Driving advice

Keeping car maintenance and repair costs down

Tempcover’s costliest and least expensive cars to maintain

Ryan Barham

Ryan Barham

Last updated: 21/10/2025

Keeping car maintenance and repair costs down

We all love the freedom driving gives, but there’s nothing worse than getting a call from the garage and being asked to prepare yourself. Engine failures or gearbox repairs can sometimes run into thousands of pounds, turning your dream car into a financial headache.

One way to help avoid these repair costs is to look after your car and carry out regular maintenance checks.

In this article, not only will we provide you with top tips for keeping your car running but we’ll also reveal Tempcover’s most reliable (and costliest) cars to maintain.

The essentials of car maintenance

As well as carrying out basic maintenance checks on a regular basis, you should try and adhere to the manufacturer’s schedule for servicing etc. This will help keep your car in good condition between annual servicing and MOTs. It could also help you spot small issues before they become major problems.

The FORCES checklist

The FORCES acronym helps you keep on top of some of the most important aspects of car care:

Fuel

Oil

Rubber

Coolant

Electrics

  • F for Fuel: Do you have enough petrol to get where you need to go? You don’t want to break down due to an empty tank…
  • O for Oil: Make sure all your engine’s moving parts are lubricated to help maintain performance and improve fuel efficiency. If you don’t top this up on a regular basis, you could be facing some expensive engine repairs…
  • R for Rubber: Have your tyres got the correct pressure and tread depth? Sort this asap if not. Correct pressure can lead to better fuel efficiency and longer tyre life. It’s also worth checking windshield wiper blades on a semi-regular basis.
  • C for Coolant: The correct level of antifreeze can help prevent your engine from overheating or freezing.
  • E for Electrics: Make sure you can see while driving - and that other drivers can see you - by making sure all lights (headlights, indicators, brake lights) are in working order,
  • S for Screen wash: Improve your visibility with antifreeze. It can remove road grime, bugs and dirt from your windscreen.

You also should keep an ear out for any unusual sounds or anything that feels ‘different’ while driving the car, especially in regards to the brakes. Replacing brake pads and damaged discs can also end up more expensive.

Do not ignore your dashboard warning lights. If any of them light up and you don’t know what they mean, you should seek professional assistance immediately. Check out our What do your dashboard warning lights mean? Blog post for further information.

Resolving issues immediately can potentially save a lot of money in the long run.

Drive smarter

Although it may be difficult to start with, changing your driving habits to ones that reduce wear and tear is another option for potentially minimising maintenance costs. Gently accelerating and braking will reduce stress on the engine, brakes and your transmission - all the most expensive parts to fix.

Motorway.co.uk estimates the cost for a new gearbox can vary between £500 and £5,000.

What are the cheapest cars to maintain?

To help you understand the reliability of your next car, we’ve researched over 100 popular vehicles to examine which cost drivers the most to fix. To do this, we analysed the repair bills and claim rates for the following:

  • Engines
  • Suspension
  • Brakes
  • Other key systems

Tempcover’s Car Repair Index - the high performers

Rank

Car make & model

Avg repair cost

Reliability score

Overall index

1

Peugeot 108

£143.87

9.6

99.6

2

Ford EcoSport

£204.17

9.7

98.5

3

Volkswagen Golf SV

£189.50

9.4

97.7

4

KIA Picanto

£186.28

9.3

97.2

5

Citroën C3 Picasso

£200.63

9.3

96.4

6

KIA Ceed

£213.99

9.3

96

6

Nissan Leaf

£260.76

9.6

96

6

Peugeot 107

£236.32

9.4

96

9

Mitsubishi Colt

£164.61

9.1

95.8

10

Honda Accord

£199.85

9.2

95.6

11

BMW Z Series

£233.25

9.3

95.3

11

Honda Jazz

£252.19

9.4

95.3

13

Renault Zoe

£228.63

9.2

94.5

14

Ford KA

£188.48

9

94.1

14

Volvo XC40

£285.30

9.5

94.1

Our research revealed that compact cars outperform more luxury vehicles when it comes to more affordable repairs with the ever-popular Peugeot 108 coming in to take top spot with its average repair cost of just £143.87 and reliability score of 9.6. Other strong performers include the Ford EcoSport, Volkswagen Golf SV and KIA Picanto.

