Is the compulsory traffic insurance the same for 5-seater and 6-seater vehicles?
3 Answers
5-seater and 6-seater vehicles have different compulsory traffic insurance rates. Additional information: 1. Vehicle insurance premiums are calculated separately for each coverage type based on the vehicle category, usage nature, and required insurance types selected by the policyholder. 2. The composition of vehicle damage insurance premium is: Vehicle damage insurance premium = Base premium + Insured amount × Rate (%). 3. Third-party liability insurance charges fixed premiums according to different compensation limit tiers selected based on vehicle category and usage nature. 4. The compulsory traffic insurance has 42 basic rate categories, with different premium rates for eight major vehicle types (family passenger cars, non-commercial buses, commercial buses, non-commercial trucks, commercial trucks, special vehicles, motorcycles, and tractors) and their 42 subcategories. However, the same vehicle model maintains a unified price nationwide.
I've been driving for over a decade now and have owned several vehicles, including 5-seater sedans and 6-seater MPVs. The compulsory traffic insurance premiums really don't differ much. Insurance companies calculate premiums according to national regulations, and both 5-seaters and 6-seaters fall under the category of small passenger vehicles, so the base costs are essentially the same, starting at around 950 yuan annually. But don't think that's the end of it—every time I get insured, I notice that commercial insurance might vary, such as for vehicle damage insurance or third-party liability insurance, which can be adjusted based on the vehicle model or engine displacement. When it comes to actual payments, I once had a friend who drove a 6-seater, and the premium was still the same as for a 5-seater, with only minor regional discounts from certain insurers making a slight difference. So, when buying a 6-seater, there's no need to worry about additional insurance burdens. However, to be on the safe side, I recommend checking local policies or consulting the insurance company directly to ensure the overall premium is reasonable. Safety comes first when driving—compulsory traffic insurance covers third-party safety, so don't overlook regularly checking your policy.
Those who pay attention to insurance details know that compulsory traffic insurance is legally mandated, with premiums primarily determined by the number of vehicle seats and type. In the private car category, the base premiums for 5-seat and 6-seat vehicles are exactly the same, as both are classified as small passenger vehicles with fewer than 6 seats, subject to a unified rate. For instance, I've insured multiple times, and the data has always been consistent. However, the total premium may vary due to factors like traffic violation records or regional differences affecting floating rates. Commercial insurance, such as comprehensive or theft coverage, doesn't necessarily follow this pattern, as the number of seats can influence the assessment of certain coverages. As a car enthusiast, I find this quite reasonable, given that the purpose of compulsory insurance is to fairly protect third parties. It's always a good idea to check policy updates while maintaining your vehicle.
