The principle of operation of the calculator on the official website of RSA www.autoins.ru
The principle of operation of the calculator is estimation and multiplication of coefficients. All values are set by the Russian Government. If the coefficients for a particular driver are the same for all insurance companies, then the base rate is determined by auto insurers independently, but within the price corridor.
Expert opinion
Valery Volkov
Insurance expert and auto lawyer
OSAGO calculator
Since the beginning of this year, the range of basic tariffs has expanded. This means that prices for compulsory motor third party liability insurance (MTPL) from different insurance organizations will differ more. The MTPL calculator on the RSA website will perform calculations in accordance with the changes introduced.
Accurate calculation of compulsory motor liability insurance for insurance companies
Go to the express calculator
With a minimum base rate of RUB 27,466.11.
With a maximum base rate of RUB 27,466.11.
What is the base rate? This is an amount in rubles, which is multiplied by coefficients determined by the insurance parameters (for example, the region of registration of the owner, the power of the vehicle, motor vehicle, etc.) and the cost of the MTPL policy is obtained. Each insurance company chooses the base rate at its own discretion from the range permitted by the Central Bank of the Russian Federation and specified in Federal Law No. 40 “On Compulsory Motor Liability Insurance”.
Make accurate calculations for insurance companies
This is a complete MTPL calculator with the latest changes from September 7, 2021. These rates are also valid in 2021.
One of the advantages of the OSAGO calculator is the transparency of the insurance system and the ability of the car owner to calculate the price in advance
Online calculation using the OSAGO calculator has a number of advantages compared to independent calculations. These include:
Description of calculating OSAGO online using the RSA calculator
Formula for calculating insurance
Base rate x power factor of the car engine x indicator of seasonality of car use x accident rate x indicator of place of residence x value of age and length of service x indicator of the number of drivers x violation rate.
The presence of a trailer on the vehicle is also taken into account
Step-by-step instruction
To calculate OSAGO RSA, enter information about the car. First of all, you need to indicate the status of the owner of the vehicle: an individual or an organization.
Then provide your car registration details. Is it registered in Russia or abroad, or is it moving towards the place of registration?
Select the type of vehicle: car, truck, bus, taxi, tractor, tram, trolleybus, motorcycle, moped, ATV or other. If the car has a trailer, then this is also taken into account when calculating the cost of OSAGO RSA.
Enter the engine power.
Next, enter information about the planned period of use of the machine. Only the total number of months will be taken into account.
The maximum term of the insurance contract is always 1 year .
The next step is choosing the KBM class. A beginner is always assigned class 3. The value increases or decreases depending on the fact of insured events in previous periods.
The value of your KBM
Fill in the information regarding the owner of the vehicle: place of residence, presence or absence of violations of the previous policy.
In order to correctly calculate the cost of compulsory motor liability insurance on the RSA page online, be sure to check who is allowed to drive the car. If the type of insurance is unlimited, then check this box. If the policy is purchased with a restriction, then you will need to indicate information about all admitted people: the age and length of service of each person.
After correctly filling out all the required fields, the system performs the calculation.
OSAGO calculator online
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 an MTPL policy on 05/31/2021, you do not need to visit the insurance office - just fill out the form provided online. 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.
Insurance coefficients for calculating compulsory motor liability insurance
Vehicle engine power
The more horsepower a vehicle has, the higher the ratio. The lowest indicator is for cars with an engine power of up to 50 hp, and over 150 hp. – the value becomes maximum.
Region in which the policyholder is registered
The region where the driver is registered plays an important role and is taken into account when calculating the cost of the contract. In those areas where, according to statistics, the most traffic accidents occur, the coefficient will be higher.
Expert opinion
Valery Volkov
Insurance expert and auto lawyer
OSAGO calculator
For example, in Moscow, Kazan, Perm and Chelyabinsk the coefficient is 2 . In Volgograd it is reduced to 1.3 , in Yekaterinburg and Krasnoyarsk it is 1.8 . Values for other cities and regions can be found on this page.
Driving experience
The older the driver and the longer his driving experience, the lower the coefficient will be.
Thus, a novice driver between the ages of 16 and 21 will have a maximum FAC, unlike a car enthusiast who is over 59 and has been driving for more than 14 years.
Number of drivers
Indicator of the number of drivers. It means that if the contract has an unlimited number of admitted people, then the system will apply a coefficient of 1.87. In this case, the age and experience of drivers will not matter at all.
When insuring with a certain number of people, the indicator will be calculated taking into account the data of each driver.
Insurance period
The cost of insurance increases as the period of use of the car increases. If you are going to use the car only for a few months a year, then the coefficient will be reducing.
Gross violations by the insured person
This means that if you violated a previous MTPL agreement, your insurance may increase by 1.5 times.
KBM
It is calculated for each driver individually, taking into account accident-free driving over the past period.
From April 1, 2021, the coefficient is determined once a year and is valid until the end of the term (from April 1 to March 31). The KBM is entered into the general database of insurance companies and does not change when choosing another organization for issuing policies.
Why is it necessary to check the status of the payment case?
The decision on the payment case can be either positive or negative. If the union employee sees no reason for refusing to pay a person injured in a traffic accident, the compensation will be credited immediately to the specified bank account.
The payment will be made from the union fund. What is it formed from? From contributions from organizations for processing insurance contracts. The company pays a percentage for each policy sold.
Expert opinion
Valery Volkov
Insurance expert and auto lawyer
OSAGO calculator
The transfer must be timely, otherwise the organization will have to pay penalties in addition to the principal amount. For each day overdue, 1% is charged.
But it may also happen that RSA takes the side of the insurance organization. In this case, the employee will support his decision with specific regulations or provisions of the compulsory insurance contract. The driver may not agree with this decision and then he has the right to file a claim in court.
In order not to delay the process, it is important to periodically check the status of the RSA payment case.
In what cases are compensation most often denied?
- The car was driven by a person who was not included in the insurance;
- The application for payment was not submitted on time;
- The person driving the car was under the influence of alcohol or drugs;
- The driver has been deprived of his driver's license;
- The insurance contract has expired;
- The accident was caused by a novice driving a training car;
- The traffic accident occurred as a result of testing the vehicle;
- An accident happened at a race;
- The driver was on duty and had individual insurance;
- The insured event was deliberately arranged and this has been proven.
How to calculate the cost of compulsory motor liability insurance for a trailer for a passenger car for an individual
To calculate the cost of an MTPL policy, the presence or absence of a trailer must be indicated on the PCA page. But in what specific cases is it necessary to draw up a separate agreement? How does a trailer affect the price of insurance?
According to the traffic rules, a trailer intended for trucks is subject to compulsory insurance, regardless of whether the owner is an individual or a legal entity.
Organizations are required to register a trailer hitch for all types of vehicles.
But as for individuals using a trailer for passenger cars, there is no need to draw up an insurance contract. But this is only if the vehicle weight is less than 750 kg. And the total weight with the trailer is no more than 3500 kg.
An insurance contract for a trailer does not need to be drawn up for private individuals only on the territory of the Russian Federation. A policy will be required if you plan to travel outside the country.
What does “The cost is calculated taking into account the maximum allowable insurance premium” mean?
The law of the Russian Federation regarding compulsory motor liability insurance also establishes the maximum possible policy level. It cannot be higher than three times the base rate multiplied by the place of residence. In case of violation of the terms of the previous policy, the maximum cost is determined by five times the tariff multiplied by CT.
When you see a phrase on your screen about the maximum allowable cost, it means that it was even higher, but in accordance with the rules, the calculator reduced it to the maximum allowable values.
