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.
168vehicle checks today
“Had a Golf and a Focus on the shortlist. Focus looked cheaper til I saw the yearly totals next to each other lol”
“does what it says. quick and no faff”
“Was literally about to put a deposit on a 3 year old SUV. Saw the depreciation figure and nope. Got an older one in the end and I’m much happier with it tbh”
“Handy for hybrid vs diesel. Insurance bit could have a few more options but the overall numbers looked about right to me”
“The MOT history was worth it on its own. Same advisory 3 years in a row on the one I nearly bought, cheers”
“Finally get why my last car cost me a fortune. Checked this time round before buying”
“Used it for my daughter’s first car, compared 3 little hatchbacks. Much less of a row when the numbers are all there in front of you”
“I was convinced an EV would work out dearer. For my mileage it was the opposite, which I did not expect”
“Clean layout. Took me about 2 mins start to finish”
“Nice that it splits out where the money actually goes each year instead of one massive scary number”
“Dealer kept saying it was “cheap to run”. Breakdown said otherwise. glad I looked!!”
“Ran four estates through it before picking one. Saved me a weekend of spreadsheets, my husband was thrilled”
“If your a first time buyer use this. Had no clue tax and insurance were so different between models”
“Decent. The depreciation graph is what changed my mind”
“Checked a private sale before I drove 2 hours to see it. Mileage history lined up, MOT was clean and the running costs were about what I’d budgeted so I just bought it there and then”
“Straightforward, doesn’t try to sell you anything. Refreshing”
“Went from a petrol SUV to a plug in hybrid after comparing them. Fuel bill’s noticeably down already”
“Side by side comparison is the best bit for me. two cars one page done”
“Good for budgeting. I put a bit away every month now for stuff I used to forget about like tyres”
“wish I’d known about this before my last car ngl”
“Other half wanted the big SUV, I wanted the estate. Yearly cost sorted that one out in about 30 seconds 😂”
“Didn’t really think about home charging properly until I saw the EV vs petrol numbers for my commute. Eye opener”
“Quick check on one I found online. Saved me a wasted trip to Nottingham”
“Liked the depreciation section. Would be good to save a few more comparisons at once but it does the job”
“Bought my first car and actually knew roughly what it’d cost me over the year. Took a lot of the stress out of it”
“I look at cars for work and I use this for running costs now, it’s just quicker”
“Didn’t realise insurance groups made that much difference till it was all laid out”
“Not shouty like most car sites. No pop ups, just the numbers. Lovely”
“Got 5 hatchbacks down to 2 with the yearly totals then test drove those two. Easy”
“Ran a few cars through before committing and used it to haggle a bit. worked”
“Spotted a gap in the MOT history the seller “forgot” to mention. Walked away”
“Model 3 vs 3 Series. Not the answer I was expecting at all”
“clear, quick, useful”
“Mum needed a new car and wanted something cheap to run. This made it pretty obvious which one”
“Breakdown of costs is spot on. Took me a minute to find the compare bit mind”
“Depreciation on a nearly new premium SUV was a bit of a shock. Went 2 years older and honestly don’t miss anything”
“Looked at 3 Qashqai alternatives, the gap in yearly cost was way bigger than I thought it’d be”
“Tells you where the figures come from without going on and on about it. I trust it more for that”
“We’ve got two cars and couldn’t decide which to replace first. This helped”
“Good for EV stuff. Would like more on battery health but running costs were clear enough”
“Tax jumped on the newer model so I went for the year before. Simple as”
“Good to check before handing over a deposit”
“Me and my dad compared four family cars over a brew. 10 minutes and we actually agreed, which never happens. Insurance and depreciation side by side did most of the arguing for us”
“The advisories on the MOT made it pretty obvious it was going to need work soon”
“Does what it says on the tin, would recommend to anyone buying used”
“Was about to get a diesel for mostly short runs. Comparison showed a petrol hybrid made more sense for me, glad I checked”
“Yearly total makes it dead easy to compare cars that look the same on price”
