calculate the cost of an MTPL policy for a driver with no driving experience, under 22 years of age, using a passenger vehicle in Moscow, up to 100 hp. So: we will do the calculation using the formula, substituting the values.

SP = Tb x Kt x Kbm x Kvs x Ko x Km x Ks x Kp x Kn

7840.80 = 1980 x 2 x 1 x 1.8 x 1 x 1.1 x 1

The coefficients Kp and Kn are not applied in this case, because how Kp is applied in strictly defined cases, and Kn is currently not yet put into effect.

You will find all the values of the coefficients used in the calculation below on this page.

Basic Tariff (Tb)

Determined by the owner of the vehicle (individual or legal entity)

Determined by vehicle category (in the PTS or in the vehicle registration certificate)

Territorial Use Coefficient (Kt)

Place of residence (location) of the owner of the vehicle	Coefficient (Kt) for vehicles, with the exception of tractors, self-propelled road-building and other machines and trailers for them
Moscow	2
Saint Petersburg	1,8
Other cities and towns	according to the Decree of the Government of the Russian Federation No. 574 of July 13, 2011 “Insurance tariffs of OSAGO”

NOTE:

The coefficient is determined by the place of residence (permanent registration) of the OWNER of the vehicle, indicated in the citizen’s passport (for individuals), and by the place of registration of the vehicle (for legal entities); CT does not apply to civil liability insurance of vehicle owners for the period of travel to the place of registration.

Bonus-Malus coefficient (Kbm)

Class at the beginning of the annual insurance period	Coefficient value (kbm)	Class at the end of the annual insurance period, after N insurance payments
Insurance payments	1 Insurance payments	2 Insurance payments	3 Insurance payments	4+ Insurance benefits
M	2,45	M	M	M	M
2,3	1	M	M	M	M
1	1,55	2	M	M	M	M
2	1,4	3	1	M	M	M
3	1	4	1	M	M	M
4	0,95	5	2	1	M	M
5	0,9	6	3	1	M	M
6	0,85	7	4	2	M	M
7	0,8	8	4	2	M	M
8	0,75	9	5	2	M	M
9	0,7	10	5	2	1	M
10	0,65	11	6	3	1	M
11	0,6	12	6	3	1	M
12	0,55	13	6	3	1	M
13	0,5	13	7	3	1	M

NOTE:

For newly acquired KBM licenses, 3 classes are established. When extending the contract, the KBM decreases with trouble-free driving. For example, if you insured your car with a value of Kbm = 1, then if you drive without an accident, next year you will be insured with Kbm = 0.95.

But if you have committed 1 accident due to your fault and have received 1 insurance payment, then for the next year an increasing Kbm = 1.55 will be applied to you (see above in table 3, column 4), with 2 or more insurance payments to you will apply the maximum Kbm.

KBM DOES NOT APPLY for insurance:

Trailers;
Vehicles registered in foreign countries;
Vehicles when traveling to the registration location.

Coefficient of age and experience of drivers (Kvs)

Age and experience of the driver allowed to drive	Coefficient value (KVS)
Age up to 22 years inclusive, work experience up to 3 years inclusive	1,8
Age over 22 years, work experience up to 3 years inclusive	1,7
Age up to 22 years inclusive, work experience over 3 years	1,6
Age over 22 years, experience over 3 years	1

NOTE:

KVS applies if both the Owner and the Policyholder are individuals:
Kvs is determined for EVERY vehicle allowed to drive, while the value of the coefficient is set for the most inexperienced driver;
Kvs does NOT apply if KO = 1.8

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

What is the territorial CT coefficient in OSAGO

The regional OSAGO coefficient for 2021 depends on the place of registration of the vehicle. When determining it, the following rule applies: with an increase in the population of the city and the region in which the car is registered, the multiplier increases.

The dependence is influenced by the number of vehicles that are concentrated in one area. This is logical - with an increase in the number of cars on the roads, the likelihood of traffic accidents increases.

For example, one of the largest multipliers is set for Moscow, it is 2. And in small villages it can be 0.55.

As you can see, the indicator has a great influence on the final value.

Many drivers want to get the minimum OSAGO coefficient by region in 2021. To do this, you need to register the car in the name of relatives who live in the corresponding region, or register in it yourself.

Of course, these actions involve paperwork. On the other hand, if you reduce the indicator from 2 to 0.55, this will reduce the cost of insurance by almost 4 (!) times.

Over the course of several years of purchasing a policy, such efforts are more than justified.

The table of territorial OSAGO coefficients for 2021 is the same for all Russian insurers. The organization does not have the right to change the multiplier at will. Therefore, the cost of services does not depend on it. Therefore, when choosing an insurance company, it is best to focus on reliability, and not on the territorial OSAGO coefficient.

How can engine power affect cost?

The lower the engine power of the registered vehicle, the lower the engine power factor will be, briefly referred to as KM.

The power of the vehicle is determined according to the passport or certificate. Sometimes in documents power is written in kilowatts. To calculate the coefficient, “horsepower” is taken.

Recalculation is carried out according to the formula one kilowatt is equal to one point and 35962 ten thousandths of horsepower.