The Russian insurance market is unevenly developed across regions, affecting the availability and quality of insurance products. Regional conditions shape the types of insurance available, but regulations often favor larger companies, leading to smaller regional organizations being pushed out. This disparity is worsened by increased regulatory requirements and financial pressures. As a result, consumers in different regions may not have equal access to insurance services or fair claims settlements. The study suggests the need for new criteria to evaluate regional insurance markets and proposes organizational and regulatory changes to improve market structure.