As of: April 9, 2024, 6:00 a.m
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Anyone who travels on four wheels has to pay for it every month. A car not only costs money to buy, but also to maintain.
Driving is expensive. Anyone who has passed by a gas station in the last few months knows this. In addition to the regular petrol or diesel filling, there are numerous other costs that you have to be able to cover if you want to own a car - for example you should Allow money for repairs to the car. Insurance and taxes also have to be taken into account every month.
Acquisition costs: Installments or leasing installments must be paid monthly
If you want to know how much a car will cost per month, you should also take the purchase price into account. If you cannot pay the entire purchase price at once, you may have to pay in installments. This means that not only do maintenance costs have to be paid every month, but the car itself also has to be paid off. According to
Verti.de
, a car insurance website, the buyer may also be required to make special payments at the beginning and end of the contract. In general, installment payments drive up the price and you usually save money by paying the purchase price directly.
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Even with leasing, you pay monthly just to have the car. The leasing rates must also be included in the monthly costs if you choose this model.
Refueling: Gasoline and diesel were more expensive than ever before in 2022
2023 was the second most expensive “tank year” of all time, and 2022 was the most expensive. This was announced by the
ADAC
, which compared the high fuel prices nationwide and calculated an average of just under 1.80 euros for a liter of Super E10 and 1.72 euros for a liter of diesel. In 2022, prices, which had skyrocketed due to the Russia-Ukraine conflict, were 1.87 euros for gasoline and even 1.94 euros for diesel.
The monthly cost of a car varies from car to car. Car owners should keep the cost factors in mind. © Imago
The days when diesel was always a lot cheaper than petrol are over. Every type of fuel now costs money, especially if you often have to drive long distances. If you assume, for example, a mid-range car that consumes 7 liters per 100 kilometers and is driven 1,200 kilometers per month, then the monthly fuel costs are around 150 euros (calculated with a gasoline price of 1.80 per liter).
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Car insurance: Costs depend on the car, driver and insurance coverage
In addition to the costs for refueling, there are also contributions for vehicle insurance. Motor vehicle liability insurance is mandatory in Germany and must be paid by every car owner. According to
Allianzdirect.de,
the amount of insurance premiums varies
between 100 and over 1,000 euros.
The exact contribution depends, among other things, on the value of the car, how much driving experience the main driver has, how many kilometers you drive per year, how long the car has been accident-free and where the car is registered. Insurance performance is also a factor in pricing. If you choose fully comprehensive insurance, where the insurance also pays for self-inflicted and other damage to the car, the premium is higher than for partially comprehensive insurance. According to the insurance company, you can roughly expect a premium of around 500 euros per year for a mid-range car.
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In addition to car insurance, you can also take out private insurance for your car, such as a car protection letter or membership with ADAC or another breakdown service. There is also passenger accident insurance, but
consumer center.de
describes it as unnecessary because people are already insured in the event of an accident.
Vehicle taxes: Set aside money every month for taxes at the end of the year
In order to calculate the vehicle tax that a car owner has to pay for his car, the engine capacity of the car and the emission class are taken into account.
Since 2021, a surcharge for CO₂ emissions has also been added to the vehicle tax for cars first registered in 2021. According to
Check24.de,
cars with CO₂ emissions of less than 95 grams per 100 kilometers receive
a tax discount of 30 euros. Owners of cars with higher emissions pay extra. A gasoline engine with a displacement of 1,496 cc and CO₂ emissions of around 140 grams per 100 kilometers will pay around 130 euros in taxes per year from 2021, which can be paid annually and, depending on the insurance, also in quarterly payments.
Accidents and repairs: An expensive repair can always be necessary
We know it all: especially when money is tight, the car suddenly starts having problems and needs some kind of repair. The monthly or annual costs for such cases are difficult to estimate. However, you should put some money aside in advance or every month to be prepared in the event of necessary repairs. These possible costs must also be taken into account when maintaining a car.