Comparison of basic MTPL rates by regions of Russia

Comparison of basic MTPL rates by regions of Russia

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The cost of compulsory motor liability insurance in different insurance companies depends on the base rate set by the Central Bank, on the criteria of a particular client, that is, the policyholder, and on the policy of the organization itself. Every year it is subject to change, and in 2021 its boundaries have become wider by 20%, both up and down, and the size of individual coefficients has been revised, on the basis of which compulsory motor liability insurance is calculated in 2021. So, what is the base rate set in certain regions of Russia, and what affects the final cost of the MTPL policy?

OSAGO insurance rates

From 2021, the cost of compulsory motor liability insurance will be calculated according to new rates. Moreover, the changes affected not only passenger cars, but all types of transport. The new values ​​are reflected in the Central Bank Regulations on OSAGO 2021. It is worth noting that compared to the previous year, the base rate threshold expanded by 20% in both directions, both higher and lower. Insurance companies are not allowed to go beyond the established limits regarding the base rate. However, the company’s management decides whether to include the smallest or largest value in the formula at its own discretion, based on the working policy and client base.

Vehicle type	Minimum bet size	Maximum bet size
Motorcycles, mopeds categories “A”, “M”	694	1407
Passenger car of categories “B” and “BE”	2746	4942
A passenger car registered to a legal entity of categories “B” and “BE”	2058	2911
Passenger car for taxi category “B” and “BE”	4110	7399
Truck, category “C”, weighing up to 16 tons	2807	5053
Category “C” truck, weighing more than 16 tons	4227	7609
Bus, category “D”, “DE”, where the number of passenger seats is no more than 16	2246	4044
Bus, category “D”, “DE”, where the number of passenger seats exceeds 16	2807	5053
Bus, category “D”, “DE”, intended for passenger transportation	4110	7399
Trolleybuses	2246	4044
Trams	1401	2521
Tractors and other road construction equipment	899	1895

After adjustments are made to the base MTPL rate each year, each insurance company is required to choose the optimal value for calculations and report to the Central Bank and RSA (Russian Union of Auto Insurers). Moreover, she has no right to subsequently change its size without notice.

If we evaluate the presented indicators in the table in comparison with the previous year, we can note that for owners of passenger cars, instead of 3,432 rubles, the lower threshold is now 2,746 rubles. But at the same time, the maximum threshold also increased to 4,942 rubles. The same applies to values ​​for other vehicles. But all records for the cost of compulsory motor liability insurance are broken by cars that are used for taxi purposes.

Features of service provision in 2021

Recently, serious innovations have appeared, which were also influenced by the coronavirus epidemic:

• the owner of a car involved in an accident is obliged to inform the insurance service of the location of the technical examination if he plans to do the examination himself;
• calculators have appeared on the websites of insurance companies that allow you to calculate the cost;
• from March 1 to September 30, 2021, it was possible to obtain compulsory motor liability insurance without issuing a diagnostic card (DC) confirming the completion of a technical inspection. Now you need to diagnose the car and do a diagnostic test before October 31st.

Despite rumors about increasing fines for driving without compulsory motor insurance, the latter remain the same - from 500 to 800 rubles. With a discount for quick payment within 20 days, the fine will be 250 rubles, but you should understand that a frivolous attitude to the issue of insurance can lead to significant losses.

How is the cost of insurance determined?

The cost of MTPL insurance for 2021 can be found out in person by contacting the company’s office or calculated independently using an online calculator on the insurance company website. The calculations are based on the following basic indicators:

• region of registration (RT);
• type of vehicle;
• vehicle power (KM);
• how old is the driver and length of service (PIC);
• the number of drivers allowed to drive a vehicle;
• presence of accidents over the past period, driver reputation (KBM);
• number of violations (CN).

Every driver allowed to drive a vehicle must have an MTPL insurance policy. Lack of insurance entails administrative liability.

