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The most and least affordable cars to run

Data & Guides Cars The most and least affordable cars to run

According to the United States Census Bureau, nine in ten U.S. households have access to at least one vehicle (91.6%). [1] United States Census Bureau, 'Selected Housing Characteristics', 2024 https://data.census.gov/table/ACSDP5Y2024.DP04 And for many, buying a car can be one of the most expensive purchases in their lifetime, but the costs don’t stop there. [2] Investopedia, 'The 2025 “American Dream” Now Costs More Than $5 Million', 2025 https://www.investopedia.com/2025-american-dream-costs-more-than-usd5-million-11796727

First conducted in 2024, this study considered the running costs of 50 top cars in 2026 to find out how much on average it costs to run a car, and the top models to choose if you want to minimize your annual expenditure. [3] U.S. News, 'Best Cars for 2026', 2026 https://cars.usnews.com/cars-trucks/rankings

To find out how much a car costs to run, the study took into account the average costs for four factors: annual fuel or energy costs, annual maintenance costs, annual insurance costs, and annual fees and taxes.

Separate from this, the study also analyzed the annual depreciation and the cost per month when bought with finance schemes. You can read more about these aspects later in the study.

Key statistics:

Contents

The average cost to run a car in the U.S.

Research shows that in 2025, the average cost of a new car was $49,077. [4] Insurify, 'Average Car Price in 2026: What Buyers Really Pay', 2026 https://insurify.com/car-insurance/knowledge/average-cost-car/ However, of the cars analyzed in the study, 23 vehicles were more expensive than that, ranging from $50,300 (Volvo V60) to $133,400 (Porsche 911).

However, when purchasing a new car, buyers shouldn’t just consider whether they can afford the upfront cost, but whether they can afford to run it too. The average car in this study costs $6,913 per year to run considering fuel and energy costs, insurance costs, maintenance costs, and annual fees and taxes. This is $451 more than the last time this study was conducted in 2024 ($6,462).

The average car in the study costs $6,913 per year to run, $451 more than the 2024 average of $6,462.

A quarter (25%) of all annual running costs go on fuel or energy costs, at an average of $1,727 a year. In 2024, the average annual amount spent on fuel or energy was $2,246, just over a third of all running costs. Although regular gasoline prices have increased by $0.352 per gallon since June 2024, to $3.831 per gallon in June 2026, [5] EIA, 'Gasoline and Diesel Fuel Update', 2026 https://www.eia.gov/petroleum/gasdiesel/ the last time this study was conducted, only three electric cars were included in the comparison. In the 2026 study, four hybrid vehicles and six fully electric vehicles were included, which may explain why the price of fuel is lower on average.

Just over a quarter (26.3%) of costs are spent on maintenance and repairs ($1,817 in 2026 – an increase from $1,633 in 2024), almost a third (32.1%) of costs are spent on car insurance ($2,219 – an increase from $1,763 since 2024) and the remainder going on annual fees and taxes ($1,151 – an increase from $820 in 2024).

The average annual cost to run a car

Expense 2024 Cost 2026 Cost Percentage of annual costs
Annual fuel costs $2,246 $1,727 25%
Annual insurance costs $1,763 $2,219 32.1%
Annual maintenance costs $1,633 $1,817 26.3%
Annual fees and taxes $820 $1,151 16.6%
Total $6,462 $6,913

However, these costs are dependent on the type of fuel used in the car: gasoline, electricity, or hybrid (which uses two types of fuel). Taking an average of the electric, gasoline, and hybrid cars in the study, the total cost to run an electric car per year is $6,189, a hybrid car costs $5,734 to run, and a gasoline car costs $7,025 to run per year.

The average annual cost to run a car per fuel type

Expense Electric Gasoline Hybrid
Annual fuel costs $829 $1,910 $1,228
Annual maintenance $1,606 $1,864 $1,714
Annual insurance $2,423 $2,155 $1,829
Annual fees & taxes $1,331 $1,096 $963
Total per year $6,189 $7,025 $5,734

The most affordable car models to run

Considering the cars analyzed, the FIAT 500e is the least expensive car to run in 2026, with an annual running cost of $3,557. In 2024, Tesla’s Model 3 was the least expensive car to run, with an annual running cost of $5,061.

