Two years back, OSAGO pricing shifted to an individual framework—different for each of the country’s roughly 40 million drivers. Premiums for the same driver can vary from one insurer to another, and since September 13, the OSAGO tariff corridor has swung by as much as 26 percent up or down.
Does that mean a personal policy will always rise in price? Let’s take a closer look.
How does the tariff corridor function?
The final cost of an OSAGO policy for a typical car owner is calculated according to a formula mandated by federal OSAGO legislation.
OSAGO = TB × KT × KBM × KVS × KO × KS × KM
- TB — base rate (the tariff corridor centers on this parameter)
- CT — territory coefficient, tied to the vehicle owner’s registration region
- KBM — no-claims discount (bonus-malus)
- FAC — coefficient reflecting the driver’s age and experience
- KO — driver restriction parameter
- KS — seasonal coefficient, based on how the car is used during the year
- KM — vehicle power factor
Among these, the base rate is the primary driver of the final OSAGO price. Insurers set this rate for each driver within the limits defined by the Central Bank of the Russian Federation. Those limits are what the tariff corridor outlines.
Under the current rules, the base rate falls within a range from 1646 to 7535 rubles. The question often asked is how much a personal policy will cost within that band.
Consider a concrete example with the following coefficients: CT = 1.8; KBM = 0.46; FAC = 0.91; KO = 1; KS = 1; KM = 1.4.
Multiplying these together yields 1.06. This factor determines how the base rate limits translate into a specific price for an OSAGO policy for the person sharing this example. In practical terms, the minimum policy price would be about 1745 rubles and the maximum around 7987 rubles.
Last year the author purchased an OSAGO policy for 5,000 rubles, placing the actual cost in the middle of the individualized rate corridor. When looking at typical averages across the country, around 6,000 rubles per year is a reasonable expectation for many drivers, though individual quotes can vary widely.
How to save when buying OSAGO?
Today, every insurer determines a policy price on an individual basis. The resulting quotes can differ significantly from one company to another.
- Shop around by comparing offers from multiple insurers. This helps identify policies that balance price with the desired coverage quality for the driver.
- Be ready to switch insurers if a better rate becomes available.
The market for OSAGO showcases a broad price range. A familiar example involved a small taxi fleet that managed to secure policies for its vehicles at roughly a third of the prior cost by exploring new options—much like one searches for better prices on electronics or household goods.
- Online marketplaces now aggregate quotes from numerous OSAGO providers. They allow drivers to compare offers and pick the one that suits them best.
In practice, the writer recently followed this approach—entering basic details, reviewing the best matches, and completing online payment in a single click from anywhere in the country. The process is designed to be straightforward, efficient, and affordable.
- For readers curious about post-accident car restoration, a case study detailing how a Citroën was repaired after a mishap is discussed elsewhere, with similar insights available through other channels.