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A car's sticker price is only the starting point. Estimate the full 5-year cost of ownership — insurance, fuel, depreciation, and maintenance — before you sign anything.
True Cost of Ownership
Ownership Cost CalculatorWhat Will It Really Cost?The sticker price is just the beginning. Get an estimated 5-year breakdown of insurance, fuel or charging costs, depreciation, maintenance, and registration for any vehicle — with year-by-year estimates and cost per mile.Enter Your Vehicle DetailsVehicleAnnual MilesState (optional)Personalize (optional)Enter your actual numbers to override state averages. Leave blank to use defaults.Annual insurance ($)Gas price ($/gal)Electric rate ($/kWh) Calculate 5-Year CostWhat Goes Into the 5-Year NumberFive cost categories are estimated for every vehicle: insurance, fuel or charging, depreciation, scheduled maintenance, and registration and taxes. The result is a year-by-year breakdown, a five-year total, a monthly figure, and a cost per mile — the number that lets you compare a cheaper car that costs more to keep against a pricier one that doesn't.Leave the optional fields blank and the estimate uses state averages for insurance, fuel, and maintenance. Enter your own premium, your local gas price, or your charging rate and those numbers replace the averages — which is usually where the estimate stops being generic.Depreciation is usually the largest single line. Most new vehicles lose roughly 40-60% of their value over five years, and trucks and SUVs tend to lose less than sedans. Fuel and maintenance move with how much you drive, so the annual miles field matters as much as the vehicle field.These are estimates built from published averages, not quotes. Before you sign, confirm your insurance premium and the dealer's out-the-door price.COD's focus is what the car costs to keep on the road. Service and repair cost guides are free today; dealer-authorized coupons arrive when the directory launches in Columbia, SC.