FIAT 500e is the least expensive car to run in 2026, with an annual running cost of $3,557.

Compared to gasoline, energy costs for this electric car come to $779 per year – the third smallest amount in the analysis, only beaten by the Lucid Air and Tesla Model 3 ($699 each). Annual maintenance costs are also among the lowest of the cars analyzed, totaling $1,275. This is 29.8% below the study average of $1,817. Alongside the lower energy and maintenance costs, this vehicle has the cheapest insurance costs in the study, totalling $779 per year.

The Honda Civic Hybrid model claims the title of the 2nd least expensive car in the study, with an average running cost of $4,833. The annual fuel costs are among some of the lowest in the study ($996), and fees and taxes total $613, among the top 10 for most affordable.

Placing third is the Hyundai Elantra N, at $4,904. This car had the 4th lowest annual maintenance costs ($1,278), the 11th lowest insurance costs ($1,661), and the 5th lowest annual fees and taxes ($564).

Completing the top five are the Nissan Versa ($4,949) and the Toyota Camry ($5,031).

The top five least expensive car models to run per year:

  1. FIAT 500e: $3,557
  2. Honda Civic Hybrid: $4,833
  3. Hyundai Elantra N: $4,904
  4. Nissan Versa: $4,949
  5. Toyota Camry: $5,031

The 20 most affordable cars to run in the U.S.

Rank Brand Model Type Annual Fuel Cost Annual Maintenance Annual Insurance Annual Fees & Taxes Annual Running Cost
Rank 1 Brand Fiat Model 500e Type Electric Annual Fuel Cost $779 Annual Maintenance $1,275 Annual Insurance $779 Annual Fees & Taxes $724 Annual Running Cost $3,557
Rank 2 Brand Honda Model Civic Type Hybrid Annual Fuel Cost $996 Annual Maintenance $1,683 Annual Insurance $1,541 Annual Fees & Taxes $613 Annual Running Cost $4,833
Rank 3 Brand Hyundai Model Elantra Type Gasoline Annual Fuel Cost $1,400 Annual Maintenance $1,278 Annual Insurance $1,661 Annual Fees & Taxes $564 Annual Running Cost $4,904
Rank 4 Brand Nissan Model Versa Type Gasoline Annual Fuel Cost $1,558 Annual Maintenance $1,579 Annual Insurance $1,425 Annual Fees & Taxes $387 Annual Running Cost $4,949
Rank 5 Brand Toyota Model Camry Type Hybrid Annual Fuel Cost $966 Annual Maintenance $1,681 Annual Insurance $1,745 Annual Fees & Taxes $640 Annual Running Cost $5,031
Rank 6 Brand Honda Model Accord Type Hybrid Annual Fuel Cost $1,017 Annual Maintenance $1,699 Annual Insurance $1,610 Annual Fees & Taxes $721 Annual Running Cost $5,047
Rank 7 Brand Honda Model Civic Type Gasoline Annual Fuel Cost $1,324 Annual Maintenance $1,682 Annual Insurance $1,509 Annual Fees & Taxes $548 Annual Running Cost $5,062
Rank 8 Brand MINI Model Cooper Type Gasoline Annual Fuel Cost $1,509 Annual Maintenance $1,329 Annual Insurance $1,543 Annual Fees & Taxes $709 Annual Running Cost $5,090
Rank 9 Brand Kia Model K4 Type Gasoline Annual Fuel Cost $1,421 Annual Maintenance $1,498 Annual Insurance $1,635 Annual Fees & Taxes $538 Annual Running Cost $5,092
Rank 10 Brand Mazda Model Mazda3 Type Gasoline Annual Fuel Cost $1,534 Annual Maintenance $1,552 Annual Insurance $1,605 Annual Fees & Taxes $518 Annual Running Cost $5,208
Rank 11 Brand Dodge Model Charger Daytona Type Electric Annual Fuel Cost $911 Annual Maintenance $1,364 Annual Insurance $1,907 Annual Fees & Taxes $1,117 Annual Running Cost $5,298
Rank 12 Brand Tesla Model Model 3 Type Electric Annual Fuel Cost $699 Annual Maintenance $1,378 Annual Insurance $2,370 Annual Fees & Taxes $1,017 Annual Running Cost $5,464
Rank 13 Brand Hyundai Model Ioniq 6 Type Electric Annual Fuel Cost $884 Annual Maintenance $1,271 Annual Insurance $2,284 Annual Fees & Taxes $1,037 Annual Running Cost $5,476
Rank 14 Brand Acura Model Integra Type Gasoline Annual Fuel Cost $1,486 Annual Maintenance $1,705 Annual Insurance $1,606 Annual Fees & Taxes $699 Annual Running Cost $5,496
Rank 15 Brand Honda Model Accord Type Gasoline Annual Fuel Cost $1,464 Annual Maintenance $1,843 Annual Insurance $1,604 Annual Fees & Taxes $598 Annual Running Cost $5,509
Rank 16 Brand Volkswagen Model GTI Type Gasoline Annual Fuel Cost $1,726 Annual Maintenance $1,336 Annual Insurance $1,663 Annual Fees & Taxes $815 Annual Running Cost $5,540
Rank 17 Brand Kia Model K5 Type Gasoline Annual Fuel Cost $1,584 Annual Maintenance $1,666 Annual Insurance $1,768 Annual Fees & Taxes $704 Annual Running Cost $5,722
Rank 18 Brand Hyundai Model Sonata Type Gasoline Annual Fuel Cost $1,756 Annual Maintenance $1,404 Annual Insurance $1,891 Annual Fees & Taxes $724 Annual Running Cost $5,776
Rank 19 Brand Mazda Model MX-5 Miata Type Gasoline Annual Fuel Cost $1,610 Annual Maintenance $1,719 Annual Insurance $1,767 Annual Fees & Taxes $700 Annual Running Cost $5,797
Rank 20 Brand Ford Model Mustang Type Gasoline Annual Fuel Cost $1,756 Annual Maintenance $1,608 Annual Insurance $1,888 Annual Fees & Taxes $837 Annual Running Cost $6,089

