Two drivers with the same inputs will have the same regulatory coefficients, but insurers can still provide different final quotes.
The insurer selects the base rate
The Bank of Russia sets lower and upper boundaries for the base rate. Each insurer chooses a value inside that range under its own tariff policy.
An independent calculator without access to insurer systems cannot know one exact price. It can responsibly calculate two boundaries using the lowest and highest permitted base rates.
What totalosago.ru shows
The result is a range accompanied by the full formula, coefficient values and an explanation of why an insurer’s actual quote may sit within that range.
Before buying, use the official registers described in our OSAGO insurer list and licence-checking guide.