Insurance is an effective mechanism for protecting the property interests of both persons injured in road accidents and persons responsible for causing harm. With the insurance of civil liability of vehicle owners, it is achieved the goals of protecting the economic interests of possible damage causers, as well as protecting the property interests of third parties who may be injured. The introduction of compulsory motor vehicle liability insurance in our country has made it possible to remove a number of issues, both material and social, arising from the road accidents. The development of this segment is now difficult, since it is a low-profitable sphere of insurance business due to a whole range of problems. The state is trying to solve current problems, but these measures often have a point nature and the positive result of their impact is quickly exhausted. It is necessary to solve a whole series of issues not only in the economic sphere. The purpose of the study in this article was to study the status of the civil liability insurance market for vehicle owners in Russia, to identify the factors that affect its functioning, as well as negative trends that impede its normal development. We made a conclusion about the need for a systematic approach to solving the problems of this segment.