Translation. Region: Russian Federation –
Source: Central Bank of Russia
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From December 9, 2025, the tariff corridor for compulsory motor vehicle liability insurance (OSAGO) will be expanded by 15% in both directions for all types of transport, except for motorcycles, for which the limits will be shifted by 40%. This is provided for indication Bank of Russia.
For ordinary car owners who insure their personal cars, the rate corridor has remained unchanged for over three years (since September 2022). During this time, the average OSAGO insurance premium has increased by 1.5 times. In the first nine months of 2025 alone, it increased by 16% compared to the same period last year. Meanwhile, the average OSAGO policy price for January–September of this year, by contrast, decreased by 4%.
The regulator's directive also updates the territorial coefficient (TC) values. It is being reduced for 20 territories and increased for 28. Among the latter, the largest TC increase (doubling) is envisaged for five territories in the Novosibirsk Region and three territories in the Republic of Ingushetia. In these two regions, for the past five years is preservedhigh level of risk of unfair actions in compulsory motor third party liability insurance.
Tariff adjustments will allow insurers to offer policies at fair prices that more accurately reflect drivers' risks.
Preview photo: Kirill Kukhmar / TASS
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