Maintenance costs for your car: You have to expect these costs per month

The cost of maintaining a car is often underestimated. In addition to the purchase costs for fuel, insurance, tax and maintenance are added every year. But what does a car cost each month? We calculate the cost of a car and present a summary infographic.

You have to expect these costs

How expensive the maintenance costs for a car are is very different. At first glance, having your own vehicle does not seem so expensive, but every month, follow-up costs are incurred. You must pay attention to all these costs:

Of course you can not say exactly what a car costs per month. Depending on the type of class, equipment, your age, your accident risk or your region, different sums apply to you. Roughly, you can expect for a small car with 200 Euro maintenance costs per month, with a car of the middle class often even twice as much.

So that you can estimate the cost of your dream car approximately, we have made a rough example calculation for a used VW Golf V for you. This model is one of the most popular cars of the Germans.

acquisition cost

A new car is normally more expensive than a used car. He also has a much higher loss of value. For a used car fuel consumption, repair risk and insurance costs are usually higher. Even with safety, manufacturer’s warranties and state of the art used cars can not score points.

Nevertheless, you drive with a used car usually cheaper: When you buy but you should definitely check all the important points by an expert, our car purchase checklist can also help you. If early repair or main inspection costs are due, the same can be very expensive.

Checklist for buying a car
Bring an expert to buy a car to avoid a bad buy. © iStock / Lux_D

For an approximate asking price, you can view the list of ADACs with average used car prices 2017. You should also pay attention to the costs of car registration and registration. They are with 30-50 euro but not very high.

Acquisition costs for the VW Golf V: Depending on the equipment, engine and mileage, the models of the Golf V differ naturally. They are between 2,000 and 18,000 euros, on average you can count on about 6,000-7,000 euros.

fuel costs

Whether gasoline or diesel, here there is no clear winner. The fuel costs are cheaper with diesel. Purchase value, taxes and insurance but are cheaper for gasoline. Depending on how much and which model you drive, you need to consider: are the lower diesel fuel costs worth it compared to the higher other costs?

Basically, the smaller the vehicle and the less the mileage, the more likely a petrol engine is worthwhile. You can also save a lot while driving if you always look for the cheapest petrol stations nearby by app or website.

Current fuel costs: The average gasoline fuel costs in 2016 were approximately 1.29 euros per liter. The average price of diesel in 2016 was around € 1.07. For example, assuming 7 l / 100 km and 15,000 km per year, the 2016 would have been about 1,350 euros fuel costs and 1,120 euros diesel fuel costs.

Car insurance

How much car insurance costs depends on many things. Important are for example  type class , damage-free discount, the driver’s circle, driven kilometers per year and the registration district.

As a novice driver you pay more because your accident risk is a lot higher. But you can save by transferring the damage-free discount , an agreed deductible or insurance as a second car .

Motor liability insurance is required by law and pays for damage caused to others. Partial and full insurance are voluntary. The comprehensive insurance will pay if your own vehicle has been damaged. This can be, for example, damage from a wildlife accident or fire. The partial coverage pays for the most common claims. The full insurance also pays for damage such as vandalism or self-induced accident damage to your own car. You can check which insurance sum you can expect directly in our car insurance calculator .

Telephone with the car insurance in case of glass damage
With the right insurance, you save a lot of money on damage to the car. © iStock / Daisy-Daisy

Car insurance for the VW Golf V: An exact number to call is not possible. The insurance can be between 100 and over 1,000 euros a year. Assuming partial coverage and 4 years non-infringement, you can count on roughly 500 Euro per year.

Road tax

With the motor vehicle tax, the infrastructure is rehabilitated and the environment preserved. The vehicle tax depends on the size of the cubic capacity, the pollutant emissions and the date of first registration. The lower the pollutant your car is, the lower the vehicle tax. That’s why you pay for diesel cars a higher and for electric cars (almost) no vehicle tax. The tax calculator of the Ministry of Finance can help you.

Vehicle tax for the Golf V: Depending on the first registration, engine type and engine capacity, the car insurance can cost approximately between 100 and 300 euros per year.


The loss in value of a new car is enormous. In the first year, its value drops by about 25 percent. Over the years, it settles at 5 to 6 percent. The depreciation depends on various factors such as the type of vehicle, the manufacturer’s image, the state compared to the age of the vehicle, the mileage or marketability. With good care and maintenance, you can positively counteract the loss of value.

Loss of value for the Golf V:  The older the car, the lower the depreciation sum, of course. A Golf V from the year 2008/2009 has a current loss in value of about 500 – 1.000 Euro per year. Of course, that depends on the model and thus the new price.

Oil change for maintenance of the car
Good care is important to reduce depreciation. But there are maintenance costs on you. © iStock / Ensup

maintenance costs

Do not underestimate the maintenance costs: Every two years your car has to go to the main inspection , it costs about 100 Euro. At least once a year, the oil must be changed, which costs about up to 100 euros.

Wear parts such as alternator, brakes, exhaust or tires must be replaced over time. Problems of electronics are usually the most expensive. A  marten damage, Hageldellen or theft are all costs that are not covered with any insurance.

Maintenance costs for the Golf V: Depending on the model and mileage and without any particular damage, you can count on about 30 euros per month. That’s 360 euros in maintenance costs a year.

Maintenance costs of electric cars and natural gas cars

The advantage of electric or natural gas cars is environmental friendliness. If you only look at the costs, they are not always useful.

When is an electric car worthwhile?

Electric cars cost much more when you buy them. Despite the environmental bonus, they often cost twice as much as a gasoline or diesel. For the maintenance costs are cheaper.

  • Electricity costs less than the normal fuels. Of course, this always depends on the electricity price.
  • Vehicles registered between 2016 and 2020 are exempt from motor vehicle tax for 10 years.
  • Some insurance companies offer discounts for electric cars. Because the cars are fairly new, you should almost always take out a fully comprehensive insurance.
  • There is not much to say about the loss of value, because the number of electric cars is still low.
  • The maintenance costs are lower because there are hardly any wearing parts and few moving elements. Oil and filter changes are eliminated.

If you drive a lot, the higher purchase price for an electric car can pay off after a few years. For many, an electric car is worthwhile only when the prices are cheaper.

When is a natural gas car worthwhile?

Even a natural gas car is significantly more expensive in the acquisition or conversion costs. Natural gas is not only more environmentally friendly, but also cheaper than gasoline, diesel or LPG. But remember that natural gas is not available at many gas stations. That’s why you should plan your trip well, especially abroad.

Usually you can retrofit any car with petrol engine. That’s not very cheap. The conversion is worth about 50,000-60,000 kilometers.

Save upkeep costs

The maintenance cost of a car is not cheap. But you can save good costs:

  • Calculate before the purchase, which costs would come to you in the month.
  • Check the car before you buy it. Bargains are not necessarily bargains.
  • Drive environmentally friendly, that also protects your wallet.
  • Take advantage of the benefits of the insurance such as the transfer of the no-claims discount .
  • Always compare fuel prices.

What does your car cost each month? In order to plan safely and to avoid unpredictable sums, our car insurance is worthwhile. Calculate your costs directly in our calculator .

We wish you a safe journey with your own car! Your AllSecur

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