The peculiarity of using these criteria to calculate the cost of compulsory motor liability insurance is that if another driver is allowed to drive the vehicle, for example, you register your son or spouse, then all values ​​are recalculated to the highest coefficient, that is, the value of which will be greater, in order to maximize assume all the risks when driving a car with a less experienced driver.

If you want to independently calculate the cost of compulsory motor liability insurance or understand the principle of operation of the above indicators, then check out the formula:

Insurance price: BT * CT * KVS * KO * KM * KBM * KN, where

• BT – base rate;
• CT – regional (territorial) coefficient;
• KVS – age and experience of the driver – ranges from 1 to 1.7;
• KO - the number of persons allowed to drive a car;
• KM – car power (based on the number of horsepower);
• KBM – bonus-malus coefficient (discount or premium) depends on the driver’s reputation (accidents or accident-free driving);
• KN – coefficient of violations, if present, will be equal to 1.5.

This formula applies to calculations in all insurance companies and is regulated by the Regulations of the Central Bank. Its final value depends on the base MTPL rate set by each insurance company, based on the minimum or maximum threshold of the Central Bank for 2021, as well as taking into account the driver and car data. All of these coefficients help to approximately calculate the risk of an accident, and therefore the price of a compulsory motor liability insurance policy will be higher or lower.

Why change is needed

An insurance policy is one of the most frequently issued documents in the country, but the calculation system did not suit either buyers or suppliers. The changes introduced are an attempt to please both parties.

Before this, insurance companies complained about risks and losses, and people complained about fraud and poor quality services. Now supervision of compliance with the rules will become more closely, and conscientious clients will pay less for the policy, which is an undoubted positive change. Service providers benefit from the ability to control the price based on the specific driving history of an individual.

It does not yet seem realistic to make the price completely individual, but the first steps towards fair pricing have already been taken.

Base rate by region

Below is a table of each region of Russia with current base rates as of 2021 based on the latest changes in Regulation No. 5000-U of the Central Bank.