The most expensive car models to run

Of the 50 car models on this list, which are the most expensive to run?

The Porsche 911 is the most expensive car to run in the analysis, with an annual running cost of $10,832 – $3,919 higher than the study average of $6,913. The Porsche 911 has the highest annual maintenance costs, at $3,149, the highest fees and taxes ($2,530) and the 5th highest insurance costs $2,906.

In comparison, when the study was last conducted in 2024, the research found that the Chevrolet Tahoe was the most expensive car to run, costing $8,644 at the time, $2,188 less than the Porsche 911.

The Porsche 911 is the most expensive car to run in the study: costing $10,832 a year.

The Audi RS 7 is next up with an annual running cost of $10,334. The annual gas costs ($2,684) and annual fees and taxes ($2,359) are higher than average, the most expensive aspects of owning an Audi RS 7 are the annual insurance costs ($3,438 – the 2nd highest in the study). However, maintenance costs ($1,852) are the 14th highest in the study.

The Cadillac CT5-V Blackwing is the third most expensive model in the list. The Cadillac CT5-V Blackwing has an annual running cost of $10,265 and has the 4th highest annual maintenance cost in the study at $2,743, but the highest fuel costs per year at $2,928.

Completing the top five are the Chevrolet Corvette ($10,213) and the Lucid Air ($10,049).

The top five most expensive car models to run per year:

  1. Porsche 911: $10,832
  2. Audi RS 7: $10,334
  3. Cadillac CT5-V Blackwing: $10,265
  4. Chevrolet Corvette: $10,213
  5. Lucid Air: $10,049

The 20 most expensive cars to run in the U.S.

