How much does a small car cost per month?

you ask yourself "How much does a small car cost per month?” A small car is for under 200 euros to entertain monthly. This includes all costs incurred for Fuel, maintenance, tax and insurance contain. This also as maintenance costs of your car The costs referred to make up around 160 euros per month for a small car. Added to this is the loss in value, which is around 40 euros for a small car.

Don't have the money to buy a small car? One car financing for a brought small car for 5,000 euros costs about another 50 euros per month. Cheap compact cars you under 200 euros a month 10,000 km a year are for example: Fiat Panda 1.2 Bipower, Opel Corsa D 1.2 LPG, Renault Clio 1.2, Fiat Grande Punto 1.4 Bipower, Opel Agila B 1.0 LPG or the Audi A2 1.2 TDI. At all costs I go from 10,000 km mileage in the year out.

How much does a small car cost per month?

1. Fuel Costs

At 10,000 km per year roughly €40 per month when using LPG/LPG: 40. Small cars with diesel cost about 10,000 km/year 55 € per month and with petrol the costs are around 80 € in the month.

Monthly cost of fuel for a small car with 10,000 km/year: 40 – 80 euros

2. Change tires

A tire change at an independent workshop such as ATU or Euromaster costs around 10-15 euros per wheel. This means that a tire change by a workshop costs around 100 € per year (change tires & store). If you change tires with a torque wrench and one jack do it yourself and store the tires with you except for a one-time fee of €70 for the tool. If you all-season tyres use, the costs and effort for the annual tire change are completely eliminated.

Monthly cost of changing tires for a small car: 0 euros to 8.33 euros

3. Oil change

A self-made oil change costs about 30 € for the material. The oil change in the workshop costs between 30 and 100 euros. Small cars are usually cheaper. An oil change must take place approximately every 2 years.

Monthly oil change costs for a small car: 1.25 euros to 4.17 euros

4. Tires

Of the ADAC recommends replacing winter tires after 6 to 8 years at the latest and summer tires after 8 to 10 years. With an assumed mileage of 10,000 km per year, both sets of tires have to be replaced after about 8 years. This costs around 200 euros per set of tires. This results in total costs of 400 euros over 8 years for exchanging the summer and winter tires.

Monthly cost of tires for a small car: 4.17 euros

5. Repairs

Repairs can cost very different amounts. Many reliable small cars do not need any repairs at all for many years. But especially with older models, high workshop costs due to engine damage and the like cannot be avoided. For years, reliable models in the ADAC test have included the Mitsubishi Colt and the Toyota Aygo. If you go to the shop for every repair, you should calculate an average of around €50 per month for the cost of repairing your small car.

Monthly cost of repairs for a small car: 50 euros

6. Insurance

The cost of the insurance depends on the no-claims class (SF class). As a novice driver you get on with SF0 or SF1/2 and the insurance is more expensive. If you have a few minutes in a Car Insurance Comparison If you invest, you can significantly reduce the costs. With an SF3, costs of around 30 euros per month for a small car are realistic.

Monthly cost of insurance for a small car: 30 euros

7. Tax

The tax is EUR 2 per 0.1 l displacement for a petrol engine and EUR 9.50 per 0.1 l displacement for a diesel engine. This means that the costs for a small car with a displacement of 1.3 liters and a petrol engine are 26 euros a year or 3 euros a month. From 2021 there will be additional costs for increased CO2 and pollutant emissions. For the sake of simplicity, we therefore calculate costs for the tax of around €5 per month for a small car.

Monthly expenses for tax for a small car: 5 euros

8. Main inspection and emissions test (HU & AU) - "TÜV"

The TÜV, i.e. the main inspection and emissions test (HU & AU) costs around €120 every 2 years. This corresponds to the equivalent of another 5 € per month. Any defects are included in the repairs item.

Monthly costs for HU and AU for a small car: 5 euros

9. Small parts and accessories

Cleaning water, floor mats, first-aid kit, charger and GPS mount for your cell phone: all the little stuff. We take these costs into account as €5 a month for a small car.

Monthly costs for small parts and accessories for a small car: 5 euros

10 Financing

If you decide to finance a small car with a loan, a used car price of 6,000 euros and financing over 10 years will add around 60 euros to the loan rate. With this loan installment, you can repay a car loan of 6,000 euros with an interest rate of 3 % and a repayment of 9 % in just under 10 years. If you decide to go this route, the car should be driven at least as long as the loan runs.