Region of use of the vehicle	Coefficient for vehicles other than tractors, self-propelled road construction and other machines	Coefficient for tractors, self-propelled road construction and other machines
Republic of Adygea	1.3	1
Altai Republic
Gorno-Altaisk	1.3	0.8
Other cities and towns	0.7	0.5
Republic of Bashkortostan
Blagoveshchensk, Oktyabrsky	1.2	0.8
Ishimbay, Kumertau, Salavat	1.1	0.8
Sterlitamak, Tuymazy	1.3	0.8
Ufa	1.8	1
Other cities and towns	1	0.8
The Republic of Buryatia
Ulan-Ude	1.3	0.8
Other cities and towns	0.6	0.5
The Republic of Dagestan
Buynaksk, Derbent, Kaspiysk, Makhachkala, Khasavyurt	0.7	0.5
Other cities and towns	0.6	0.5
The Republic of Ingushetia
Malgobek	0.8	0.5
Nazran	0.6	0.5
Other cities and towns	0.6	0.5
Kabardino-Balkarian Republic
Nalchik, Prokhladny	1	0.8
Other cities and towns	0.7	0.5
Republic of Kalmykia
Elista	1.3	0.8
Other cities and towns	0.6	0.5
Karachay-Cherkess Republic	1	0.8
Republic of Karelia
Petrozavodsk	1.3	0.8
Other cities and towns	0.8	0.5
Komi Republic
Syktyvkar	1.6	1
Ukhta	1.3	0.8
Other cities and towns	1	0.8
Republic of Crimea
Simferopol	0.6	0.6
Other cities and towns	0.6	0.6
Mari El Republic
Volzhsk	1	0.8
Yoshkar-Ola	1.4	0.8
Other cities and towns	0.7	0.5
The Republic of Mordovia
Ruzaevka	1.2	1
Saransk	1.5	1
Other cities and towns	0.8	0.6
The Republic of Sakha (Yakutia)
Neryungri	0.8	0.5
Yakutsk	1.2	0.7
Other cities and towns	0.6	0.5
Republic of North Ossetia-Alania
Vladikavkaz	1	0.8
Other cities and towns	0.8	0.5
Republic of Tatarstan
Almetyevsk, Zelenodolsk, Nizhnekamsk	1.3	0.8
Bugulma, Leninogorsk, Chistopol	1	0.8
Elabuga	1.2	0.8
Kazan	2	1.2
Naberezhnye Chelny	1.7	1
Other cities and towns	1.1	0.8
Tyva Republic
Kyzyl	0.6	0.5
Other cities and towns	0.6	0.5
Udmurt republic
Votkinsk	1.1	0.8
Glazov, Sarapul	1	0.8
Izhevsk	1.6	1
Other cities and towns	0.8	0.5
The Republic of Khakassia
Abakan, Sayanogorsk, Chernogorsk	1	0.8
Other cities and towns	0.6	0.5
Chechen Republic	0.6	0.5
Chuvash Republic
Kanash	1.1	0.8
Novocheboksarsk	1.2	0.8
Cheboksary	1.7	1
Other cities and towns	0.8	0.5
Altai region
Barnaul	1.7	1
Biysk	1.2	0.8
Zarinsk, Novoaltaisk, Rubtsovsk	1.1	0.8
Other cities and towns	0.7	0.5
Transbaikal region
Krasnokamensk	0.6	0.5
Chita	0.7	0.5
Other cities and towns	0.6	0.5
Kamchatka Krai
Petropavlovsk-Kamchatsky	1.3	1
Other cities and towns	1	0.6
Krasnodar region
Anapa, Gelendzhik	1.3	0.8
Armavir, Sochi, Tuapse	1.2	0.8
Belorechensk, Yeisk, Kropotkin, Krymsk, Kurganinsk, Labinsk, Slavyansk-on-Kuban, Timashevsk, Tikhoretsk	1.1	0.8
Krasnodar, Novorossiysk	1.8	1
Other cities and towns	1	0.8
Krasnoyarsk region
Achinsk, Zelenogorsk	1.1	0.8
Zheleznogorsk, Norilsk	1.3	0.8
Kansk, Lesosibirsk, Minusinsk, Nazarovo	1	0.8
Krasnoyarsk	1.8	1
Other cities and towns	0.9	0.5
Perm region
Berezniki, Krasnokamsk	1.3	0.8
Lysva, Tchaikovsky	1	0.8
Permian	2	1.2
Solikamsk	1.2	0.8
Other cities and towns	1.1	0.8
Primorsky Krai
Arsenyev, Artem, Nakhodka, Spassk-Dalniy, Ussuriysk	1	0.8
Vladivostok	1.4	1
Other cities and towns	0.7	0.5
Stavropol region
Budennovsk, Georgievsk, Essentuki, Mineralnye Vody, Nevinnomyssk, Pyatigorsk	1	0.8
