OSAGO coefficients. OSAGO territory coefficient. OSAGO coefficient by regions

2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37

From April 1, 2015, regional coefficients for autocitizenship were introduced in Russia, and two weeks later, the base ones were changed. Tariffs increased by 40%. How much will drivers now have to pay for an OSAGO policy?

Legislative changes

Currency devaluation, an increase in the maximum payout limit, unprofitability of the motor vehicle insurance segment in the insurance market - all these reasons led to an increase in tariffs and an expansion of the payment corridor in 2015.

The OSAGO territory coefficient has been increased for 11 regions of the Russian Federation and reduced for the same number. The maximum growth of 25% is provided for Chuvashia, Voronezh, Kurgan regions. In the Magadan region, tariffs will be reduced by 41%. In Dagestan, Tuva, Ingushetia, Chechnya and the Leningrad Region, the OSAGO coefficient by region has decreased.

The calculations were carried out by experts from Moscow State University. According to the data received, in some regions it was necessary to increase the tariff for public transport by more than 400%. The real change was 100%. The market has been waiting for an adequate increase in tariffs for several years. The PCA believes that now it will be possible to achieveimproving the quality of protection and balancing interests.

In addition, a new system has been introduced to receive a quick payment for the very fact of causing damage to the life and he alth of the victim. Previously, all calculations were made after treatment, based on the receipts provided. Compensation can now be received not only by the dependents of the victim, but also by his immediate family.

Pricing

The cost of the policy consists of tariffs and special indicators. OSAGO coefficients are legally established by the state. Insurance companies cannot change them on their own. At the end of 2014, the regulator raised the maximum amount of payments for auto insurance to 400 thousand rubles, and in order for companies not to suffer losses, it increased tariffs by an average of 50%.

How the cost is calculated

The formula is quite simple: OSAGO insurance coefficients are multiplied with the base rate. But both values depend on a number of factors: the driver's experience, the region where the car is located, the condition of the vehicle, etc. The usual calculation formula looks like this:

Policy=BT x CT x BM x FAC x OK x KM x S x KN x P, where:

• BT - base rate.
• CT - territorial coefficient of OSAGO.
• FAC - an indicator of age / experience.
• BM - bonus malus.
• OK - limiting indicator.
• KM - engine power.
• S - seasonality.
• KN - coefficient of violations.
• P - indicator of the term of insurance.

The most expensive policy will cost young people who drive powerfulcars in major cities. The cost of experienced drivers with more than 10 years of accident-free driving experience will be minimal.

Basic fare

The cost of an OSAGO policy varies by region. For each type of transport, depending on the number of seats and tonnage, its own tariff is set. For owners of cars, it is divided by belonging to an individual or legal entity. It has not changed since 2004. For contracts concluded after April 1, 2015, the following coefficients of OSAGO insurance rates will be used:

Motorcycles and scooters - 1507 rubles

Cars:

• legal entities - 2945 rubles;
• individuals, individual entrepreneurs - 2455 rubles

Cars used as taxis - RUB 3677

Trucks:

• with a maximum permitted weight of 16 tons - 2511 rubles;
• more than 16 tons - 4018 rubles

Buses:

• with 20 passenger seats - RUB 2009;
• with 21 seats or more - 2511 rubles;
• taxi - RUB 3677

Trolleybuses - RUB 2009

Trams - RUB 1252

Tractors - RUB 1507

Territorial indicator

This factor can greatly affect the calculations. It depends on the territory of primary operation of the vehicle. If the contract is drawn up for an individual, then the place of registration of the car is used, and for entrepreneurs - the place of state registration of the organization.

The biggestOSAGO territory coefficient is used in megacities with active traffic and high concentration of accidents (Kazan, Perm, Yakutsk, Chelyabinsk). For powerful cars, high rates are additionally calculated. Therefore, it is better for vehicle owners to register an SUV or a truck for a relative living in the region. The new OSAGO coefficients for 2015 are presented in the table below. For 11 districts, the indicators were increased, and for the rest they were reduced. In Moscow, the value of the indicator remained the same.

Region	OSAGO - new odds
Leningrad Region, Kamchatka Territory, Adygea	1, 3
Tuva Republic, Chechen Republic, Jewish Autonomous Region, Baikonur	0, 6
Zabaikalsky Krai, Magadan region, Dagestan	0, 6-0, 7
Ingushetia	0, 6-0, 8
Republic of Sakha	0, 6-1, 2
Murmansk Region	1, 2-2, 1
Mordovia	0, 8-1, 5
Amur Region	1-1, 6
Voronezh Region	0, 5-1, 1
Ulyanovsk region	0, 9-1, 5
Chuvashia	0, 8-1, 7
Kurgan region	0, 6-1, 4
Chelyabinsk Region	1-2, 1
Republic of Mari El	0, 7-1

Bonus malus

Otherwise, this figure is called a discount for accident-free driving. It can significantly affect the cost of the policy. This coefficient is assigned on the basis of data on the presence / absence of payments to a specific driver, and not to a car. So the replacement of the vehicle or the insurance company does not affect the change in this indicator. The class is updated after a year from the date of conclusion of the contract. OSAGO coefficients are calculated according to the data of previous policies, if the break between contracts was no more than 12 months. Otherwise, the base third class is assigned to the car owner.

