Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

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

1 - 1 of 1
Name Product Max. Vehicle Age Mileage Range Free Pickup Vehicle Payment Link
Clutch Sell or Trade Your Car
2012 or newer
From Halifax & Saskatoon only
eTransfer funds in 1 business day
Go to site
More Info
Sell or trade-in your car without the hassle. Upload basic information and get an instant offer. Get the vehicle picked up from your driveway.

Compare up to 4 providers

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 - 4 of 4
Name Product Accident Forgiveness Min. Liability Coverage Discounts Available Online Claims Available Provinces
Surex Auto Insurance
Up to 25%
Alberta, New Brunswick, 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.
Onlia Car Insurance
Over $500*
Get premium auto insurance coverage with Onlia. Save money on your auto insurance through safe driving discounts and bundling insurance options.

Who it might be good for: Drivers in Ontario looking to save on insurance costs by driving safely.
Aviva Car Insurance
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
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.

Compare up to 4 providers

Ask an expert: How often do I need to service my car?

Junk Car Medics Logo

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

Name Product Interest Rate Loan Amount Loan Term Requirements Link
Loans Canada Personal Loan
5.40% - 46.96%
$300 - $50,000
3 - 60 months
Requirements: min. credit score 300
Go to site
More Info
SkyCap Financial Personal Loan
12.99% - 39.99%
$500 - $10,000
9 - 60 months
Requirements: min. income $1,600/month, stable employment, min. credit score 550, no bankruptcy
Go to site
More Info
Spring Financial Personal Loan
17.99% - 46.96%
$500 - $15,000
9 - 48 months
Requirements: min. income $1,800/month, 3+ months employed, min. credit score 500
Go to site
More Info
Loanz Personal Loan
29.90% - 46.90%
$1,000 - $15,000
12 - 60 months
Requirements: min. credit score 570, min. income $1,200/month, 3+ months employed
Go to site
More Info
LoanConnect Personal Loan
6.99% - 46.96%
$100 - $50,000
3 - 120 months
Requirements: min. credit score 300
Go to site
More Info
Mogo Personal Loan
9.90% - 46.96%
$200 - $35,000
6 - 60 months
Requirements: min. income $13,000/year, min. credit score 500
Go to site
More Info

Compare up to 4 providers

1 - 7 of 7
Name Product APR Loan Amount Loan Term Requirements Long Table Description
CarsFast Car Loans
4.90% - 29.90%
$500 - $75,000
12 - 96 months
Requirements: Min. income of $2,000 /month, 3+ months employed
Loans Canada Car Loans
0% - 31.99%
$500 - $35,000
24 - 120 months
Requirements: Min. income of $1,800 /month, 3+ months employed
0% APR for new cars only, used car rates start at 7.99%. 0% financing depends on lender, loan term and other factors.
Coast Capital Car Loan
18 - 84 months
Requirements: Able to service debt payment of $300/month
Clutch Car Loans
From 3.90%
$7,500 - No max.
12 - 96 months
Requirements: 3+ months employed, Max.1 bankruptcy
Carloans411 Car Loans
1.90% - 19.99%
$500 - $50,000
Up to 72 months
Requirements: Min. income of $1,600 /month, 3+ months employed
Canada Auto Finance
6.79% - 29.95%
$500 - $45,000
3 - 96 months
Requirements: Min. income of $1,500 /month, 3+ months employed
Splash Auto Finance
9.90% - 31.00%
$5,000 - $50,000
24 - 84 months
Requirements: Min. income of $2,200 /month, 3+ months employed

Compare up to 4 providers

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

More guides on Finder

  • How to lower car insurance costs

    You don’t need to pay more for car insurance than necessary. Find out the 9 easiest ways to pay less and save on your monthly car insurance bill.

  • Hyundai Elantra insurance rates

    The average Hyundai Elantra car insurance cost is $290 a month, or $3,474 a year. Compare different insurance providers to find the best price.

  • aha car insurance review

    aha car insurance is an optimal solution for individuals in Ontario that want quick, stable coverage.

  • Onlia car insurance review

    Onlia auto insurance is a favourable solution for individuals that want quick, easy-to-understand coverage.

  • Honda Accord insurance rates

    The average Honda Accord car insurance cost is $249 a month, or $2,988 a year. Compare different insurance providers to find the best price.

  • How much does Audi R8 insurance cost?

    Car insurance rates for the Audi R8 average at $406 a month, or $4,872 a year. Learn what features affect its car insurance rates.

  • How your driving record affects car insurance rates

    Find out what shows up on your driving record, how insurers use your record and tips to improve it.

  • How much does Honda CR-V insurance cost?

    The average Honda CR-V car insurance cost is $190 a month, or $2,280 per year. Learn how to compare different insurance providers to find the best price.

  • Audi A4 insurance cost

    Audi A4 car insurance can cost an average of $354 a month or $4,224 a year. Learn what factors affect your rate and compare providers.

  • Cheapest cars to insure

    Use our our helpful guide to compare the cheapest and most expensive cars to insure.

Ask an Expert

You must be logged in to post a comment.

Go to site