When will car insurance prices go up? Rise in price of compulsory motor insurance

The basic rates of compulsory motor liability insurance increased from April 12, 2015. On average, the rate increased by 50%, if you look at the minimum tariffs, then by 40%. A decrease in the cost of compulsory motor vehicle liability insurance occurred for owners of scooters, tractors and other self-propelled vehicles; a slight decrease extended to cars of legal entities. According to the Central Bank, this is the final change in basic tariffs. From the same year, the “tariff corridor” system was approved. What does it affect?

Now in the basic tariff tables there are two columns with the cost of insurance. The first means the minimum tariff plan, and the second, respectively, the maximum. Within these limits, the insurance company has the right to vary the cost of compulsory motor liability insurance. Therefore, car owners have the opportunity to choose companies according to their own budget; previously this was not available, since tariffs were fixed everywhere.

How does the tariff corridor system work?

Now each insurance company providing compulsory motor liability insurance can reduce the cost of the policy by 20% or increase it by 20%. The increase and decrease in cost also depends on the values ​​of the coefficients that are included in the policy calculations. The most important of them are driving experience, region of residence, KBM coefficient, and how safely a person drives.

The question becomes relevant: if it is possible to vary the base rate, then is it possible for each client to choose an individual tariff plan? The answer is no. The base rate is chosen for a specific region, where it becomes fixed.

Regarding the price online MTPL policy, it should be the same as the paper one.

Changes to base rates and odds

According to the Directive of the Bank of Russia dated September 19, 2014 No. 3384-U, as amended on March 20, 2015, there were changes in the rates and coefficients used in the calculation of compulsory motor liability insurance. The main changes affected the base rate, the table of values ​​\u200b\u200bnow looks like this:

By the way, the coefficients responsible for place of residence have also changed. The table of territorial coefficient values ​​can be studied below.

The region is determined by the place of residence of the car owner from the passport or vehicle certificate. For a legal entity, the region can be its place of residence or the address of the company or branch.

The highest values ​​are set for Chelyabinsk, Murmansk, Moscow and Surgut. The lowest coefficient is in Nazran, since the smallest number of accidents occurs there.

The base MTPL rates did not change in 2016, and there were no changes in the coefficients.

Video: How the cost of compulsory motor liability insurance has changed in April 2015

News about the increase in the cost of the MTPL policy, about changes in basic tariffs, about the price corridor provided to insurers.

Automobile liability insurance, which is mandatory in our country, is one of the main expenses of a modern motorist.

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Last year, new rules came into force according to which the cost of the policy is calculated in each specific case. After these innovations gained legal force, car owners began to pay 40, or even 60% more compared to the previous period.

As the country's authorities say, this is not the limit for the rise in price, because already in 2019 another re-indexation of the cost is planned, after which the compulsory motor liability insurance policy will cost even more.

Auto insurance in 2019 and 2019

Almost every motorist still remembers those glorious times when an OSAGO policy cost a pittance and no one even thought about purchasing it: it was accepted as a necessity. However, despite the fact that not much time has passed since those glorious times, the cost of the policy has changed dramatically and today more and more Russians are thinking about whether to purchase insurance.

Insurance in the past

On April 12, 2019, there was a large-scale increase in the price of compulsory motor liability insurance, after which the cost of the policy soared by an amount of 40 to 60% more than it was before. This was due to the fact that, at the direction of the Central Bank of the country, the basic tariffs used to calculate the cost of the policy were significantly changed. If until April 12, 2019 year this tariff amounted to from 2,440 rubles to 2,574 rubles, then after the price increase the tariff was already from 3,432 to 4,118 rubles. The difference is noticeable and almost all car owners noticed it.

Before this increase in prices, there was another one – on April 1, 2019, but it concerned tariffs established in individual regions.

After car owners began to en masse be outraged by such a rise in price, and it was noticed that Russians were refusing insurance more and more often, the Central Bank explained what was causing the change in tariffs. In April 2019, the minimum rate for payments to victims who suffered damage to life and health was increased. If earlier it was 160,000 rubles, then after the changes it became 500,000 rubles. The limits on property payments have also changed.