Nuances

If over the past period the driver has become the culprit of the accident, then increased OSAGO coefficients are applied to him. The new policy will cost 50% more. For an accident-free year, the client receives a 5% discount. If the policy is issued for the first time, then the value of the indicator is 1. The maximum discount is 50%. If several drivers are included in the policy (for example, a father draws up documents for his son), and one of them has recently received a license, then the indicator is calculated at the minimum rate. Thus, the cost of the OSAGO policy changes.

New BM coefficients determine the class of the driver. If, for example, a person had a 5th grade withwith an indicator value of 0, 9, and then an accident occurred due to his fault, then next year the discount will drop to 5%, and the rating will drop to 3. If the next 12 months pass without an accident, then a higher level 6 awaits the driver.

Getting information

Bonus malus is formed based on the history of insured events. To track them, a special SAR database was created in 2013. Each insurer submits data to the regulator within 15 days after signing the contract.

Age/experience

The more experience the driver has accumulated, the lower the value of this indicator will be. But there are two important numbers: the age of the driver (22 years) and 36 months of driving. In this case, the value of the indicator will be the highest - 1, 8. If there are several drivers, then the maximum value of the indicator is taken into account.

Limiting coefficients for OSAGO (2014)

You can add more than one driver to the insurance. If they are indicated in the policy by name, then their number (2 or 5) does not matter. This will not change the ratio. But if the driver cannot say exactly who else will use the car, but admits such a possibility, then the value 1, 8 is applied.

Seasonality

Many drivers use the vehicle only in the summer and leave it in the garage for the winter. Or operate the car during long business trips. In such cases, a seasonal policy is issued for any period of 3 months. The value of the indicator, equal to one, starts from 10 months of operation. With a shorterterm, you can count on a small discount.

Violation rate

It is used in these cases:

• providing false information;
• drunk driving;
• deliberately causing an accident;
• leaving the scene;
• being behind the wheel of a person not included in the policy.

Indicators of insurance period and engine power

The first one ranges from 0, 2 to 1 and is used only for foreigners or if the car is in transit. Engine power can be viewed in the PTS. This ratio is calculated based on horsepower. If the documents indicate kilowatts, then the conversion takes place as follows: 1 kW=1.359 liters. s.

Trailer vehicles

There is no separate tariff for such vehicles now. But a special coefficient has been developed, which depends on the type of trailer: from 1.15 to 1.45.

From a clean slate

Insurance history starts on a person who has the right and manages the vehicle. But the data is reset if within 12 months the driver has not been entered into any OSAGO policy. Example: a non-owner of the vehicle may ask the owner of the car to conclude an agreement without indicating the persons admitted to driving. After 12 months, his history will be reset to zero, it will be possible to independently sign the policy. Vehicle owners will first have to re-register documents for a relative, and then drive by proxy.

Other changes

Ability to concludethere is no longer a contract for a period of less than one year. Such a need may arise, for example, if a car is purchased in one region, and the driver wants to register it in another. Previously, for such purposes, a policy was bought for several days. Now such insurance can be issued only for foreign cars. Therefore, the warriors can only conclude seasonal contracts. A 15% discount is provided for vehicle owners using LPG equipment.

Basic cost of policies in major Russian cities

For example, let's take the maximum tariff data for a driver of 23 years old with more than three years of driving experience, who has a car with an engine capacity of 70-100 hp. s.

City	Old price (RUB)	New price (RUB)
Vladivostok	3964	6342
Khabarovsk	4814	7701
Irkutsk	4814	7701
Krasnoyarsk	5097	8154
Novosibirsk	4814	7701
Yekaterinburg	5097	8154
Chelyabinsk	5663	9513
Moscow	5663	9060
Krasnodar	5097	8154

Conclusion

In April 2015, the Bank of Russia changed the OSAGO coefficient by regions and basic tariffs. Innovations will be justified by the growth of the maximum amount of payments and the economic crisis in the country. In general, the growth of tariffs amounted to 40-60%. The coefficients of territorial belonging changed only in 11 regions. Base tariffs have also not increased in all areas. There is a new coefficient for cars with a trailer. You can get insurance for several months for vehicles registered in the Russian Federation only seasonally.