Monthly cost of financing for a small car: 60 euros

With a net income of 1,500 euros or less, it is advisable to Car registration as security to deposit so that the bank grants the loan for your small car despite the low income. You can find out which banks accept the KFZ letter as security in the article Which bank accepts car as collateral read. You can find an overview of the advantages and disadvantages of loan collateral in the article Credit Collateral: Pros and Cons. But it suits you too Car loans without depositing the vehicle registration document to disposal.

11 depreciation

If you buy your small car for 6,000 euros and drive it for 10 years, you have a monthly depreciation of 42 euros. The depreciation of a used small car is calculated using the purchase price of 6,000 euros minus 1,000 euros scrap value divided by 120 months.

Monthly depreciation for a used small car: 52 euros

How much does a small car cost per month? – Maintenance costs, depreciation and car financing at a glance

position How much does a small car cost per month
fuel60 €
change tires4 €
oil change 4 €
tires 4 €
repairs 50 €
insurance30 €
Tax5 €
small parts and accessories 5 €
TOTAL162 €
depreciation42 €
TOTAL 202 €
financing60 €
TOTAL262 €
How much does a small car cost per month
Was kostet ein Kleinwagen im Monat? - Unterhaltskosten, Wertverlust und Autofinanzierung in der Übersicht
How much does a small car cost per month? – Maintenance costs, depreciation and car financing at a glance

How much does a small car cost per month? – Total cost of a 10 year old Opel Corsa D 1.2 LPG

  • 30-40 € for a cheap one car insurance
  • €7-10 for the tax
  • 40 – 80 € fuel at 10000 km/year
    • LPG: €40
    • Diesel: €55
    • Petrol: 80€
  • Inspection costs 10-20 €
  • €50 for a cheap one car loan
Was kostet ein Kleinwagen im Monat? -  Gesamtkosten eines 10 Jahre alten Opel Corsa D 1.2 LPG
How much does a small car cost per month? – Total cost of a 10 year old Opel Corsa D 1.2 LPG

If you have the money for a car but are unsure whether to buy with cash, you can go to the Buy, finance or lease a car in cash inform about the respective advantages and disadvantages.

How much monthly salary you should spend on a car

When buying a car, you shouldn't pay more than 3 gross salaries spend on a car. A salary of 1,500 euros net means around 2,050 euros gross per month for wage tax class 1. So you can afford a car for up to 6,000 euros at 1,500 euros net and 2,050 euros gross.

You can in the guide Which car at 1500 euros net? learn more about the topic.

Thus, the first rule of thumb refers to the purchase price. But also the maintenance costs of your car must be kept in mind. Therefore, there is another rule of thumb.

What percentage of your income you should spend on a car each month

You should do this monthly nnot more than 25 % of net salary spend on a car. With 25 % of your net salary you should maintenance costs of the car can cover.

How much does a small car cost per month? 11 cheap cars that cost less than 200 euros a month

In the picture gallery are 11 cheap small cars which cost you less than 200 euros per month.

How much does a small car cost per month? Here you will find the 11 cheap used cars under €6,000

In the table you will find my top 11 cheap small cars which cost less than €150 a month to maintain for 10,000 km a year. The cheapest small car is the Fiat Panda 1.2 Bipower, built in 2012, which only costs €89 a month to run.

 vehiclePower in kWconsumption per 100 kmused car pricedepreciation in eurosMonthly maintenance costs including tax, insurance and fuel in euros