Rank Brand Model Type Annual Fuel Cost Annual Maintenance Annual Insurance Annual Fees & Taxes Annual Running Cost
Rank 1 Brand Porsche Model 911 Type Gasoline Annual Fuel Cost $2,247 Annual Maintenance $3,149 Annual Insurance $2,906 Annual Fees & Taxes $2,530 Annual Running Cost $10,832
Rank 2 Brand Audi Model RS 7 Type Gasoline Annual Fuel Cost $2,684 Annual Maintenance $1,852 Annual Insurance $3,438 Annual Fees & Taxes $2,359 Annual Running Cost $10,334
Rank 3 Brand Cadillac Model CT5-V Blackwing Type Gasoline Annual Fuel Cost $2,928 Annual Maintenance $2,743 Annual Insurance $2,780 Annual Fees & Taxes $1,814 Annual Running Cost $10,265
Rank 4 Brand Chevrolet Model Corvette Type Gasoline Annual Fuel Cost $2,415 Annual Maintenance $2,855 Annual Insurance $2,798 Annual Fees & Taxes $2,146 Annual Running Cost $10,213
Rank 5 Brand Lucid Model Air Type Electric Annual Fuel Cost $699 Annual Maintenance $2,590 Annual Insurance $4,655 Annual Fees & Taxes $2,106 Annual Running Cost $10,049
Rank 6 Brand Audi Model S8 Type Gasoline Annual Fuel Cost $2,478 Annual Maintenance $1,843 Annual Insurance $3,382 Annual Fees & Taxes $2,106 Annual Running Cost $9,809
Rank 7 Brand Mercedes-Benz Model S-Class Type Gasoline Annual Fuel Cost $1,858 Annual Maintenance $2,829 Annual Insurance $2,975 Annual Fees & Taxes $2,116 Annual Running Cost $9,778
Rank 8 Brand BMW Model M5 Type Hybrid Annual Fuel Cost $2,165 Annual Maintenance $1,824 Annual Insurance $2,706 Annual Fees & Taxes $2,228 Annual Running Cost $8,923
Rank 9 Brand Audi Model S7 Type Gasoline Annual Fuel Cost $2,147 Annual Maintenance $1,876 Annual Insurance $2,901 Annual Fees & Taxes $1,587 Annual Running Cost $8,512
Rank 10 Brand Cadillac Model CT4-V Blackwing Type Gasoline Annual Fuel Cost $2,543 Annual Maintenance $2,365 Annual Insurance $2,379 Annual Fees & Taxes $1,208 Annual Running Cost $8,495
Rank 11 Brand Genesis Model G90 Type Gasoline Annual Fuel Cost $2,195 Annual Maintenance $1,821 Annual Insurance $2,723 Annual Fees & Taxes $1,662 Annual Running Cost $8,401
Rank 12 Brand Porsche Model Boxster Type Gasoline Annual Fuel Cost $2,013 Annual Maintenance $2,562 Annual Insurance $2,227 Annual Fees & Taxes $1,429 Annual Running Cost $8,230
Rank 13 Brand Audi Model S6 Type Gasoline Annual Fuel Cost $2,147 Annual Maintenance $1,794 Annual Insurance $2,816 Annual Fees & Taxes $1,406 Annual Running Cost $8,163
Rank 14 Brand Porsche Model Cayman Type Gasoline Annual Fuel Cost $2,013 Annual Maintenance $2,513 Annual Insurance $2,212 Annual Fees & Taxes $1,385 Annual Running Cost $8,123
Rank 15 Brand Audi Model A7 Type Gasoline Annual Fuel Cost $1,858 Annual Maintenance $1,763 Annual Insurance $2,623 Annual Fees & Taxes $1,342 Annual Running Cost $7,586
Rank 16 Brand Mercedes-Benz Model E-Class Type Gasoline Annual Fuel Cost $1,694 Annual Maintenance $2,295 Annual Insurance $2,333 Annual Fees & Taxes $1,244 Annual Running Cost $7,567
Rank 17 Brand Audi Model A6 Allroad Type Gasoline Annual Fuel Cost $1,858 Annual Maintenance $1,703 Annual Insurance $2,620 Annual Fees & Taxes $1,347 Annual Running Cost $7,529
Rank 18 Brand Honda Model Civic Type R Type Gasoline Annual Fuel Cost $2,715 Annual Maintenance $1,902 Annual Insurance $1,949 Annual Fees & Taxes $912 Annual Running Cost $7,478
Rank 19 Brand Audi Model A6 Type Gasoline Annual Fuel Cost $2,230 Annual Maintenance $1,713 Annual Insurance $2,398 Annual Fees & Taxes $1,028 Annual Running Cost $7,369
Rank 20 Brand BMW Model i7 Type Electric Annual Fuel Cost $1,002 Annual Maintenance $1,756 Annual Insurance $2,539 Annual Fees & Taxes $1,988 Annual Running Cost $7,286