Today's situation

Currently, the basic tariffs of 2019 are in effect in the Russian Federation, taking into account correction factors. The issue of increasing tariffs and changing the calculation of the cost of compulsory motor insurance policies is at the stage of development and approval, so it is too early to say definitively that before the end of this year changes will overtake motorists.

Increase in price of compulsory motor insurance

Why might the price change?

RSA has conducted some research, based on which they suggest that this year the cost of an MTPL insurance policy may change upward. This is largely due to the rise in the dollar exchange rate, which in turn will lead to an increase in the cost of auto parts and repair work to restore damaged vehicles. Since insurance companies in this case will incur greater losses than now, they will need more money to reimburse expenses.

Analytical KRA experts report that to date (data as of June 2019) the unprofitability of motor insurance under compulsory motor liability insurance is slightly more than 73%.

It is predicted that by the beginning of next 2019, losses will become even greater and will amount to about 94%. If this happens, then at the current cost of the policy, insurers will not be able to cover all insurance costs, even if they use assets from other types of insurance.

This is a direct prerequisite for increasing compulsory motor liability insurance rates already this year in order to prevent insurers from collapsing at the beginning of the next calendar year.

The second reason for the increase in the cost of compulsory motor liability insurance (not for all citizens, but only for certain “problem” categories) is the too rapid growth rate of the number of accidents on the roads.

If car owners who neglect driving culture and traffic rules pay a lot of money to obtain an insurance policy, this will make them think about their behavior on the road and reconsider it for the better in order to pay a smaller amount next time.

What to expect?

This year, a lot of changes are planned regarding the cost and procedure for issuing MTPL policies. But, do not immediately panic, because it has not yet been finally decided on what date and month such changes will come into force, as well as who exactly they will affect.

The plans announced today for calculating the cost of insurance include the introduction of an additional (tenth) coefficient, which will affect the entire cost of insurance as a whole.

So, it is already known for sure that it will be of an increasing nature.

• To date, the following algorithm of its action has been announced:
• if you have less than 5 traffic violations in the current year, then your coefficient will be equal to 1;
• if you violated traffic rules from 5 to 10 times a year, then be prepared for your coefficient to increase to 1.86;
• 10 – 15 violations in a calendar year will entail the application of a coefficient of 2.06;
• if you have from 15 to 20 violations - 2.26;

everything above is 3.05.

Those. those who constantly violate the rules of driving on the roads of our country must pay almost three times more for compulsory motor insurance than a conscientious and decent driver. This is the first possible option for increasing prices for compulsory motor insurance, but there is another one in the press.

According to the second scenario, violators with 5 violations behind them will have to pay the cost of compulsory motor liability insurance, taking into account an increasing factor of 3.12. Hardcore violators should be prepared for even higher tariffs, up to an 8-fold increase in cost from the original.

As you can see, if you are a law-abiding citizen who carefully drives your vehicle and has no violations, you can rest assured that no changes in the cost of compulsory motor liability insurance are expected for you this year.

Moreover, the Government of the Russian Federation has calculated that if an additional increasing factor is introduced for motorists who commit frequent traffic violations and road accidents, then the driving culture will improve significantly, and the number of accidents will be reduced by at least 30%.

Currently, there is little hope that the cost of the policy may decrease, at least a little, or at least remain unchanged after the introduction of an increasing coefficient.

A. Zhuravlev, a current State Duma deputy and member of the United Russia party, made a proposal that the engine power factor should be excluded from calculating the cost of the compulsory motor liability insurance policy.

The politician believes that this characteristic of the car in no way affects the creation of an emergency situation on the country's roads.

If you pay attention to the statistical data regarding road accidents, the vast majority of accidents occurred with the participation of small vehicles.

Based on the above, we can come to the conclusion that A. Zhuravlev’s proposal is not unfounded and has a right to exist.

What else can we expect from OSAGO this year?

2016, like recent years before it, brings an increasing number of changes not only to the calculation of the cost of compulsory motor liability insurance, but also to the procedure for issuing a policy and concluding a contract.

