Will the new OSAGO 2019 tariffs hit our wallets

New CTP rates 2019: what has changed, will insurance become more expensive, who will have to pay more, how to save

Each new year brings us many unexpected surprises.

Changing insurance rates for many was not new, and as of January 1, 2019, many motorists were ready to increase them.

The innovation began to operate only from the first working day of this year, that is, from January 9.

What the new OSAGO 2019 tariffs provide for, who will pay more and who will be able to save on the “auto citizen” policy, we will consider in the article.

New CTP rates

New CTP rates 2019: what has changed

The Central Bank announced in advance about upcoming changes. And many have already familiarized themselves with the main provisions of the upcoming reform.

New changes are:

  1. expansion of the base rate corridor;
  2. an increase in the number of age categories for calculating the age-seniority ratio;
  3. changes in the Bonus Malus system.

From the above points it is clear that the tariffs will become individual. Each driver will buy an insurance policy at its price, which depends on many factors.

Let us dwell on each item in more detail and find out how innovations will affect the wallet of ordinary policyholders.

Base rate

The basic rates are used in calculating the insurance premium for each car. The range of these rates increased by 20%, and the borders of the corridor were moved apart in both directions.

Compare the new and old base rates in numbers:

  • for private car owners: from 2746 to 4942 p. against the previous 3432-4118 p.;
  • for organizations: from 2058 to 2911 p. against the previous 2573-3087 p .;
  • for taxi: from 4110 to 7399 p., earlier 5138-6166 p.;
  • for motorcyclists: from 694 to 1047 p., before 867-1579 p.

Age-experience ratio

With the introduction of new tariffs, OSAGO also changed the FAC. There are much more age categories here.

Previously, there were only four , but now the FAC has 58 values.

Young inexperienced drivers will pay more, because the FAC for them was increased to 1.87 (was 1.8). Having 3 years of experience, a 35-year-old driver can count on a 1% discount.

Motorists aged 59 years and older with more than 6 years of experience will pay 7% less for the policy.

Bonus Malus

The personal insurance history of the motorist allows him to annually count on a discount on the Bonus-Malus system, which is provided when driving without an accident.

Moreover, each accident increases this coefficient and is taken into account when extending the policy.

Now KBM will not be tied to the insurance period. It will be assigned to each driver on April 1 of each year.

The assigned KBM is valid for all vehicles operated by this policyholder (provided that the number of drivers in the policy is limited).

The calculation of the coefficient will be the same, however, the classification of policyholders will no longer be applied.

A newcomer in the first year of insurance receives a KBM equal to one. In the event of a trouble-free ride, its coefficient will decrease by 5% each year. The minimum KBM is 0.5.

To receive it, the driver must not apply for insurance indemnity of 10 years. In the event of an accident, the CBM is increased by 55%.


As we can see, far from everyone will be affected by the change in tariffs for “motor citizens”. Rising prices for this insurance service will be noticed only by certain categories of drivers, for example, young motorists with no driving experience.

According to the estimates of the Central Bank, the new OSAGO rates will increase the average cost of insurance by 1.5% . However, the RSA claims that the size of the insurance premium may increase by 5%.

Motorists should not panic and get ready for big expenses. Many of them will be pleasantly surprised when extending the policy that its cost has slightly decreased.

In order to save, you can do the following:

  • Reduce the territorial coefficient by registering a car with a relative who has a residence permit in the region with the lowest CT.
  • Limit the number of people allowed to manage the vehicle.
  • Do not include young inexperienced drivers in the policy.
  • Do not apply for compensation for nothing (insurance with a deductible) and earn a discount on KBM.
  • Drive carefully and do not get into an accident.

Changed CTP rates are designed to encourage motorists to crash-free driving and mutual respect on the roads.

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