(10,000 km/year; SF3; liability only)
cents per km (without loss of value)Finance cheaply
1. Was kostet ein Kleinwagen im Monat? - 89 € für den Fiat PandaFiat Panda 1.2 Bipower
(60 HP/44kW | 1242ccm, BJ: 2009-2012, LPG)
44kW6.1 kg LPG1.700 € - 2.700 €*€37 depreciation 89 € maintenance10.7 cents/km€2,200 Fiat Panda from €22 finance!
2.Was kostet ein Kleinwagen im Monat? - 102 € für den Opel CorsaOpel Corsa D 1.2 LPG
(80 HP/59kW | 1229ccm, BJ: 2009-2010, LPG)
59kW 6.8 kg of LPG 2.700 € - 4.300 €*€58 depreciation 102 € maintenance12.4 cents/km€3,500 Opel Corsa from €35 finance!
3.
Was kostet ein Kleinwagen im Monat? - 104 € für den Renault Clio
Renault Clio 1.2
(60 HP/44kW | 1149ccm, BJ: 1998-2005, LPG)
44kW6.5 kg LPG1.000 € - 1.600 €*€22 depreciation 104 € maintenance12.5 cents/km€1,300 Renault Clio from €13 finance!
4.Was kostet ein Kleinwagen im Monat? - 108 € für den Fiat Grande PuntoFiat Grande Punto 1.4 Bipower
(78 HP/57kW | 1368ccm, BJ: 2008-2011, LPG)
57kW6.3 kg LPG 1.100 € - 1.800 €*€24 depreciation 108 € maintenance13.0 cents/km€1,450 Fiat Grande Punto from €14.50 finance!
5. Was kostet ein Kleinwagen im Monat? - 108 € für den Opel AgilaVauxhall Agila B 1.0 LPG
(65 HP/48kW | 996ccm, BJ: 2010-2010, LPG)
48kW7.8 kg LPG 2.300 € - 3.600 €*€49 depreciation 108 € maintenance13.0 cents/km€2,950 Opel Agila from €29.50 finance!
6.
Was kostet ein Kleinwagen im Monat? - 108 € für den VW Polo
VW Polo V 1.4 LPG
(86 HP/63kW | 1390ccm, BJ: 2010-2010, LPG)
63kW7.2 kg LPG 4.300 € - 5.200 €*€79 depreciation 108 € maintenance13.0 cents/km €4,750 Volkswagen Polo from €47.50 finance!
7.Was kostet ein Kleinwagen im Monat? - 110 € für den Opel AstraVauxhall Astra H CC / Caravan 1.4 LPG
(90 HP/66kW | 1364ccm, BJ: 2010-2010, LPG)
66kW6.5 kg LPG 2.200 € - 3.400 €*€46 depreciation 110 € maintenance13.2 cents/km€3,300 Vauxhall Astra from €33 finance!
8.
Was kostet ein Kleinwagen im Monat? - 111 € für den Renault Kangoo
Renault Kangoo 1.2
(60 HP/44kW | 1149ccm, BJ: 1998-2008, LPG)
44kW7.4 kg LPG 4.000 € - 4.800 €*€73 depreciation 111 € maintenance13.3 cents/km€4,400 Renault Kangoo from €44 finance!
9.Was kostet ein Kleinwagen im Monat? - 111 € für den Audi A2Audi A2 1.2 TDI
(61 HP/45kW | 1191ccm, BJ: 2001-2005, Diesel)
45kW5.1L
diesel
1.700 € - 2.700 €*€37 depreciation 111 € maintenance13.3 cents/km€2,200 Audi A2 from €22 finance!
10.Was kostet ein Kleinwagen im Monat? - 112 € für den Honda InsightHonda Insight 1.0
(76 HP/56kW | 995ccm, BJ: 1999-2005, petrol engine)
56kW4.6L petrol3000 € - 4000 €*€58 depreciation 112 € maintenance13.4 cents/km€3,500 Honda Insight from €35 finance!
11.
Was kostet ein Kleinwagen im Monat? - 114 € für den Kia Picanto
Kia Picanto 1.0
(82 HP/60kW | 998ccm, BJ: 2011-2011, LPG)
60kW8.9 kg LPG1.600 € - 2.500 €*€34 depreciation 114 € maintenance13.7 cents/km2050 € Kia Picanto from €20.50 finance!

How much does insurance cost for a small car per month?

About 1/3 of the costs for a small car are for car insurance
About 1/3 of the costs for a small car are for car insurance

How big the difference in car insurance is, take a look at the Car Insurance Comparison clear. When I compare the tariffs for the VW Polo, I come up with a minimum cost of about 32.33 euros per month (388 € per year). The most expensive insurer charges almost twice as much. vizh €60.33 per month (724€ per year)**. By comparing car insurance, you can save €30 a month on a small car like the VW Polo.

**When calculating the costs, I assume an annual mileage of 10,000 km and inexpensive liability insurance without comprehensive insurance in no-claims class 3.

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