What owning a car in the UK really costs in 2026
Average and median annual cost, cost per mile, and how depreciation, fuel, insurance, servicing and tax split the total across the cars we have analysed.
Enter a registration or VIN. We pull the car's official record, then estimate what it's likely to cost you to own each year.
UK number plate or 17-character VIN
Price, insurance, MOT, tax, repairs, depreciation. Enter one plate and the guesswork becomes a clear yearly plan.
11,682vehicle checks today
“Had a Golf and a Focus on my shortlist. The Focus looked cheaper until I saw the yearly total side by side.”
“Simple, quick and it told me what I actually wanted to know.”
“I was about to buy a three-year-old SUV and the depreciation figure stopped me in my tracks. Went for something a bit older instead.”
“Really useful for comparing a hybrid against a diesel. Would love a few more insurance options, but the overall picture was spot on.”
“The MOT history alone was worth it. Same advisory three years running on the car I nearly bought.”
“Finally understood why my last car felt so expensive. This time I checked first.”
“Compared three small hatchbacks for my daughter. Made the conversation much easier when the numbers were all in one place.”
“Thought an EV would cost me more. It was the other way round for my mileage.”
“Clear layout, no fluff. Took about two minutes.”
“I like that it shows where the money goes each year rather than just one big scary number.”
“Dealer said the car was “cheap to run”. The breakdown told a slightly different story. Glad I looked.”
“Used it on four estates before settling on one. Saved me a weekend of spreadsheets.”
“Brilliant for first-time buyers. I had no idea tax and insurance varied that much between models.”
“Good tool. The depreciation curve was the bit that changed my mind.”
“Checked a private sale before driving two hours to view it. Mileage history matched, the MOT was clean and the running costs were what I’d budgeted for, so I bought it that day.”
“Straightforward and honest. Exactly what car buying needs.”
“Swapped from a petrol SUV to a plug-in hybrid after comparing the two. Running costs have come down noticeably.”
“The side-by-side comparison is the best bit. Two cars, one page, no guesswork.”
“Helpful for budgeting. I now put a bit aside each month for the bits I used to forget about, like tyres.”
“Wish I’d found this before my last car.”
“My partner wanted the bigger SUV, I wanted the estate. The yearly cost settled it in about thirty seconds.”
“Very clear on EV charging versus petrol for my commute. I hadn’t factored in home charging properly before.”
“Quick check on a car I saw online. Saved me a wasted trip.”
“Liked the depreciation section. Would be nice to save more comparisons at once, but it does the job well.”
“Bought my first car with a much better idea of what it would cost me over the year. Took the anxiety out of it.”
“I compare cars for a living and this is now my first stop for running costs.”
“Didn’t realise how much insurance group mattered until I saw it laid out.”
“Nice and calm compared to most car sites. No pushy pop-ups, just the numbers.”
“Narrowed five hatchbacks down to two using the yearly totals, then test drove those. Easy.”
“Good value. I ran checks on a few cars before committing and it helped me negotiate.”
“Spotted a gap in the MOT history that the seller hadn’t mentioned. Walked away.”
“Perfect for comparing a Model 3 with a 3 Series. Not the result I expected.”
“Clear, quick, useful.”
“Used it when replacing my mum’s car. She wanted something cheap to run and this made the choice obvious.”
“The cost breakdown is excellent. Took me a minute to find the comparison view but worth it.”
“The depreciation number on a nearly-new premium SUV was eye-opening. Bought a two-year-older one instead and I’m happy.”
“Ran checks on three Qashqai alternatives. The yearly cost range was much wider than I’d assumed.”
“Feels trustworthy. Explains where the figures come from without drowning you in detail.”
“We’re a two-car household and this helped us work out which one to replace first.”
“Handy for EV research. I’d like more on battery health, but running costs were clear.”
“Saw the tax band jump on the newer model and went for the previous year instead.”
“Great for checking a car before handing over a deposit.”
“My dad and I compared four family cars over a cup of tea. Took ten minutes and we agreed on one, which never happens. Seeing insurance and depreciation side by side did most of the arguing for us.”
“The MOT advisories made it obvious the car was going to need work soon.”
“Straight to the point. I’d recommend it to anyone buying used.”
“I nearly bought a diesel for mostly short trips. The comparison showed a petrol hybrid made more sense for me.”
“Really like the yearly total. Makes it easy to compare cars that look similar on price.”
“Avoided a car that had failed on brakes twice. Thank you.”
“Swapping to an EV felt like a leap. Seeing the running costs laid out next to my current car made it feel sensible.”
“Useful and easy to follow. Took a couple of checks to get used to the layout.”
“It showed me the true cost of the “bargain” I was looking at. Not such a bargain after all.”
“I recommend it to friends whenever they mention buying a car.”
“Compared a Yaris, a Jazz and a Clio. The differences were small but clear, and it helped me pick confidently.”
“Good to see depreciation treated as a real cost. Most people forget it.”
“Brilliant before a private sale. Everything I needed in one report.”
“Solid. Insurance estimate was in the right ballpark for me.”
“Checked my company car options against each other. Made the choice very easy.”
