Compulsory Motor Insurance Calculator

Base tariff

Territory coefficient

Москва 2.0, Санкт-Петербург 1.8, небольшие города от 0.6.

No-claims coefficient

Age and experience coefficient

Engine power, hp

Policy term, years

Driver list

Result

Premium$4,803.84
Power coefficient1.2
Driver coefficient1
Per month$400.32
Without the no-claims factor$4,803.84
No-claims saving$0.00

A base tariff multiplied by six coefficients

Premium from the base tariff and every coefficient — territory, no-claims record, age and experience, engine power and the driver list.

The premium is a base tariff multiplied through a chain of coefficients. Insurers pick the base within a corridor set by the central bank, but the coefficients are identical everywhere — and they are what produce differences of several times over.

The heaviest is the no-claims discount. It falls about five percent for every year without a payout, halving the premium over a decade. The reverse also holds: one at-fault claim throws the record back several years.

What this calculator shows

The premium and its monthly equivalent
The power coefficient and the unlimited-drivers coefficient
How much your no-claims record is saving you

What to keep in mind

The base tariff varies by insurer inside the regulator's corridor, so shopping around genuinely pays.
The territory coefficient follows the owner's registered address, not where the car is actually driven.

FAQs

How do I check my no-claims factor?

Free of charge in the insurers' union database by licence number. Errors do occur, and an understated factor can be corrected by application.

Why do insurers quote different prices?

Each picks its base tariff within the regulator's corridor. Since the coefficients are fixed, the whole difference comes from that base.

What does an unlimited driver list cost?

A coefficient of 1.94, so nearly double. If you are the main driver, naming specific people is far cheaper.

Does engine power matter?

Yes, in steps: 0.6 under 50 hp, rising to 1.6 above 150. The jump between 149 and 151 horsepower is worth real money.

Worked example

A 120 hp saloon with a clean record

Input: Base 2,224 ₽, territory 1.8, no-claims 1.0, 120 hp

Output: About 4,800 ₽ for the year

Note: At a 0.5 no-claims factor after ten clean years the same policy costs around 2,400 ₽. Choosing unlimited drivers nearly doubles it.

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Result

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