Everything about car insurance: types and nuances in 2025

Everything about car insurance in 2025 — important information for every driver in Russia, especially considering changes in legislation. As of 15:35 on June 16, 2025, with rising policy prices and new requirements, it’s important to understand how to protect yourself and your car. In this article, we at GetCar.ru will break down the types of car insurance, their features, and key nuances, so you can make the right choice.

Basic types of insurance

Compulsory motor third party liability insurance (OSAGO)

OSAGO — basic protection. For example, the policy covers damages to other participants in an accident up to 500,000 rubles. Also, the cost in 2025 starts from 5,000 rubles per year. Furthermore, its presence is mandatory for registering a car. This is one of the details of car insurance.

Добровольное страхование (КАСКО)

CASCO is an extended option. For example, the policy protects against theft, damage, and natural disasters. Also, the cost varies from 30,000 to 100,000 rubles depending on the model. In addition, it includes evacuation services. This is an important aspect of the car insurance review.

Nuances of choosing a policy

Accounting for region and experience

Region affects the price. For example, insurance in Moscow is 20–30% more expensive due to high accident rate. Also, drivers with less than 3 years of experience pay more. In addition, marital status and age are taken into account in the calculation. This is a nuance of auto insurance.

Franchise and its role

Franchise reduces the cost. For example, a policy with a franchise of 10,000 rubles may be 15% cheaper. It also reduces payments for minor damages. In addition, the choice of franchise depends on your budget. This is a detail of the car insurance review.

Clearance process

Comparison of sentences

Comparison saves money. For example, online calculators on the websites of the RSA or "Rosgosstrakh" show the best rates. Also, review reviews of insurance companies. Furthermore, dealer promotions can reduce the price. This helps in detailing car insurance.

Documents required

Documents simplify the paperwork. For example, a passport, driver's license, and vehicle registration document (ПТС) are mandatory for OSAGO (compulsory motor third-party liability insurance). A diagnostic card is also required for older vehicles. In addition, the accident history affects the rate. This is an important step in auto insurance.

Features in 2025

New law requirements

Legislation is changing. For example, from 2025, an electronic policy will be introduced for all regions. Also, fines for lack of OSAGO will increase to 10,000 rubles. In addition, the cases of CASCO coverage have been expanded. This is a nuance of the car insurance review.

Electronic services

Services simplify the process. For example, “E-OSAGO” applications allow you to issue a policy in 10 minutes. Also, an online chat with support speeds up problem solving. In addition, payment through banks minimizes commissions. This is a detail of car insurance.

Conclusion: a conscious decision

Everything about auto insurance in 2025 includes understanding the types of policies and their nuances. OSAGO provides basic protection, while KASKO adds confidence. With GetCar.ru, you will receive assistance in choosing auto insurance. Compare offers, take into account the region, and use electronic services for profitable and convenient registration!