Compulsory Motor Insurance Calculator

Written byOleh Soloninupdated 25 September 2026

Owner's city

By the owner's place of residence.

Driver list

Driver's age

With several drivers, use the youngest or least experienced: the highest factor applies.

Years of driving

No-claims class

The driver's class in the insurance database; with several drivers the highest factor applies.

Engine power, hp

Period of use

Advanced options

Insurer's base rate

Each insurer picks it within 1,399–8,665 ₽ for private cars.

Result

Policy price5,283.26 ₽
Calculation
2,224 × territory 1.8 × no-claims 1.17 × age 0.94 × drivers 1 × power 1.2 × season 1
Across insurers3,323 – 20,584 ₽ across the 1,399–8,665 ₽ base-rate corridor
No-claims factor1.17
Age and experience factor0.94
Driver list factor1
Power factor1.2
Period of use factor1

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 factor. Each claim-free year moves the driver up one class. From the starting class 3 each step cuts the factor by roughly 5–15 percent, until it reaches 0.46 in class 13; below class 3 the steps are steeper, from 22 to 34 percent. The reverse also holds: one at-fault claim throws the class back several steps.

How to use

Choose the owner's city — it sets the territory factor. If it is not listed, choose "Other city" and enter the factor from the directive.
Choose whether the list of drivers is limited. For a limited list, enter the no-claims class that gives the highest factor among the named drivers, and the age and experience that give the highest age-and-experience factor. They may belong to different drivers.
Enter the engine power from the registration documents and the months of the year the car is used.
Under the extra fields, swap the base tariff for your insurer's; the calculator also shows the spread across the whole corridor.

The OSAGO factors in 2026

OSAGO is Russia's compulsory third-party motor insurance. For a private owner's car the premium is a base tariff multiplied by factors for territory, the no-claims record, driver age and experience, the driver list, engine power and the months of use. All of them are set by Bank of Russia Directive No. 7204-U of 9 October 2025; only the base tariff is the insurer's choice.

For a private owner's car, Bank of Russia Directive No. 7204-U as amended on 4 May 2026.
Factor	Depends on	Values
Base tariff	Chosen by the insurer	1,399 — 8,665 ₽
Territory	The owner's city	0.68 — 2.34
No-claims (bonus-malus)	Claims in past years	0.46 — 3.92
Age and experience	Highest among named drivers	0.83 — 2.27
Driver list	Limited or not	1 or 3.16
Power	Horsepower	0.6 — 1.6
Period of use	Months a year	0.5 — 1

Power and seasonal use

Power comes from the registration documents; where only kilowatts are given, 1 hp = 735.499 W. A car used for part of the year costs less to insure: three months pay half, and anything over nine months pays in full.

Annex 2 to Directive No. 7204-U.
Power, hp	Factor	Months of use	Factor
Up to 50	0.6	3	0.5
51–70	1	4	0.6
71–100	1.1	5	0.65
101–120	1.2	6	0.7
121–150	1.4	7	0.8
Over 150	1.6	8	0.9
		9	0.95
		Over 9	1

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.

Where the numbers come from

Checked against Bank of Russia Directive No. 7204-U of 9 October 2025 as amended on 4 May 2026, annexes 1, 2 and 4 · verified September 2026.

FAQs

How do I check my no-claims factor?

Free of charge on the website of NSIS, the company that has run the national motor insurance database since 1 October 2024, using your driving licence details. If the factor is too high because a no-claims discount has gone missing, ask your insurer to check your insurance history.

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 factor of 3.16 for a private owner, with the class-3 no-claims factor instead of your own. 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.

What does a policy with three months of use cost?

An annual policy that limits use to three months a year takes a period-of-use factor of 0.5; six months take 0.7. The saloon in this page's example comes to 2,641.63 ₽ with three months of use and 3,698.28 ₽ with six, against 5,283.26 ₽ for use all year. A short-term contract for a few days or months is a different case with its own factor, and the calculator does not work it out.

What does a driver with no experience pay?

The age-and-experience factor for a 19-year-old with under a year behind the wheel is 2.27, against 0.94 for a 35-year-old with ten years. With everything else as in the example, the policy rises from 5,283.26 ₽ to 12,758.52 ₽.

Worked example

A 120 hp saloon with a clean record

Input: Base 2,224 ₽, Moscow, a driver of 35 with 10 years' experience, no-claims class 3, 120 hp, all year

Output: 5,283.26 ₽ for the year

Note: In class 13 the same policy costs 2,077.18 ₽; with no driver restriction it costs 17,760.76 ₽, because that factor is 3.16 and the class-3 no-claims factor applies.

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Result

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