Among the most significant changes this year are:

1. By the end of the calendar year, there are plans to introduce photo and video recording of vehicle license plates in order to identify drivers who have not entered into an MTPL agreement and are driving a vehicle without a policy. To launch a trial version of the joint project, some agreements have already been reached between the main authorities that control the availability of insurance policies for drivers - the traffic police and insurance companies. The first trial cameras will appear in the capital Moscow and Kazan. Initially, it is planned that the cameras will be triggered on violators of traffic rules, and then these people will “break through” the database of insurance companies regarding whether they have an MTPL policy.
2. A bill is currently being prepared according to which insurers will be able to waive the single tariff approved by the Central Bank of Russia. In the near future, insurers will be given the freedom to choose the base tariff, but within a clearly limited corridor - from 20 to 30%.
3. The innovations will also affect the activities of insurance agents themselves. If at present they can refuse to conclude an insurance contract for you, if you, for example, do not want to conclude contracts for additional types of insurance, then in the near future, penalties may be imposed on the insurance company for an unfounded refusal to conclude compulsory motor liability insurance. A similar punishment will befall those agents who forcefully impose insurance that you don’t need. Estimated fine amounts have been announced: 5,000 rubles for refusal to individuals and from 100,000 to 500,000 rubles for legal entities.
4. In view of the difficult economic and financial situation in the country, insurers were obliged to form insurance reserves at the expense of assets. This money should serve as a guarantee for the repayment of debt obligations of policyholders to injured parties.
5. Changes will also be made to the system for checking OSAGO policies. Thus, it is planned that the right to conduct inspections of insurers will be granted to some public organizations and associations. Thus, they will be able to influence the activities of insurance companies.

Another positive change in the procedure for obtaining MTPL policies was that from July 1, 2019, it became possible to purchase an electronic policy, i.e. available in the database, but not on hand, i.e. There is absolutely no need to carry such a document with you. At the beginning of the year, until July 1, this opportunity was of a test nature and was not available to everyone, but the success of its use made it possible to introduce widespread use of electronic OSAGO policies starting in the summer of 2019.

Thus, 2019 does not plan large-scale increases in compulsory motor vehicle liability insurance tariffs for all citizens, but affects only the interests of certain categories of drivers who are considered “problematic” and behave on the roads contrary to traffic rules.

It is not yet known when such innovations will come into effect, since the final version of the increasing coefficients is at the approval stage. In addition to changes in the cost of the MTPL policy, there are a number of changes that will affect not only the interests of car owners, but will also slightly limit insurance companies.

• Attention!
• Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the website.

Accidents constantly happen on the road and you cannot insure against them - except for the consequences that they bring. Currently, the Russian Federation has a compulsory motor liability insurance system. What is meant by this abbreviation?

OSAGO is a compulsory motor liability insurance policy for road users. However, this system is designed to insure not your car and health, but another motorist and his vehicle to which you caused damage during an accident. Thus, a person who has an MTPL policy is exempt from compensation payments to the victim as a result of his actions - these responsibilities are transferred to the insurer company.

Drivers without insurance policies obviously find themselves in a sad situation if they have spared a fairly small amount for registration of compulsory motor liability insurance - they will still have to pay more for an accident. According to the agreement, the injured driver may be paid an amount of up to 500 thousand rubles.

How much does OSAGO cost now?

Many people are wondering when was the last increase in insurance costs? The last such changes were made in 2015. According to the law, drivers were required to pay an amount from 3,432 to 4,118 rubles. It all depends on the region, for example, in the city of Moscow the same tariffs apply, in Kaliningrad they are completely different.

The cost is also affected by:

• driver experience;
• car power;
• age;
• car class.

As already mentioned, by paying an amount of 3,432 to 4,118 rubles per year, the amount of compensation to the driver can reach 500 thousand rubles, and in case of damage to his property - up to 400 thousand rubles. What is the situation for 2017? Road users are wondering whether prices will rise again?

Increase in the price of compulsory motor liability insurance in 2019

Many drivers have heard about the increase in the price of compulsory motor insurance in 2019. The new bill will increase the cost of insurance for more than 11 million road users.

So from what date will the changes take effect? So far, the exact date of introduction of the change is unknown. The Bank of Russia proposed increasing the price on May 24, 2017. It was expected that by the end of 2017, in connection with the new system for recalculating the cost of insurance, the total amount could almost double in the worst case.

For owners of “multidrive” policies (documents in which the names of the owners are not written), the cost of insurance increases by 50%. At the moment, the number of such road users in Russia reaches almost 6 million. Young drivers, whose age reaches 22-39 years, should expect an even higher rise in prices. Insurance will cost them 55-80% more.

