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Car maintenance costs

How to save on car maintenance and repairs

How much does maintenance cost?

Knowing the average costs of car maintenance can help you save for future repairs. According to the Canadian Automobile Associate (CAA), the average cost for routine, scheduled car maintenance runs between $500 and $700 per year.

That number factors in the recommended maintenance for your car, but does not include tire replacement and extended warranty costs. If you want to factor in purchasing a full set of winter tries, budget in an additional $600 to $800, and then a little more for installation. According to these averages, you should plan to spend the equivalent of roughly $150 per month on maintenance.

Common car repairs and costs

Maintenance or repairCost estimatesWhen to repair
Oil and filter changes$50–$100Every 5,000 to 7,500 kilometres
Tire rotation$25–$50Every 8,000 to 12,000 kilometres
Tire replacement$80–$200 per tireAt 4/32” tread depth
Brake pad replacement$300–$800Every 40,000 to 75,000 kilometres
Fluid flushes$150–$350Every 2–3 years

Cars with low maintenance costs

Save on future maintenance by comparing some of the cheapest cars to fix and maintain.

  • Chevrolet Spark. Features a compact size with high gas mileage, reducing basic travel costs.
  • Toyota Corolla iM. Requires low maintenance, allowing you to add miles by the tens of thousands before addressing most maintenance needs.
  • Hyundai Sonata. Includes a low-fuss maintenance schedule. Hyundai also offers eco and hybrid models.
  • Chevrolet Impala. Features stop and start technology to reduce fuel costs. Also comes in a V6 version.
  • Chevrolet Camaro. Comes in a V6 and a V8 model with high-performance engines.
  • Dodge Challenger SRT. Includes four-wheel drive and V8 versions. One model also features fuel-saving technology, offsetting its high-speed performance.
  • Acura ILX. Low sticker price compared to other entry level luxury cars. Features a lightweight engine and dual-clutch transmission for smoother automatic shifting. Also comes with optional backup sensors and road navigation assistance to minimize accidents.
  • Nissan LEAF. An electric vehicle with a low entry price, moderate range of distance and driver safety assistance. Owners may also receive tax cuts for using a green vehicle.

Cars with high maintenance costs

Watch out for these cars and their high maintenance and repair costs.

  • Chrysler Sebring. Low fuel economy and a low-power engine.
  • Nissan Murano. Lacks rear visibility and controlled steering for safety.
  • Mercedes-Benz E350. Hefty ticket price, low fuel economy and low reliability ratings. These ratings could mean more repairs.
  • Dodge Grand Caravan. Average fuel economy and below average crash test safety ratings in some categories. This van may require more repairs for maintenance and in accidents.
  • Audi A4 Quattro. Average reliability and highway gas mileage, more expensive repairs.

Ready to buy a new car? See how much you can save when you trade in your old one

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Name Product Max. Vehicle Age Mileage Range Available Provinces Vehicle Payment Link
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How do maintenance costs affect insurance rates?

In some cases, your car’s maintenance costs can influence your insurance premium. For example, if you own a standard model sedan, your insurance rates will likely be cheaper than a luxury sports car.

Insurance companies know that a luxury sports car will cost more to repair due to its specialized, imported parts, while standard sedans may have simple repairs with parts found all across the country.

Get a free car insurance quote online

1 - 3 of 3
Name Product Accident Forgiveness Min. Liability Coverage Discounts Available Online Claims Available Provinces
Surex Auto Insurance
Yes
$1,000,000
Up to 25%
Alberta, New Brunswick, Newfoundland, Northwest Territories, Nova Scotia, Nunavut, Ontario, PEI, Yukon
Submit one application and receive quotes from 10+ insurers. Save up to 25% on your car insurance, plus get access to an insurance advisor.

Who it might be good for: Drivers looking to use an insurance broker to compare multiple pricing and coverage options.
Aviva Car Insurance
Yes
$1,000,000
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Aviva car insurance offers customizable policies, discounts and optional insurance coverage add-ons. Get a free quote through Surex.

Who it might be good for: Drivers looking to customize their auto policy.
Travelers Car Insurance
Yes
$1,000,000
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Travelers auto insurance offers a selection of coverage options for just about any type of vehicle. Get a free quote through Surex.

Who it might be good for: Drivers looking to get car, motorcycle, classic car, motorhome or recreational vehicle coverage.
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Ask an expert: How often do I need to service my car?

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Felix Maxwell

Founder of Junk Car Medics (US)

Your owner’s manual will give you guidelines on oil change intervals. While many cars can observe the standard interval of 7,500 miles or more [approximately 12,000 km], some vehicles will qualify for the more frequent “severe service” oil change interval. Severe service calls for an oil change every 3,000 miles [approximately 4,800 km].

The severe service interval is suggested if you do a lot of short trips in cold weather, extensive highway driving in hot weather, regular driving in heavy stop-and-go traffic, drive your car in dusty or dirty conditions, tow regularly, or tend to drive through mountainous or hilly terrain. If this sounds like your usage pattern, more frequent oil changes will prolong your engine’s life, decrease its wear, and improve its reliability.

What factors go into maintenance costs?