Kislovodsk, Mikhailovsk, Stavropol	1.2	0.8
Other cities and towns	0.7	0.5
Khabarovsk region
Amursk	1	0.8
Komsomolsk-on-Amur	1.3	0.8
Khabarovsk	1.7	1
Other cities and towns	0.8	0.5
Amur region
Belogorsk, Svobodny	1.1	0.9
Blagoveshchensk	1.6	0.9
Other cities and towns	1	0.6
Arhangelsk region
Arkhangelsk	1.8	1
Kotlas	1.6	1
Severodvinsk	1.7	1
Other cities and towns	0.85	0.5
Astrakhan region
Astrakhan	1.4	1
Other cities and towns	0.8	0.5
Belgorod region
Belgorod	1.3	0.8
Gubkin, Stary Oskol	1	0.8
Other cities and towns	0.8	0.5
Bryansk region
Bryansk	1.5	1
Klintsy	1	0.8
Other cities and towns	0.7	0.5
Vladimir region
Vladimir	1.6	1
Gus-Khrustalny	1.1	0.8
Moore	1.2	0.8
Other cities and towns	1	0.8
Volgograd region
Volgograd	1.3	0.8
Volzhsky	1.1	0.8
Kamyshin, Mikhailovka	1	0.8
Other cities and towns	0.7	0.5
Vologda Region
Vologda	1.7	1
Cherepovets	1.8	1
Other cities and towns	0.9	0.5
Voronezh region
Borisoglebsk, Liski, Rossosh	1.1	0.9
Voronezh	1.5	1.1
Other cities and towns	0.8	0.6
Ivanovo region
Ivanovo	1.8	1
Kineshma	1.1	0.8
Shuya	1	0.8
Other cities and towns	0.9	0.5
Irkutsk region
Angarsk	1.2	0.8
Bratsk, Tulun, Ust-Ilimsk, Ust-Kut, Cheremkhovo	1	0.8
Irkutsk	1.7	1
Usolye-Sibirskoye	1.1	0.8
Shelekhov	1.3	0.8
Other cities and towns	0.8	0.5
Kaliningrad region
Kaliningrad	1.1	0.8
Other cities and towns	0.8	0.5
Kaluga region
Kaluga	1.2	0.8
Obninsk	1.3	0.8
Other cities and towns	0.9	0.5
Kemerovo region
Anzhero-Sudzhensk, Kiselevsk, Yurga	1.2	0.8
Belovo, Berezovsky, Mezhdurechensk, Osinniki, Prokopyevsk	1.3	0.8
Kemerovo	1.9	1
Novokuznetsk	1.8	1
Other cities and towns	1.1	0.8
Kirov region
Kirov	1.4	1
Kirovo-Chepetsk	1.2	0.8
Other cities and towns	0.8	0.5
Kostroma region
Kostroma	1.3	0.8
Other cities and towns	0.7	0.5
Kurgan region
Mound	1.4	0.8
Shadrinsk	1.1	0.8
Other cities and towns	0.6	0.5
Kursk region
Zheleznogorsk	1	0.8
Kursk	1.2	0.8
Other cities and towns	0.7	0.5
Leningrad region	1.3	0.8
Lipetsk region
Dace	1	0.8
Lipetsk	1.5	1
Other cities and towns	0.8	0.5
Magadan Region
Magadan	0.7	0.5
Other cities and towns	0.6	0.5
Moscow region	1.7	1
Murmansk region
Apatity, Monchegorsk	1.3	1
Murmansk	2.1	1.2
Severomorsk	1.6	1
Other cities and towns	1.2	1
Nizhny Novgorod Region
Arzamas, Vyksa, Sarov	1.1	0.8
Balakhna, Bor, Dzerzhinsk	1.3	0.8
Kstovo	1.2	0.8
Nizhny Novgorod	1.8	1
Other cities and towns	1	0.8
Novgorod region
Borovichi	1	0.8
Velikiy Novgorod	1.3	0.8
Other cities and towns	0.9	0.5
Novosibirsk region
Berdsk	1.3	0.8
Iskitim	1.2	0.8
Kuibyshev	1	0.8
Novosibirsk	1.7	1
Other cities and towns	0.9	0.5
Omsk region
Omsk	1.6	1
Other cities and towns	0.9	0.5
Orenburg region
Buguruslan, Buzuluk, Novotroitsk	1	0.8
Orenburg	1.7	1
Orsk	1.1	0.8
Other cities and towns	0.8	0.5
Oryol Region
Livny, Mtsensk	1	0.8
Eagle	1.2	0.8
Other cities and towns	0.7	0.5
Penza region
Zarechny	1.2	0.8
Kuznetsk	1	0.8
Penza	1.4	1
Other cities and towns	0.7	0.5
Pskov region
Velikie Luki	1	0.8
Pskov	1.2	0.8
Other cities and towns	0.7	0.5
Rostov region
Azov	1.2	0.8
Bataysk	1.3	0.8
Volgodonsk, Gukovo, Kamensk-Shakhtinsky, Novocherkassk, Novoshakhtinsk, Salsk, Taganrog	1	0.8
Rostov-on-Don	1.8	1
Mines	1.1	0.8
Other cities and towns	0.8	0.5