OSAGO cost coefficient for violators in 2019

There is such a thing as an increase in the cost of insurance for those drivers who have already violated traffic rules and been involved in an accident. Previously, the coefficients looked like this:

1. 2.06 – for drivers who have violated the rules from 10 to 14 times.
2. 2.26 – for drivers who violated the rules from 15 to 19 times.
3. 2, 45 – for 20-24 violations, etc.

According to changes from January 1, 2017, the cost may triple. These innovations are designed to force drivers to act more judiciously on the road and not violate traffic rules.

And yet, so far there have been no changes. According to experts, the bill is already being developed, but more time is needed for its implementation. So drivers cannot avoid increasing the cost of insurance in any case. The only chance to protect yourself from new, significantly increased prices is not to break the rules.

There probably won’t be a single car owner who wouldn’t care how much a compulsory motor liability insurance policy will cost in the coming year. Although the rise in car insurance prices has caused many heated protests, nevertheless, the prices of policies have increased significantly. Right now, more than ever, the question is relevant: how much does MTPL cost for 2019? ?

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What's new in MTPL in 2019?

First of all, it is important to take into account that with the beginning of 2018 there will be some changes in the procedure for auto liability insurance itself. It is known that it is planned to approve the concept of “dangerous driving” in the new amendments to the traffic rules, which will make it possible to introduce a new increasing coefficient for persistent violators of traffic rules. Thus, for some drivers, purchasing a policy in 2018 will cost a larger amount than for others. These innovations are expected to be approved in the first quarter of 2018. They are part of the action plan proposed by Dmitry Medvedev, designed to reduce the mortality rate from road accidents.

Rumors circulating about linking the MTPL policy to the payment of transport tax have not been confirmed. Deputies of the State Duma rejected in the first reading a bill to include a receipt for payment of transport tax in the list of mandatory documents for registration of compulsory motor liability insurance. The Duma Committee considered that such an innovation would become an additional obstacle to the purchase of policies for citizens, and in the future could reduce the number of sales.

In general, the cost of compulsory motor liability insurance will increase in 2018, which is why it is not recommended to postpone the purchase of a policy - a rise in price is coming very soon. The last increase occurred after April 1, 2015, when the Central Bank published territorial coefficients mandatory for use by all insurance companies, which led to an increase in prices for compulsory motor liability insurance by 40-60%. Depending on the registration of the car in a particular region, the cost of the policy was determined from the base rate multiplied by the territorial coefficient and then within the tariff corridor (5-20%) of the given insurance company.

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The next time tariffs will be indexed again in 2018. From 2018, such indexation will be carried out by the Central Bank annually, but only once a year. Thus, formalizing OSAGO for a year Now, you have the opportunity to save money guaranteed.

Which insurance company should you choose?

And without a doubt, the question of the correct and deliberate choice of a reliable insurer remains very relevant. The list of the most reliable insurance companies is headed by Rosgosstrakh LLC. The number of satisfied clients of this insurer has already exceeded the threshold of 20 million Russians. Next comes an equally well-known company - RESO-Garantiya. Among its advantages are the repayment of the insurance premium within up to 1 week, as well as the opportunity to contact the office any day of the week.

In third position is Ingosstrakh Insurance Company. At any time of the day, the policyholder can call the company’s dispatch service and report an accident. The MSC group, which has representative offices in all regions of the country, is quite a bit inferior. The top five leader is the Military Insurance Company, which makes insurance payments within no more than 5 days.


When purchasing an MTPL policy, it is important to carefully read the terms and conditions of the selected insurer. Payment plans may vary significantly. For example, according to the operating conditions of this company, in the event of an accident, insurance payment may be made not for your car, but for the victim’s car. Also, when purchasing a policy, ask what is the validity period of the insurer's license. If the company’s license expires in the very near future, it is possible that if an accident occurs, there will be no one to present an invoice to you for payment.

