How to reduce the cost of OSAGO in 2025

The cost of compulsory motor third-party liability (OSAGO) insurance in 2025 remains an important question for Russian car owners. Given the increase in insurance prices, saving money becomes a priority. This article will tell you how to reduce the cost of OSAGO using legal methods and innovations.

What affects the cost of OSAGO

The cost of compulsory motor third-party liability insurance (OSAGO) depends on coefficients, including:

• Bonus-malus coefficient (KBM). Incident-free driving reduces costs.
• Engine power. Cars with a power output exceeding 150 hp are more expensive to insure.
• Region. In Moscow and large cities, prices are higher than in the regions.
• Driver's age and length of service. Young drivers pay more.

In 2025, insurance companies continue to consider telematics data for individual rates.

Ways to reduce the cost of OSAGO

Safe riding

KBM decreases by 5% for each year without an accident. Drivers with a KBM of 0.5 can save up to 50% on their policy. Check the KBM on the RSA (Russian Union of Autoinsurers) website.

Choosing an insurance company

Compare offers from different insurers. Platforms such as Sravni.ru allow you to choose a policy with the best price. In 2025, competition between insurance companies is increasing discounts.

Telematics and smart devices

Some insurers offer discounts for installing telematics devices that track driving style. For example, careful drivers may receive a discount of up to 20%.

Restriction of Drivers

Exclude young or inexperienced drivers from the policy to reduce the coefficient. This is especially relevant for families with multiple drivers.

Choice of minimum coverage

For older cars, consider a minimum liability insurance (OSAGO) policy without additional services. This reduces the cost but maintains the mandatory coverage.

State innovations

In 2025, the Ministry of Finance plans to expand the corridor of basic OSAGO tariffs, which will increase competition. This could lead to lower prices for careful drivers. The introduction of a digital ruble to simplify payments is also being discussed, which will reduce transaction costs.

Problems and solutions

High tariffs in regions with poor roads remain a problem. The solution is to use online calculators for accurate calculations and to file complaints with the RSA in cases of inflated prices. Verify the authenticity of the policy to avoid fraud.

Conclusion

Reduce the cost of CTP insurance in 2025 by driving without accidents, choosing an insurer, using telematics, and limiting drivers. Keep up with innovations and compare offers to get the best policy at a favorable price.