Insurance required by law

OSAGO Calculator 2026

Policy price based on the Bank of Russia formula and insurers' published base rates.

Calculation parameters

OSAGO (compulsory motor liability insurance)

Vehicle type Category as shown in the vehicle registration certificate. Each category has its own base rate (TB) corridor; the calculator scales the price in proportion to the minimum of that corridor. Owner's place of residence (KT) KT is based on the owner's registered address in the passport. If your town is not listed, choose "other towns and settlements" for your region; settlements administratively subordinate to a city use that city's KT. KBM class (bonus-malus) The class depends on the number of at-fault claims paid from 1 April of the previous year to 31 March of the current year; the insurer takes it from the insurance information system (AIS). No record means class 3. An unlimited-driver policy always uses class 3. Driver age and experience (KVS) If there are several drivers, choose the youngest and least experienced one: the highest KVS applies. The Bank of Russia sets a separate KVS table for motorcycles; this calculator uses the table for cars, so a motorcycle quote is approximate. Who may drive (KO) KO 3.16 applies to an individual owner whose policy allows any driver. With a named-driver list, KO = 1. Engine power (KM) Power as stated in the registration certificate or vehicle passport. KM does not apply to trucks and buses. Period of use (KS) How many months a year the policy covers. The shortest period in the table is 3 months.

Estimate based on published average premiums and rating factors. Fields marked with an asterisk are required.

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How the OSAGO price is calculated in 2026

OSAGO (compulsory motor third-party liability insurance) tariffs are set by the Bank of Russia. Since 9 December 2025, Bank of Russia Directive No. 7204-U applies (as amended by Directive No. 7349-U of 4 May 2026). For cars, taxis and motorcycles, the premium is calculated as follows:

Premium = TB × KT × KBM × KVS × KO × KM × KS

For trucks and buses the formula is the same, but without the engine power coefficient KM.

What the coefficients mean

TB is the base rate. The Bank of Russia only sets a corridor: for cars owned by individuals and sole proprietors, from RUB 1,399 to RUB 8,665; for taxis, from RUB 1,267 to RUB 18,119; for motorcycles, from RUB 155 to RUB 4,260. Each insurance company chooses its own rate within the corridor according to its methodology and publishes it on its website.
KT is the territory coefficient, based on the owner's registered address in the passport. It ranges from 0.68 to 2.34: 1.8 in Moscow, 1.64 in Saint Petersburg and 2.34 in Novosibirsk.
KBM is the bonus-malus coefficient for the claims record: from 0.46 (class 13) to 3.92 (class M). A driver with no record in the insurance information system (AIS) gets class 3, KBM 1.17.
KVS reflects age and driving experience: from 0.83 (over 59, 15+ years of experience) to 2.27 (age 18–21, less than a year of experience). If there are several drivers, the highest KVS applies.
KO covers who may drive: 1 for a named-driver policy and 3.16 for an unlimited-driver policy of an individual owner. In such a policy KVS does not apply and KBM is taken at class 3.
KM is the engine power coefficient: from 0.6 (up to 50 hp) to 1.6 (over 150 hp) for cars, and from 1 to 1.66 for motorcycles.
KS is the period of use: from 0.5 for 3 months to 1 for more than 9 months a year.

How the Polis Re calculator works

Choose the vehicle type, city, KBM class, driver age and experience, who may drive, engine power and period of use. The calculator multiplies the coefficients from the Directive and shows the price at insurance companies that have published their base rates.

For each company we take the midpoint of its published TB range for cars owned by individuals. If we could not find a company's rates, the price is shown as "on request". For taxis, motorcycles, trucks and buses, the rate is scaled in proportion to the minimum of that category's corridor.

The estimate is preliminary

Each insurer chooses its TB within the corridor according to its own methodology, so the final price may differ from the estimate. The insurance company will quote the exact price when you buy the policy: it checks your KBM and driving experience in the AIS. The policy is issued by the insurance company; Polis Re helps you compare the terms.

What the policy covers

OSAGO limits are RUB 400,000 for property damage and RUB 500,000 for death or injury, per victim. Under the European accident report (europrotokol, filed without the police), you can receive up to RUB 100,000, or up to RUB 400,000 if the accident is recorded via Gosuslugi Avto or the DTP.Europrotokol app.

Learn more about the policy on the OSAGO page, about the rules in the Laws section, about what to do after an accident in the Insured event section, and about terms in the glossary. Compare insurers in the insurance company directory, and protect your own car with the KASKO calculator.

Before choosing a policy

Price is part of the decision.

Check the coverage and claim terms with a specialist.

01Covered events and territory

02Limits, deductible and exclusions

03Payment terms and what to do when an event occurs

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