The most and least expensive car brands to run

Of the 11 brands in the study that featured more than one vehicle in the list, the research found that Hyundai is the least expensive car brand to run, averaging at $5,385 per year. On the other hand, Cadillacs are the most expensive ($9,380).

Other car brands on the list of least expensive to run are Kia ($5,407) and Mazda ($5,503). Whereas Porsche ($9,062) and Mercedes ($8,672) ranked as the second and third most expensive car brands to run.

How much does the average car cost to run per brand?

Rank Brand Average fuel costs Average annual maintenance Average annual insurance Annual fees & taxes Total average per year
Rank 1 Brand Hyundai Average fuel costs $1,347 Average annual maintenance $1,318 Average annual insurance $1,945 Annual fees & taxes $775 Total average per year $5,385
Rank 2 Brand Kia Average fuel costs $1,502 Average annual maintenance $1,582 Average annual insurance $1,701 Annual fees & taxes $621 Total average per year $5,407
Rank 3 Brand Mazda Average fuel costs $1,572 Average annual maintenance $1,636 Average annual insurance $1,686 Annual fees & taxes $609 Total average per year $5,503
Rank 4 Brand Honda Average fuel costs $1,503 Average annual maintenance $1,762 Average annual insurance $1,643 Annual fees & taxes $678 Total average per year $5,586
Rank 5 Brand Toyota Average fuel costs $1,533 Average annual maintenance $1,823 Average annual insurance $1,782 Annual fees & taxes $635 Total average per year $5,773
Rank 6 Brand BMW Average fuel costs $1,567 Average annual maintenance $1,696 Average annual insurance $2,521 Annual fees & taxes $1,705 Total average per year $7,489
Rank 7 Brand Genesis Average fuel costs $2,084 Average annual maintenance $1,760 Average annual insurance $2,529 Annual fees & taxes $1,383 Total average per year $7,755
Rank 8 Brand Audi Average fuel costs $2,060 Average annual maintenance $1,714 Average annual insurance $2,701 Annual fees & taxes $1,391 Total average per year $7,866
Rank 9 Brand Mercedes Average fuel costs $1,776 Average annual maintenance $2,562 Average annual insurance $2,654 Annual fees & taxes $1,680 Total average per year $8,672
Rank 10 Brand Porsche Average fuel costs $2,091 Average annual maintenance $2,741 Average annual insurance $2,448 Annual fees & taxes $1,781 Total average per year $9,062
Rank 11 Brand Cadillac Average fuel costs $2,736 Average annual maintenance $2,554 Average annual insurance $2,580 Annual fees & taxes $1,511 Total average per year $9,380

The average car depreciation values

Separate from the running costs, the study also considered two other ways your car might impact your finances: depreciation, and a monthly finance option.

Car depreciation is the rate at which your car loses value. Several factors contribute to depreciation, these include wear and tear, market demand, and the economic climate. [6] KBB, 'How To Beat Car Depreciation', 2025 https://www.kbb.com/car-advice/how-to-beat-car-depreciation/ Considering all cars analyzed in the study, the average yearly depreciation figure is $7,499.

If you are looking to resell your car in the near future, then you should consider the cars with the smallest depreciation values. These were the Nissan Versa ($2,472 per year), the Honda Civic ($2,504 per year), and the Mazda3 ($3,052 per year).

On the other hand, which models had the highest depreciation rates?

Bought new, the Mercedes-Benz S-Class has a market-suggested retail price of around $117,750. But this car model also had the greatest yearly depreciation value in the study at $17,279.

The Audi RS 7 is not only the study’s second most expensive car to run but has the 2nd highest depreciation value of $17,092 a year. And the BMW i7 has the third highest depreciation value at $16,816 a year.

