How the KASKO price is calculated

KASKO (voluntary car hull insurance covering damage and theft) is priced as a percentage of the car value. We took the base rate from the published tariffs of Insight Insurance: for a car worth RUB 1–2 million in its first year it is 3.85% a year, for cheaper cars under RUB 500,000 it is 7.65%, and for cars over RUB 5 million 2.73%. The older the car, the higher the rate: by the tenth year it grows about 1.6 times. We derived the age adjustment from the same table, so the result may differ from the exact tariff cell by up to 11%.

What drives the price

  • Coverage. Full KASKO — factor 1; damage only without theft — 0.76; KASKO "until the first claim" — 0.35; "total loss" (write-off and theft) — 0.25.
  • Deductible. According to Sravni, it reduces the price by 20–50%; the estimate uses the midpoint, 35%.
  • Region. The factor is the ratio of the average KASKO rate in the region to the Russian average according to the Bank of Russia for 2025 (the national average is 1.57% of the sum insured).
  • Switching from another company — a 10% discount under the same tariffs.
  • Drivers. Age, driving experience and the number of drivers strongly affect the price, but insurers' public tariffs do not give specific values for these factors, so the calculator does not include them.

Why companies differ

The company coefficient is the ratio of its average premium per KASKO policy to the market average (RUB 31,486) according to Bank of Russia statistics for 2025. It reflects both the tariff level and the portfolio mix: companies selling many limited policies have lower values. If data are scarce or the ratio falls outside 0.5–2.0, we show "price on request".

Preliminary estimate

Example: a RUB 1.5 million car, 3 years old, full KASKO without a deductible, a region with the average rate — 1,500,000 × 3.85% × 1.063 ≈ RUB 61,400 a year. With a deductible — about RUB 39,900. For comparison, the average premium per KASKO policy sold to individuals in 2025 was RUB 21,682 (including limited programmes), and the average policy on Sravni was RUB 37,475.

This is an indicative estimate, not an offer. The insurer will quote the exact price after inspecting the car and assessing the drivers. Learn more on the KASKO page and see insurers in the insurance companies section. To get quotes, submit a request.

Sources

Bank of Russia: statistics by insurer and by region for 2025; Insight Insurance: base tariff rates for land vehicle insurance; Sravni: KASKO price review for 2025–2026.