13 best insurance companies CTP
Your attention is a client rating of the best insurance companies OSAGO. When selecting "candidates" in this category, several important factors were taken into account: the number of reviews, as well as their quality, the activity of insurers in solving the problems of their clients.
How to choose an insurance company CTP
Insurance companies in Russia are notable for their large numbers and widespread prevalence. To choose a standing company that really “comes to the aid” when an insured event occurs, you need to try hard.
So, first of all, you need to pay attention to 2 points: reliability and stability. Fortunately, information about these indicators of the development of insurers is freely available. The size of the share capital is also important. Moreover, it is necessary to pay attention not only to its value, but also its ratio to the annual profit, amounts of payments under contracts. And a couple of moments:
- If the organization is small - be sure to check the availability of a license to carry out operations related to auto insurance.
- Pay attention to registration - it is better to give preference to the company that originated and is “registered” in Russia, and not abroad.
- Pay attention to the "age" - when choosing a suitable insurer, bow in favor of one whose age exceeds at least 10 years.
Rating of the best insurance companies CTP
| Nomination | a place | Insurance Company | rating |
| Rating of the best insurance companies CTP | 1 | Ingosstrakh | 4.9 |
| 2 | Alfa Insurance | 4.9 | |
| 3 | SOGAZ | 4.8 | |
| 4 | Tinkoff Insurance | 4.8 | |
| 5 | VTB insurance | 4.8 | |
| 6 | RESO-Guarantee | 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 |
Ingosstrakh
Rating: 4.9
Ingosstrakh PJSC is an insurance company with a statutory fund (as of May 2018) of about 17.5 billion rubles. Works on both domestic and international market. Today it is a federal level insurer with representative offices in 84 regions of the country. Ingosstrakh in the first place to collect payments in motor insurance (land, water).
As of the beginning of 2019, the share of failures in the policy payment to insurance customers was 0.57% (the figure decreased by 23.8% compared with the previous year). The amount of payments of the past year - 28.9 million p. According to the data of the authoritative rating agency Expert RA, the organization has the highest financial reliability rating (AAA). Ingosstrakh is one of the country's leaders in terms of reimbursements, bonuses and balance.
Alfa Insurance
Rating: 4.9
AlfaStrakhovanie JSC is rightfully considered one of the largest in Russia. It provides a comprehensive package of services that includes not only profitable business protection programs, but also excellent portfolio products designed to protect the interests of individuals. Alfa insurance is second in terms of profitability and the number of contracts concluded in motor insurance, as well as insurance of railway vehicles. The site has a 24-hour hotline. There are 20% discounts for neat drivers, VIP service programs are available. The company has about 270 regional offices.
As of the beginning of 2019, the proportion of refusals to pay customers according to insurance policies was 0.23% (the figure increased by 10% compared to the previous year). The amount of payments of the past year - almost 28.3 million p. According to the data of the authoritative rating agency Expert RA, the company has a consistently high financial reliability rating (AA +).
SOGAZ
Rating: 4.8
Insurance group with a registered capital of 25 billion rubles. 2 years in a row is the undisputed leader in terms of insurance fees. Today, SOGAZ is a federal-level insurer with representative offices in 79 regions of the country.
As of the beginning of 2019, the share of refusals to pay customers according to insurance policies was 0.89% (the figure increased compared to 2024 by 5.6%). The amount of payments for the last year amounted to about 72.4 million rubles. The share of auto insurance in the insurance portfolio in 2024 is about 1/6. According to expert estimates, the insurance company received the highest rating of financial reliability / sustainability.
IMPORTANT! At the end of 2018, SOGAZ decided to merge the insurance business with VTB Insurance. So a real giant appeared on the market, taking up about a fifth of it.
Tinkoff Insurance
Rating: 4.8
Tinkoff Insurance JSC is a relatively young company that primarily performs direct insurance (via the Internet and call centers). The organization has no representative offices or branches. Policies are sold exclusively through an agent network in 43 regions of Russia. The share of auto insurance in the insurance portfolio of the organization is about 1/10.
By the beginning of 2019, the share of failures was 1.18% (the figure fell by 0.08% compared with the previous year). The amount of payments at the end of last year - 967 million p. According to expert estimates, the insurer has 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 modest insurer into a real giant with working capital worth about 190 billion rubles. Branches of the company are located in 90 largest cities of the country. The amount of payments by the end of 2024 amounted to 10.5 billion rubles. At the same time, the share of failures is almost 8% (it is worth noting that this figure decreased by 13% compared to the previous year).
Auto insurance is not more than 10% of the total share of the insurance portfolio. According to the data of the authoritative rating agency “Expert RA”, the insurer has the highest financial reliability rating (AAA). At the end of 2018, the organization merged with the SOGAZ insurance group, as mentioned above. As a new market participant will manifest itself, we learn only by the results of the first quarter.
RESO-Guarantee
Rating: 4.7
PJSC RESO-Garantia is an insurance company with an authorized capital of 10.9 billion rubles. It is an agency-type organization: it includes 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 was the 5th largest in Russia in terms of premiums.