“Car I was looking at had failed on brakes twice. Avoided that one, ta”
“Going electric felt like a big jump. Seeing the costs next to my current car made it feel a lot less scary”
“Useful. Took a couple of goes to get used to where everything is”
“That “bargain” I was looking at… wasn’t. Very glad I ran it first”
“I tell mates about it whenever they mention buying a car”
“Yaris v Jazz v Clio. Differences were small but you could see them, helped me pick”
“Good to see depreciation treated like a proper cost, everyone forgets about it”
“Great before a private sale, had what I needed in the one report”
“Insurance estimate was in the right ballpark for me. Solid”
“Used it to compare my company car options. Made the decision a lot easier than I thought it would be”
“As a first time buyer it was reassuring knowing roughly what I’d be paying each month before signing anything”
“The one I liked loses value way faster than the rival. Easy decision after that”
“no nonsense. sorted”
“I like that it doesn’t pretend to know everything, it’s clear what’s an estimate and what’s official data”
“Used Leaf vs used Corsa-e for town driving. Really helpful actually”
“Used it alongside a mechanic’s inspection and they pretty much agreed with each other”
“Changed my mind on a car the morning I was meant to collect it. Awkward phone call but glad I checked”
“New job, longer commute. Yearly running cost made budgeting for it way less stressful”
“Nice clean design and genuinely useful which is rare for a car site”
“7 seater diesel vs a hybrid, the hybrid won for us once everything was added up”
“MOT history showed the mileage didn’t add up. Saved me a massive headache”
“Clear and helpful, I’ll use it again next time”
“I check every car before a viewing now, it’s just part of the routine”
“EV I wanted was cheaper to run than my current petrol hatch. That sealed it really”
“good way to sense check what the dealer tells you”
“Two almost identical crossovers and one was noticeably cheaper to insure. Small thing but it adds up over a year”
“Easy enough my nan could use it, which says a lot”
“Depreciation estimate looked realistic compared to what I was seeing in the classifieds”
“Used it to work out whether to keep my old car or replace it. Kept it another year 👍”
“Got caught out by the expensive car tax supplement once. Not again”
“Shortlisted 4, checked all 4, bought the one I can actually afford to run”
“Finally helped me explain to my son why the cheapest car to buy isn’t the cheapest to own”
“Clean MOT record and sensible running costs, bought it the same afternoon”
“Very good. would like a bit more on servicing intervals but the totals were useful”
“Took the guesswork out of picking our first electric car”
“Turns out the premium badge was costing me a lot more every year than I thought”
“Sent the comparison page to my partner and we decided over tea”
“A mate recommended it and now I get why”
“Need room for the dog and the kids. Estate vs crossover, estate won easily on cost”
“Good snapshot before buying, and it’s upfront about which numbers are estimates”
“Stopped me buying one with a long list of corrosion advisories. Rust everywhere apparently”
“Slightly older model in a lower tax band suited me better. Happy with it”
“Felt way more prepared walking into the dealership this time”
“Compared 3 plug in hybrids. Having fuel and electric costs together was really clear”
“Best explanation of depreciation I’ve seen and its short”
“Fair price. Used it on 2 cars and it’s paid for itself in peace of mind”
“Whole family uses it now before buying anything with wheels haha”
“Kona Electric or Niro? Both great but one suited my mileage better”
“Checked before a 200 mile round trip to view a car. The MOT history made it worth the drive”
“I trust the numbers more because it shows where they come from”
“Put my current car through it out of curiosity. Finally understand where my money goes every month”
“Helped me pick a car that fits my budget, not just my wish list”
“Did my checks on my phone on the forecourt, quick enough”
“3 nearly new SUVs and the depreciation difference between them was massive”
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.
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.
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.
Credits from one-off packs stay 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.