The NAAC report lists them as driving into oncoming traffic, running a red light, and even crossing a stop line, but not, for example, driving while intoxicated. In this case, the coefficient for five violations can be 3.12, and the maximum value (from 20 violations) can reach 8.29. The advantage of this approach is that it will have virtually no effect on the average cost of compulsory motor liability insurance and will apply to the worst violators, according to the NAAC. For calculations, the NAAC used insurance statistics and data from the Ministry of Internal Affairs on the number and composition of traffic violations. “The answer will be clear and symmetrical” Chairman of the Russian Motorists Movement Viktor Pokhmelkin told the newspaper VZGLYAD that insurers never cease to amaze him. “More recently, they have already achieved an increase in tariffs for compulsory motor liability insurance policies in connection with the allegedly increased payments for road accidents.

Will MTPL prices rise in 2016?

• QR code with which you can check the validity of the policy using the AIS RSA database (however, this can also be done simply by number)
• A new mandatory field with information about the bonus-malus discount (previously, some insurers themselves wrote this value in the “other notes”)

• The cost of insurance will not increase (according to RSA), although formally the Central Bank has the right to raise tariffs, since the last time the cost of “car insurance” was revised was in April 2015.
• If you make changes to the old insurance contract (for example, to “include your wife” or “change the license number to new ones”), you will be issued a new policy, without additional payments.
• It was originally planned that on July 1, 2016, all offices and agents would immediately begin selling new pink policies, and the old forms would immediately be taken out of circulation.

How much does compulsory motor insurance cost for a year in 2017-2018?

Klepikov saw in it the desire of insurers to punish motorists who violated the rules for the second time. “They want to take on the function of punishment, which is not the prerogative of insurers. Guilty drivers are already punished for this or that act when they pay fines or other measures are applied to them. But here, if you violate it often, the policy will also be more expensive. Double punishment, which contradicts not only the existing rules, but also the Constitution of Russia,” he believes.
Klepikov explained why even now a considerable part of motorists do not want to insure their liability. “According to the latest data, as I heard, about a million Russian drivers did not take out insurance policies after their last price increase. Why is this happening? Because in fact today it is very easy to evade responsibility. The fine for not having a policy is very small - 800 rubles.

OSAGO will rise in price in 2016

According to the Minister of Economic Development of the Russian Federation, this year the tariffs set by the Central Bank will also be indexed at 7.5% in accordance with inflation. For those who often violate traffic rules and receive fines for this, changes will also be made, on the basis of which the cost of compulsory motor liability insurance will increase due to the corresponding coefficients and will stimulate an increase in the number of drivers who comply with traffic rules. Preliminarily, these amendments will apply to those who have five or more violations.

But how it will actually happen is still unknown. In addition, drivers who violate traffic rules for being drunk, crossing a solid road or running a red light will have to pay 3 times more for insurance than usual. As you can see from what we wrote above, it is too early to say how much and when OSAGO insurance will increase in 2017.

Osago 2016: we are waiting for changes

Attention

But there was another increase in prices for compulsory motor liability insurance from April 1, 2015, based on changes in the size of the coefficients for the regions. This is exactly what the increase in the cost of an insurance policy looked like: But during this period there was not only an increase, but also a decrease in the cost of compulsory motor liability insurance. The Central Bank explained the reason for such a jump in prices for insurance.

Important

Since April 2015, the payment rate for damage to life and health under compulsory motor liability insurance has been increased from 160,000 rubles to 500,000 rubles. The limit on property payments was also changed from 120,000 rubles to 400,000 rubles. Why is compulsory motor insurance so expensive in 2017 Changes occur constantly, and 2015 played the main role in the price change.

However, this year the price increase will be due to the dollar exchange rate, as spare parts have become more expensive, and the introduction of additional amendments that will toughen the punishment for violating traffic rules.

MTPL calculator 2017

The list of the most reliable insurance companies is headed by Rosgosstrakh LLC. The number of satisfied clients of this insurer has already exceeded the threshold of 20 million Russians. Next comes an equally well-known company - RESO-Garantiya.

Among its advantages are the repayment of the insurance premium within up to 1 week, as well as the opportunity to contact the office any day of the week. In third position is Ingosstrakh Insurance Company. At any time of the day, the policyholder can call the company’s dispatch service and report an accident. The MSC group, which has representative offices in all regions of the country, is quite a bit inferior.

The top five leader is the Military Insurance Company, which makes insurance payments within no more than 5 days. When purchasing a compulsory motor liability insurance policy, it is important to carefully familiarize yourself with the working conditions of the chosen insurer. Payment plans may vary significantly.