As of the end of 2018, RESO-guarantee has made payments to customers in the amount of about 32.8 billion rubles. The share of failure was 0.34% (which is 0.65% higher than last year). The Russian rating agency Expert RA confirmed at the beginning of the 2019th a high level of financial reliability of the organization. RESO-guarantee is a member of many professional associations, including the Russian Union of Motor Insurers.
Rosgosstrakh
Rating: 4.7
One of the largest insurance companies in the country with a registered capital of 19 billion rubles, 2,000 offices in all regions and a 97-year history. The blocking stake belongs to the state. The data of the 1st half of 2024 showed that the organization became the 9th in the list of the best in terms of profit.
In 2018, the Russian rating agency Expert RA increased the company's reliability rating, conferring on it a high level of financial stability.Rosgosstrakh made payments to customers in the amount of about 30.9 billion rubles, while the share of failures reached 2.1% (the figure fell by 69% compared to the previous year). Auto insurance accounts for almost 70% of the organization’s insurance portfolio.
Renaissance Insurance
Rating: 4.6
Renaissance Insurance Group is a market company that is a participant in the top 10 leaders of the Russian insurance market. For 2 years in a row, the organization has become the leader in terms of contributions in the direct insurance market. The group was the first in the Russian Federation to start selling policy online.
Over the past few years, there has been a steady increase in revenue. At the same time, the amount of payments on insurance policies at the end of 2024 was approximately 11.5 billion rubles. The bounce rate reached 1.6%, which is 0.78% less than last year. The group opened more than 35 representative offices in major cities of Russia and Ukraine. There is a 24-hour call center and SMS support. You can purchase an insurance policy at a discount - via the Internet.
Liberty Insurance
Rating: 4.6
Joint-stock company is a universal company, occupying (data for the beginning of 2018) 14th place in the ranking of the best in terms of hull insurance. The organization is a real professional in the field of direct insurance: the main sales of policies are carried out through the Internet and call-centers. Representative offices are located in 9 regions of the country. The last couple of years, the main activity of Liberty Insurance is auto insurance (about 60% of the total share in the insurance portfolio).
As of the end of 2018, the amount of payments on insurance policies amounted to about 1.6 billion rubles, with a share of refusals of 1.76% for the same period (the figure fell by 5.77% compared to last year). The authoritative rating agency confirmed the consistently high level of financial reliability of the organization (AA +).
ERGO
Rating: 4.5
The insurance group is considered one of the largest in Europe. It has an exceptional reputation as a reliable insurer. Auto insurance is a priority direction, which occupies the lion's share in the insurance portfolio of the organization. ERGO is on the 7th place in the country in the rating of motor insurance. The company provides the possibility of processing the policy in electronic form, including the Green Card product - a mandatory document for those who are planning to travel outside Russia by car.
As of the end of 2018, the amount of payments amounted to 2.6 billion rubles, while the share of failures for the same period of time was 5.5%. Russian rating agency Expert RA confirmed the high financial reliability rating of ERGO (AA +).
VSK
Rating: 4.5
One of the largest Russian insurers, which opened during its existence about 400 representative offices in major cities of the country. For the past 18 years, the company has consistently high financial reliability rating. President of Russia V.V. Putin announced VSK three times thanks for the development of the insurance business.
The option of making a payment via a bank card is available on the organization’s website In addition, payments on insurance policies are possible on the territory of the whole of Russia (regardless of the place of execution of the contract). According to the results of the end of 2018, the insurer took the 5th place in the country in terms of premiums from CTP insurance policies. The amount of insurance payments for the same period is about 20.5 billion rubles. at a share of refusals in payment of 2.25%.
Zetta Insurance
Rating: 4.5
LLC Zetta Insurance with a registered capital of 1.5 billion rubles. successfully implements insurance policies in 35 representative offices opened in major cities of the country. The company works closely with 350 Russian car dealers. As of the beginning of 2018, the majority of premiums fell on auto insurance (over 60%). Zetta Insurance - the winner of the “People's Rating” (banki.ru) in 2024 (3rd consecutive year) - for the quality of service and the level of insurance services provided.
The amount of payments at the end of 2024 was about 1.67 billion rubles. with a failure rate of 4.31%. The company's financial reliability has been confirmed at А + (quite high).In March 2018, the organization became the owner of a license giving the right to insure closed facilities and defense industry enterprises.
Consent
Rating: 4.4
The last participant of our rating, but not the last one in terms of reliability and loyalty to our customers. LLC with a registered capital of 5.4 billion rubles. has been operating in the insurance market for a quarter of a century. It is part of a large financial and industrial holding. The company consistently shows high results in terms of OSAGO charges - 6th place in the country.
The organization is represented in all federal districts of Russia: there are 55 representative offices of the insurer. The lion's share of the insurance portfolio is auto insurance (almost 70%). As of the summer of 2018, the rating agency was given a positive outlook, and the rating was upgraded from satisfactory to stable (BBB +). The amount of payments at the end of 2024 - 12.4 billion rubles. At the same time, the share of failures is only 0.26%. LLC "Consent" provides the ability to pay for the policy online. Available design "Green Card" - in case of road travel outside the country.
Attention! This rating is subjective, is not advertising and does not serve as a guide to the purchase. Before buying, you should consult with a specialist.
