Transparent formula
See every coefficient used in the estimate, each explained in plain language.
Independent information projectOSAGO (ОСАГО) pricing
OSAGO (ОСАГО) pricing
without the black box
Get an estimated price range and understand how every coefficient shapes the result.
- No registration
- Data stays in your browser
- Official formula
Calculation principleClear
TB (ТБ)KT (КТ)KBM (КБМ)KVS (КВС)KO (КО)KM (КМ)KS (КС)
The result is an honest rangefrom ₽5,400 to ₽33,500
The insurance company chooses its base rate within the regulated tariff range.
Why totalosago
A calm tool for an informed decision
No lead forms, ads, or promises of impossible precision.
Private by design
Vehicle and driver details stay on the device and are never sent to a server.
Primary sources
Tariffs and rules are versioned with references to Bank of Russia regulations.
Three short steps01 02 03
From details to a clear explanation
Vehicle
Enter the registration region and engine power.
Drivers
Add the age, experience and known KBM (КБМ) for each driver.
Result
Get a price range and a coefficient breakdown.
Understand OSAGO (ОСАГО)
All articles A clear guide to what shapes the price
5 min read
How the OSAGO (ОСАГО) price is calculated
A plain-language walkthrough of the official formula.
4 min read
What is KBM (КБМ)?
How claim-free driving can lower the price of your next policy.
3 min read
Why insurers quote different prices
How the tariff range works and why the calculator shows a range.
Next step
Open calculator Estimate the price for your details
The calculator shows a price range, the applied coefficients and the regulatory dataset version.