Maintenance costs will differ between vehicles for a variety of reasons. Main factors that influence the cost include the type of repair, the vehicle’s make and model and the service provider.

  • Type of repair. Some repairs involve more work, require special equipment or carry more importance to the car’s upkeep than others.
  • Amount of work. Due to the level of expertise involved, car mechanics charge a high hourly fee.
  • Vehicle make and model. The kind of car can influence how repairs must be done. A mechanic may need to remove parts to access another. In other cases, the car might require special parts or equipment to do the repair.
  • Service provider. Local mechanic shops may cost less for repairs than larger ones, who have more business overhead. And specialty mechanics generally charge higher fees.
  • Replacement parts. Some parts cost more than others due because of their safety features or importance for the car’s performance.

What’s the best way to cover maintenance and repair costs?

There’s more than one way to cover car repairs. You’ll need to weigh the options based on your car and financial situation.

  • Vehicle warranty. New cars come with a basic manufacturer warranty, typically for 3 to 5 years. After that, you can purchase an extended warranty from the manufacturer, and its cost is usually added into your car loan. Choose a warranty that covers your car from bumper to bumper or covers only certain parts like the engine.

The downside is that your warranty will eventually run out. And even while vehicle warranties are active, they don’t usually cover the cost of regular maintenance due to normal wear and tear.

  • Prepaid car maintenance. Some dealers will offer prepaid car maintenance plans on new cars. With this option, you would pay a set amount upfront and then take your car to regularly scheduled maintenance visits.

However, one downside is that the car dealer’s maintenance schedule might not align with manufacturer recommendations — and you might already be covered for certain maintenance with your car warranty.

  • Out of pocket. You can choose to pay maintenance expenses out of pocket. This option works best for those who keep a regular car expense savings account or emergency fund.
  • Car repair loan. If you’re stuck with an emergency car expense that you can’t pay for, a car repair loan can help you get money quickly to pay the mechanic. These often take the form of a payday loan or personal loan, though a small repair could be put on your credit card.

Unfortunately, you’ll need to pay interest on any loan or credit charge, which can be pricey. It’s a good backup plan if you don’t have any other way to cover car repairs.

Compare loans to cover your car repairs or to purchase a new vehicle

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Name Product Ratings APR Range Loan Amount Loan Term Broker Compliance Requirements
Spring Financial Personal Loan
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Customer Survey:
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10.8% - 46.99%
$500 - $35,000
6 - 60 months
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Loans Canada Personal Loan
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Customer Survey:
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6.99% - 46.96%
$300 - $50,000
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Requirements: min. credit score 300
LoanConnect Personal Loan
Finder Score:
★★★★★
Customer Survey:
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8.99% - 46.96%
$500 - $50,000
3 - 120 months
LoanConnect is a loan search platform with access to multiple lenders. Applicants will be matched with a suitable lender based on credit history and borrowing requirements.
Requirements: min. credit score 300
easyfinancial Personal Loan
Finder Score:
★★★★★
Customer Survey:
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9.99% - 46.96%
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Mogo Personal Loan
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9.90% - 46.96%
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Fig Personal Loans
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12.99% - 31.99%
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$500 - $10,000
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1 - 6 of 6
Name Product Ratings APR Range Loan Amount Loan Term Requirements Broker Compliance
CarsFast Car Loans
Customer Survey:
★★★★★
3.90% - 29.90%
$500 - $75,000
12 - 96 months
Requirements: Min. income of $2,000 /month, 3+ months employed
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Loans Canada Car Loans
Customer Survey:
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0% - 46.96%
$500 - $50,000
3 - 60 months
Requirements: Min. income of $1,800 /month, 3+ months employed
Loans Canada is a loan search platform. Get matched with a suitable dealer based on your credit history and borrowing requirements.
Approval Genie
Not yet rated
3.90% - 29.90%
$500 - $75,000
12 - 96 months
Requirements: Min. income of $2,000 /month, 3+ months employed, Ontario only
Get customized car loan and auto financing solutions for a used vehicle that fits your budget and lifestyle.
Dealerhop Car Loans
Not yet rated
6.99% - 29.99%
$7,000 - $50,000
3 - 120 months
Requirements: Min. income of $2,000 /month, 3+ months employed
Dealerhop matches you with a dealer partner to get you financing.
Clutch Car Loans
Customer Survey:
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From 8.49%
$7,500 - No max.
12 - 96 months
Requirements: 3+ months employed, Max.1 bankruptcy, Ontario & Nova Scotia only
Apply for financing with online dealer Clutch, who partners with some of Canada’s largest financial institutions to get you competitive interest rates.
CarDoor Car Loan
Customer Survey:
★★★★★
From 7.99%
$5,000 - No max.
12 - 96 months
Requirements: 3+ months employed, Max.1 bankruptcy, Ontario only
Online dealer CarDoor works with multiple lenders to help you get a competitive interest rate. Apply for financing directly with CarDoor and get help every step of the way.
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Bottom line

Car maintenance and repairs don’t have to take you by surprise. By knowing average costs and understanding your car’s maintenance schedule, you can prepare ahead of time to choose the best financing option for your budget.

Compare car repair financing and cheap car insurance to help save on your car maintenance costs.

Common questions about car maintenance costs

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