Last time the study was run in 2024, the Tesla Model S had the highest depreciation value of $9,071 per year and the Subaru Crosstrek had the lowest depreciation value of $2,603 per year.

The car models with the greatest depreciation values

Rank Car Yearly Depreciation Value
1 Mercedes-Benz S-Class $17,279
2 Audi RS 7 $17,092
3 BMW i7 $16,816
4 Audi S8 $16,099
5 BMW M5 $15,526
6 Lucid Air $14,776
7 Genesis G90 $13,186
8 Audi S7 $11,887
9 Chevrolet Corvette $10,351
10 Cadillac CT5-V Blackwing $9,988

The car models with the lowest depreciation values

Rank Car Yearly Depreciation Value
1 Nissan Versa $2,472
2 Honda Civic $2,504
3 Mazda3 $3,052
4 Honda Accord $3,063
5 Toyota Camry $3,090
6 Honda Civic Hybrid $3,139
7 Toyota GR86 $3,337
8 Kia K4 $3,422
9 Hyundai Elantra N $3,539
10 Mazda MX-5 Miata $3,708

The most and least expensive cars on finance

According to recent reports, nearly 86 million Americans (about one in four) carry auto loan debt. [7] CNBC, 'Car payments squeeze Americans as auto debt hits $1.68 trillion, report finds', 2026 https://www.cnbc.com/2026/05/06/car-payments-squeeze-americans.html The average cost of a financed car in the study was $1,739 per year – and this ranged between $516 for a Nissan Versa and $3,913 for a Porsche 911.

You can find the least and most expensive monthly finance costs below:

The least expensive yearly finance costs:

Rank Brand Model Yearly finance costs
1 Nissan Versa $516
2 Mazda Mazda3 $702
3 Kia K4 $744
4 Honda Civic $744
5 Hyundai Elantra N $808
6 Honda Accord $849
7 Honda Civic Hybrid $862
8 Toyota Camry $896
9 Toyota GR86 $898
10 FIAT 500e $939

The most expensive yearly finance costs:

Rank Brand Model Yearly finance costs
1 Porsche 911 $3,913
2 Audi RS 7 $3,754
3 BMW M5 $3,488
4 Mercedes-Benz S-Class $3,436
5 Chevrolet Corvette $3,341
6 Audi S8 $3,297
7 Lucid Air $3,249
8 BMW i7 $3,089
9 Cadillac CT5-V Blackwing $2,803
10 Genesis G90 $2,631

Methodology

Vehicle selection was drawn from the US News & World Report car rankings (cars.usnews.com), which served as the seedlist for identifying representative models across segments including subcompact, compact, electric, and luxury electric categories.

The car, depreciation costs, and finance costs were calculated using the calculator provided by the American Automobile Association (AAA). For the purposes of the study, a 50/50 highway-to-city drive ratio and 15,000 miles driven per year were used as out of the options (10,000, 15,000, and 20,000), this is the closest to the average miles driven in the USA according to Car and Driver. Fuel costs were set at $2.953 per gallon for gasoline vehicles, and electricity was priced at $0.176 per kWh for electric vehicles.

According to the AAA FAQ on the online calculator, the depreciation value is defined as follows:

Depreciation is the difference between the vehicle purchase price and the estimated trade-in value at the end of five years at the designated miles driven per year. MSRP is different from the vehicle purchase price, which is the actual price paid for the vehicle and considers things like discounts and rebates.

Depreciation is vehicle specific. Certain vehicle types or specific models and configurations may depreciate differently depending on their popularity, which drives trade-in value. The depreciation values used are projections based on past trade-in and sales data for similar vehicles.

According to the AAA FAQ on the online calculator, the finance value is calculated as follows:

The finance cost is the amount paid in interest on the loan used to purchase a vehicle. Finance costs are based on a five-year loan, with 15% down and a typical interest rate for the selected state. The loan amount includes taxes and the first year’s license fees.

A medium-price range trim for each car model was used in the study. The trim used for each model and the product source can be found in the following list:

Sources

Written on November 28, 2024

Last updated on July 28, 2026

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