Ryazan Oblast
Ryazan	1.4	1
Other cities and towns	0.9	0.5
Samara Region
Novokuybyshevsk, Syzran	1.1	0.8
Samara	1.6	1
Tolyatti	1.5	1
Chapaevsk	1.2	0.8
Other cities and towns	0.9	0.5
Saratov region
Balakovo, Balashov, Volsk	1	0.8
Saratov	1.6	1
Engels	1.2	0.8
Other cities and towns	0.7	0.5
Sakhalin region
Yuzhno-Sakhalinsk	1.5	1
Other cities and towns	0.9	0.5
Sverdlovsk region
Asbest, Revda	1.1	0.8
Berezovsky, Verkhnyaya Pyshma, Novouralsk, Pervouralsk	1.3	0.8
Verkhnyaya Salda, Polevskoy	1.2	0.8
Ekaterinburg	1.8	1
Other cities and towns	1	0.8
Smolensk region
Vyazma, Roslavl, Safonovo, Yartsevo	1	0.8
Smolensk	1.2	0.8
Other cities and towns	0.7	0.5
Tambov Region
Michurinsk	1	0.8
Tambov	1.2	0.8
Other cities and towns	0.8	0.5
Tver region
Vyshny Volochek, Kimry, Rzhev	1	0.8
Tver	1.5	1
Other cities and towns	0.8	0.5
Tomsk region
Seversk	1.2	0.8
Tomsk	1.6	1
Other cities and towns	0.9	0.5
Tula region
Aleksin, Efremov, Novomoskovsk	1	0.8
Tula	1.5	1
Uzlovaya, Shchekino	1.2	0.8
Other cities and towns	0.9	0.5
Tyumen region
Tobolsk	1.3	0.8
Tyumen	2	1.2
Other cities and towns	1.1	0.8
Ulyanovsk region
Dimitrovgrad	1.2	0.9
Ulyanovsk	1.5	1.1
Other cities and towns	0.9	0.6
Chelyabinsk region
Zlatoust, Miass	1.4	0.8
Kopeisk	1.6	1
Magnitogorsk	1.8	1
Satka, Chebarkul	1.2	0.8
Chelyabinsk	2.1	1.3
Other cities and towns	1	0.8
Yaroslavl region
Yaroslavl	1.5	1
Other cities and towns	0.9	0.5
Moscow	2	1.2
Saint Petersburg	1.8	1
Sevastopol	0.6	0.6
Jewish Autonomous Region
Birobidzhan	0.6	0.5
Other cities and towns	0.6	0.5
Nenets Autonomous Okrug	0.8	0.5
Khanty-Mansiysk Autonomous Okrug - Ugra
Kogalym	1	0.8
Nefteyugansk, Nyagan	1.3	0.8
Surgut	2	1.2
Nizhnevartovsk	1.8	1
Khanty-Mansiysk	1.5	1
Other cities and towns	1.1	0.8
Chukotka Autonomous Okrug	0.6	0.5
Yamalo-Nenets Autonomous Okrug
New Urengoy	1	0.8
Noyabrsk	1.7	1
Other cities and towns	1.1	0.8
Baikonur	0.6	0.5

The coefficient for regions is designated CT and is included in the general formula when calculating the cost of compulsory motor liability insurance. It refers to the base variable and reduces or increases the rate depending on where you live or where your vehicle is registered. For legal entities, the basic value of the region will be determined based on the city where the company is registered according to the statutory documents. According to the data presented in the tables for 2021, it can be noted that the minimum values ​​apply to small cities where there is no oversaturation of cars, which means there is less risk of collision.

Thus, the higher the density of registered cars in the area, the higher the accident rate, which means the higher the base coefficient when calculating the cost of compulsory motor liability insurance. Each year, the indicators can be recalculated, depending on the increase in accidents, as well as the number of registered vehicles. The Central Bank is responsible for adjusting the coefficients. Based on the data presented, the maximum value is 2.1, which means that based on only one coefficient, the cost of compulsory motor liability insurance can increase 2 times, and the minimum is 0.6 for cars and trucks.