“Very reassuring as a first-time buyer. I knew roughly what to expect each month before I signed anything.”
“Spotted that the car I liked loses value much faster than its rival. Easy decision after that.”
“Quick, tidy and no nonsense.”
“I like that it doesn’t pretend to know everything. Clear about what’s an estimate and what’s official.”
“Compared a used Leaf with a used Corsa-e for my town driving. Really helpful.”
“Good overview of costs. I used it alongside a mechanic’s inspection and the two agreed.”
“Changed my mind on a car the morning I was due to collect it. Glad I checked.”
“The yearly running cost made budgeting for my new job’s commute far less stressful.”
“Lovely, clean design and genuinely useful. Rare for a car site.”
“We compared a 7-seater diesel against a hybrid. The hybrid won for us once everything was counted.”
“The MOT history showed mileage that didn’t add up. Saved me a headache.”
“Clear and helpful. Would use again for my next car.”
“Now I check every car before a viewing. It’s part of the routine.”
“Running costs for the EV I wanted were lower than my current petrol hatch. That sealed it.”
“Great way to sense-check a dealer’s claims.”
“Compared two near-identical crossovers and found one was noticeably cheaper to insure. Small thing, but it adds up.”
“Easy enough for my nan to use, which says a lot.”
“The depreciation estimate felt realistic compared with what I saw in the classifieds.”
“Used it to decide between keeping my old car and replacing it. Kept it for another year.”
“Really clear on tax. The expensive car supplement caught me out once — not again.”
“Shortlisted four cars, checked them all, bought the one I could actually afford to run.”
“Helped me explain to my son why the cheaper car to buy wasn’t the cheaper car to own.”
“Clean MOT record and sensible running costs. Bought it the same afternoon.”
“Very good. I’d like to see more on servicing intervals, but the totals were useful.”
“Took the guesswork out of choosing our first electric car.”
“Made me realise the premium badge was costing me a lot more than I thought each year.”
“The comparison page is brilliant. I sent it to my partner and we decided over dinner.”
“A friend recommended it and now I see why.”
“Needed room for the dog and the kids. Compared an estate with a crossover and the estate was the clear winner on cost.”
“Helpful snapshot before buying. Clear about which numbers are estimates.”
“Stopped me buying a car with a long list of corrosion advisories.”
“Worked out that a slightly older model with a lower tax band suited me better. Happy with the choice.”
“Felt far more prepared walking into the dealership.”
“Compared three plug-in hybrids. Seeing fuel and electricity costs together was really clear.”
“The best explanation of depreciation I’ve seen. Short and to the point.”
“Good tool, fair price. Used it for two cars and it paid for itself in peace of mind.”
“Now our whole family uses it before buying anything with wheels.”
“Helped me pick between a Kona Electric and a Niro. Both great, but one suited my mileage better.”
“Checked before a 200-mile round trip to view a car. The MOT history made the trip worth it.”
“I trust the numbers because it tells you where they come from.”
“Ran my current car through it out of curiosity and finally understood my monthly spending.”
“The yearly figure helped me pick a car that fits my budget, not just my wish list.”
“Nice and quick on mobile. Did my checks from the forecourt.”
“Looked at three nearly-new SUVs. The depreciation difference between them was huge.”
Illustrative member stories, shown while we collect reviews.
One registration, one report. Tap a folder to see what's inside.
We combine the official record with clear ownership assumptions, so every cost can be seen, understood and compared.

Pay once for the checks you need. The more cars you compare, the less each check costs.
You've found the one and want to be sure.
Compare your shortlist before you choose.
Shopping for several cars, or helping family buy.
Buying for a business? Ask us about business terms. Talk to us
Everything people usually ask before their first check. All FAQs or get in touch.
You pay per report: a Single Check is £5.99, and packs of 5 (£22.49) and 10 (£39.99) bring the price per check down to £4.50 and £4.00. No subscription is needed, and pack credits never expire.
Usually 20 to 30 seconds. Enter a registration or VIN and the full report is built from the official records and our cost models while you wait. If an official source is slow to respond, it can take a little longer.
Yes. 73 Auto uses official UK vehicle records, including DVLA and DVSA data where available.
A 73 Auto report can include depreciation, urban costs, fuel or energy, insurance, Service & MOT, maintenance and repairs, VED, tyres, roadside assistance and finance or leasing inputs.
No. 73 Auto provides modelled estimates based on available data and user assumptions. Actual costs can change because of market conditions, mileage, vehicle condition, driving style, finance terms, insurance quotes and other factors.
No. Credits from one-off packs do not expire. They remain in the user account until they are used.
The rule changes and numbers that affect what your car costs, explained by the 73 AUTO team.
ResearchAverage and median annual cost, cost per mile, and how depreciation, fuel, insurance, servicing and tax split the total across the cars we have analysed.
Electric cars now pay the standard VED rate, and the Expensive Car Supplement threshold moved too.
StudyCategory by category, with sample sizes and limitations disclosed.
Who pays it, how much, and the five-year window that decides when it stops.
Current status, expiry and every DVSA test, with defects and recorded mileage.
Check the full cost of ownership before you buy.