Translation. Region: Russian Federation –
Source: T-Bank –
An important disclaimer is at the bottom of this article.
What will change when calculating the price of compulsory motor third-party liability insurance?
According to the decision of the Bank of Russia, insurance rates for compulsory motor third-party liability insurance (OSAGO) will be updated starting in December.
There will be two main changes, which will affect owners of passenger cars who purchase mandatory auto insurance.
The tariff corridor—the range within which insurers will choose the base rate for each driver's compulsory motor third-party liability insurance—will be expanded. The minimum and maximum base rates will change.
The table compares rates for some categories of vehicles.
| Before the changes | From December 9, 2025 | |
|---|---|---|
| Passenger cars of individuals | 1,646—7,535 ₽ | 1,399—8,665 ₽ |
| Motorcycles | 259—3,043 ₽ | 155—4,260 ₽ |
| Passenger cars of legal entities | 852—5,722 ₽ | 724—6,580 ₽ |
| Taxi | 1,490—15,756 ₽ | 1,267—18,119 ₽ |
| Trucks with a maximum permitted weight of up to 16 tons | 930—11,921 ₽ | 791—13,709 ₽ |
The territorial coefficient (TC) values will change. This coefficient is used to calculate the cost of the policy and depends on the owner's place of registration. The TC is calculated based on regional characteristics, such as traffic complexity, accident frequency, road conditions, and climate.
In some cities and regions, the coefficient will be higher, for example in Birobidzhan, Derbent, Kyzyl, Magadan, Makhachkala, Neryungri, Novosibirsk, Ingushetia, and Chechnya.
The rate will decrease in other populated areas, including Vladimir, Vologda, Ivanovo, Kemerovo, Kotlas, Krasnokamsk, Monchegorsk, Murmansk, Novouralsk, Perm, Severodvinsk, Surgut, Syktyvkar, Tyumen, Ukhta, Khanty-Mansiysk, Cheboksary, and Cherepovets.
Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.