13 best insurance companies in CTP

Review of the best according to the editors. About the selection criteria. The the material is subjective, is not advertising and is not serves as a guide to the purchase. Before purchase is needed consultation with a specialist.

We offer you a customer rating of the best insurance OSAGO companies. When selecting “candidates” in the considered The category took into account several important factors: the quantity reviews, as well as their quality, activity of insurers when deciding problems of their customers.

How to choose an insurance company CTP

Insurance companies in Russia are numerous and ubiquitous. To choose a worthwhile company, which upon occurrence of an insured event really “will come on help “, you need to try hard.

So, first of all, you need to pay attention to 2 Moment: reliability and stability. Fortunately, information about these indicators of development of insurers are in the public domain. Equally important is the size of the authorized capital. Moreover, you need to pay attention not only to its value, but also its relation to the annual profit, amounts of payments under contracts. And a couple of points:

  1. If the organization is small, be sure to check availability licenses for operations related to car insurance.
  2. Pay attention to registration – it is better to give preference the company that arose and is “registered” in Russia, and not for its the limits.
  3. Pay attention to “age” – when choosing the right insurer lean in favor of someone whose age exceeds though would be 10 years old.

Rating of the best OSAGO insurance companies

Nomination a place Insurance Company rating
Rating of the best OSAGO insurance companies 1 Ingosstrakh 4.9
2 Al insurance 4.9
3 SOGAZ 4.8
4 Tinkoff Insurance 4.8
5 VTB insurance 4.8
6 RESO-Warranty 4.7
7 Rosgosstrakh 4.7
8 Renaissance Insurance 4.6
9 Liberty Insurance 4.6
10 ERGO 4.5
11 VSK 4.5
12 Zetta Insurance 4.5
13 Consent 4.4


Rating: 4.9


PJSC “Ingosstrakh” – an insurance company with a statutory fund (data as of May 2018) about 17.5 billion p. Works like on domestic and international markets. Today it is a federal level insurer with representative offices of 84 regions of the country. Ingosstrakh in the first place in collecting payments in car insurance (land, water).

As of the beginning of 2019, the percentage of failures in the policy payment to insurance clients amounted to 0.57% (the indicator decreased by compared with the previous year by 23.8%). The amount of payments past year – 28.9 million p. According to a reputable rating Agency “Expert RA”, the organization has the highest rating financial reliability (AAA). Ingosstrakh – one of the leaders in the country the amount of refunds, bonuses and balance.

Al insurance

Rating: 4.9


Alfastrakhovaniye JSC is rightfully considered one of the largest in Of Russia. It provides a comprehensive package of services, including not only profitable business protection programs, but also excellent portfolio products designed to protect the interests of individuals. Alfa insurance in second place in terms of profitability and quantity car insurance and insurance contracts rail vehicles. The site is valid round-the-clock hotline. 20% discounts available neat drivers, there are VIP service programs. The company has about 270 regional offices.

As of the beginning of 2019, the share of refusals in payment customers according to insurance policies amounted to 0.23% (indicator increased by 10% compared to the previous year). Payout Amount last year – almost 28.3 million rubles. According to a reputable Expert RA rating agency, the company has a stable high rating of financial reliability (AA +).


Rating: 4.8


An insurance group with an authorized capital of 25 billion rubles. already 2 years in a row is the undisputed leader in terms of insurance premiums. On the Today SOGAZ is a federal insurer with representations in 79 regions of the country.

As of the beginning of 2019, the share of refusals in payment According to insurance policies, customers amounted to 0.89% (indicator increased by 5.6% compared to 2018). Sum of payments according to the results last year amounted to about 72.4 million p. Car insurance share in At the end of 2018, the insurance portfolio is about 1/6. According to expert estimates, the insurance company received the maximum financial reliability / sustainability rating.

IMPORTANT! At the end of 2018, SOGAZ decided to implement merger of the insurance business with VTB Insurance. So in the market a real giant appeared, occupying about a fifth of it.

Tinkoff Insurance

Rating: 4.8


Tinkoff Insurance JSC is a relatively young company, which provides mainly direct insurance (via the Internet and call centers). Organization does not have representative offices or branches. The implementation of policies is taking place exclusively through an agent network in 43 regions of Russia. Share auto insurance is in the organization’s insurance portfolio 1/10.

By the beginning of 2019, the failure rate was 1.18% (indicator decreased by 0.08% compared with last year). Payout Amount the end of last year – 967 million rubles. According to expert estimates, the insurer received a moderate rating of financial stability, which implies sensitivity to negative changes in the economy.

VTB insurance

Rating: 4.8


Over the 18 years of its existence, the insurance company has evolved from a humble insurer to a true giant with negotiable funds worth about 190 billion rubles. Company branches are located in 90 largest cities of the country. Amounts paid by the end of 2018 amounted to 10.5 billion p. At the same time, the failure rate is almost 8% (worth note that this figure has decreased by 13% compared with the past year).

Auto insurance is not more than 10% of the total insurance share portfolio. According to a reputable rating agency “Expert RA”, the insurer has the highest financial rating reliability (AAA). At the end of 2018, the organization merged with the SOGAZ insurance group, as already mentioned above. Like New a market participant will show itself, we will find out only by the results of the first quarter.


