OSAGO has become unprofitable: payouts exceeded collections in the first 4 months of 2026.
The Russian Union of Insurers has published data for January-April 2026, which demonstrates a deterioration in the financial model of mandatory auto liability insurance. As reported by RSA President Evgeny Ufimtsev, the payout level, taking into account business expenses, averaged 104.3% across Russia.
In numbers, this looks like this: during the specified period, the total volume of collected insurance premiums reached 106.4 billion rubles. At the same time, the total amount of payouts (including court-related expenses of 5.2 billion rubles and contributions from the RSA compensation fund of 581 million rubles) amounted to 91.3 billion rubles. The excess of income over expenses, according to the head of the union, makes compulsory motor insurance a loss-making product.
The main reason for the burden on insurers is the increase in the average payout. Over the four months of 2026, it increased by 8.6% compared to the same period last year, reaching 119,197 rubles. The payout in April was even higher — 121,986 rubles. At the same time, the frequency of insurance cases remained at the same level — 5.1%.
The average premium for an annual compulsory motor insurance policy during the reporting period changed slightly and amounted to 7,557 rubles (in April — 7,378 rubles). According to Evgeny Ufimtsev, the ability to keep tariffs in the current conditions is precisely due to the reform of tariff individualization. However, he emphasized that market stability requires additional measures — primarily strengthening the fight against fraud and unfair practices.
Other indicators from the RSA report: the share of the European protocol increased by 1.4 percentage points, reaching 42.1%, while the number of contracts transferred to the reinsurance pool decreased by 1.9 percentage points — to 8.1%. A total of 22 million compulsory motor insurance contracts were concluded over the four months of 2026, of which 8.1 million were issued as short-term policies (the average premium for them was 210 rubles).
Другие Новости Кирова (НЗК)
Russians named their favorite movie genres for relaxation after work.
Experts from the SuperJob service have found out which movies and TV series Russians prefer to watch in the evening after a workday.
The cows in Kirov have started producing more milk.
Agricultural enterprises in the region continue to increase milk yields, reported the Ministry of Agriculture and Food of the Kirov Region.
There is more milk in Kirov cows.
Agricultural enterprises in the region continue to increase milk yields, reported the Ministry of Agriculture and Food of the Kirov Region.
A fugitive from the Sun district has been deprived of his rights due to a debt for alimony.
A resident of the Kirov region owes more than 120,000 rubles to his two daughters.
Judge of the Lenin District Court Victoria Shamrikova has resigned.
Victoria Nikolaevna has worked in the judicial system for over 25 years.
Bastrikin became interested in the poor road in the Nagorsk district.
The chairman of the Investigative Committee ordered a report on the investigation.
OSAGO has become unprofitable: payouts exceeded collections in the first 4 months of 2026.
Statistics from the RSA for January-April 2026 recorded a worrying milestone: the total expenses of insurers for auto liability insurance, taking into account the handling of cases, reached 104.3% of the collected premiums. In the first four months, the OSAGO segment became unprofitable — payouts and costs exceeded the income from policy sales.