Rating: 4.7


PJSC RESO-Garantia – an insurance company with registered capital in 10.9 billion p. Is an agency type organization: includes there are about 900 branches and offices in all regions of the country. Auto insurance is one of the priority areas of work (almost 70% of the insurance portfolio). In the first half of 2018, the insurer became 5th in Russia in terms of contributions.

According to the end of 2018, RESO-guarantee made payments customers worth about 32.8 billion rubles. Moreover, the proportion of failure amounted to 0.34% (which is 0.65% higher compared to last year). The Russian rating agency Expert RA confirmed at the beginning 2019, the highest level of financial reliability of the organization. RESO-guarantee is a member of many professional associations, including including the Russian Union of Auto Insurers.


Rating: 4.7


One of the largest insurance companies in the country with registered With a capital of 19 billion rubles, 2,000 offices in all regions and a 97-year-old history. The blocking block of shares belongs to the state. Data The 1st half of 2018 showed that the organization became the 9th in list of the best in terms of profit.

In 2018, the Russian rating agency Expert RA raised reliability rating of the company, assigning it a high level of financial stability. Rosgosstrakh made payments to customers in the amount of about 30.9 billion rubles, while the failure rate reached 2.1% (the indicator decreased by 69% compared to the previous year). To share auto insurance accounts for almost 70% of the insurance portfolio organization.

Renaissance Insurance

Rating: 4.6

Renaissance Insurance

Renaissance Insurance Group is a market company that is a member of 10 leaders of the Russian insurance market. Already 2 for a year in a row, the organization becomes a leader in terms of contributions for direct insurance market. The group was the first in Russia to start sell policies online.

Over the past few years, there has been a steady increase in volume receipts. Moreover, the amount of payments on insurance policies at the end 2018 amounted to approximately 11.5 billion p. Failure rate reached 1.6%, which is 0.78% less than last year. Group opened more than 35 representative offices in major cities of Russia and Ukraine. There is a round-the-clock call center and SMS support. It is possible to purchase an insurance policy at a discount – through the Internet.

Liberty Insurance

Rating: 4.6


Joint-stock company – a universal company, occupying (data on beginning of 2018) 14th place in the ranking of the best in terms of hull insurance. The organization is a true professional in the field of direct insurance: The main sales of policies are via the Internet and call centers. Representative offices are located in 9 regions country. The last couple of years, the main activity Liberty Insurance is car insurance (about 60% of the total shares in the insurance portfolio).

As of the end of 2018, the amount of payments on insurance policies amounted to about 1.6 billion p., with a failure rate of 1.76% for the same period (indicator compared to last year decreased by 5.77%). A reputable rating agency confirmed consistently high level of financial reliability of the organization (AA +).


Rating: 4.5


The insurance group is considered one of the largest in Europe. It has The exceptional reputation of a reliable insurer. Auto Insurance – priority area occupying the lion’s share in insurance organization portfolio. ERGO – on the 7th place in the country in the ranking motor insurance. The company provides an opportunity registration of the policy in electronic form, including the product Green Card is a must for anyone planning travel outside Russia by car.

As of the end of 2018, the amount of payments amounted to 2.6 billion. p., while the failure rate for the same period of time is 5.5%. Russian rating agency “Expert RA” confirmed high ERGO financial reliability rating (AA +).


Rating: 4.5


One of the largest Russian insurers, opened during the time about 400 representative offices in large cities country. For 18 years, the company has been consistently high rating. financial reliability. President of Russia V.V. Putin announced three times VSK thanks for the development of insurance.

On the organization’s website, the option of making a payment by bank card. In addition, payments on insurance policies are possible. in the whole of Russia (regardless of the place of registration agreement). At the end of 2018, the insurer took 5th place in country in terms of premiums from insurance policies. Insurance Payout Amount over the same period – about 20.5 billion rubles. with a share of refusals in payment 2.25%.

Zetta Insurance

Rating: 4.5


Zetta Insurance LLC with an authorized capital of 1.5 billion rubles. successfully implements insurance policies in 35 representative offices, open in major cities of the country. The company works closely with 350 Russian car dealers. Most of the premiums for at the beginning of 2018, car insurance (more than 60%). Zetta Insurance is the winner of the “Popular Rating” (banki.ru) in 2018 (the 3rd consecutive year) – for the quality of service and the level of insurance services provided.

The amount of payments at the end of 2018 amounted to about 1.67 billion rubles. with a failure rate of 4.31%. Financial reliability of the company Confirmed at A + (high enough). In March 2018 the organization became the holder of a license entitling insurance closed facilities and military-industrial enterprises.

Rating: 4.4


The last participant in our ranking, but not the last in reliability and loyalty to their customers. LLC with registered capital 5.4 billion p. has been operating in the insurance market for a quarter century. It is part of a large financial and industrial holding. The company consistently shows high results in terms of fees CTP – 6th place in the country.

The organization is represented in all federal districts of Russia: there 55 representative offices of the insurer operate. Lion’s share the insurance portfolio is auto insurance (almost 70%). By as of the summer of 2018, the rating agency gave a positive forecast, and rating increased from satisfactory to stable (BBB +). The amount of payments at the end of 2018 is 12.4 billion rubles. Moreover, the share failure rate – only 0.26%. Consent LLC provides an opportunity policy payment online. Registration of the Green Card is available – on case of car travel outside the country.

Attention! This rating is subjective, is not advertising and does not serve as a guide to the purchase. Before the purchase consultation with a specialist is necessary.

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