Rank

Car make & model

Avg repair cost

Reliability score

Overall index

1

KIA Optima

£3,226.83

1

0

2

Land Rover Range Rover Velar

£1,509.59

1

1

3

Land Rover Discovery

£1,506.16

1

1.2

4

Land Rover Range Rover Sport

£1,368.39

1

2.5

4

Porsche 911

£1,878.32

1.1

2.5

6

BMW I8

£1,771.12

1.1

2.7

6

Audi A7

£1,294.62

1

3.1

8

Porsche Panamera

£1,262.95

1

3.3

9

Audi Q7

£1,080.49

1

5.2

10

Jaguar Xj

£1,417.07

1.5

5.3

11

Land Rover Discovery Sport

£1,148.81

1.3

6.9

12

Land Rover Range Rover

£1,070.09

1.1

7.8

12

Mazda Cx-5

£1,223.66

1.7

7.8

12

Porsche Cayman

£1,427.05

2.1

7.8

15

Jaguar F-pace

£1,235.84

1.8

7.9

 *The tables provide a full breakdown of the top 15 best and worst-performing cars based on their overall Index, a combined measure of reliability and repair cost-effectiveness. A higher index score indicates a more reliable and cost-effective vehicle.

Although the KIA Optima had the highest average repair cost of £3,226.83 (linked to engine and gearbox), there were more luxury brands in our list of high-cost and low-reliability vehicles. This includes Land Rover, Porsche and BMW. However, these costly repairs aren’t just exclusive to the high-end market with the Mazda CX-5 and Citroen Relay also leaving drivers with expensive bills to pay.

Despite this, the data suggests that compact cars are generally cheaper to keep on the road. 

How much do electric and hybrid vehicles cost to maintain?

As drivers look towards greener vehicles, you may be wondering about the running costs for these. Obviously, you'll have to pay to charge the vehicle on a regular basis but should be able to save on routine servicing and maintenance costs. Bear in mind that a major repair for an EV - like replacing the traction battery - may end up very expensive.

How do I avoid high running costs and repair bills?

There are two overarching ways of reducing costs:

  • Taking a proactive approach to your car maintenance
  • Choosing a vehicle that is cheaper to repair

Of course, repairs are part of a vehicle’s lifespan. While your car is in the garage, you might need to borrow another one. Take out temporary insurance in an instant to enjoy fully comprehensive coverage for as long as you need - with no impact on the owner’s no claims bonus.

Claire Wills-Mckissick, an expert in temporary car insurance at Tempcover, adds:

"Car repairs can be expensive and inconvenient, often leaving drivers without transport when they need it most. That’s where short-term insurance steps in as a crucial safety net.

With Tempcover’s flexible short-term cover, you can quickly get behind the wheel of another car while yours is off the road. Whether you’re borrowing a friend’s car or using a second family vehicle, it gives you the freedom to stay mobile without the hassle of long-term commitments, keeping you on the move even during major repairs."


Sources

Methodology

The analysis was carried out by Tempcover using repair data from MotorEasy and insurance group data from Parkers.

Stage 1 – Data Collection

Average repair costs and the percentage of claims made were collected for the following systems across all car models available on MotorEasy:

Engine

Gearbox

Electrical system

Suspension

Braking system

Stage 2 – Additional Metrics

Insurance group data from Parkers.co.uk was added to provide further context on ownership costs and how they align with repair expenses.

Stage 3 – Ranking Models

To create the final ranking, the average cost of repair for each car model was calculated by combining the repair cost with the percentage of claims made. This provided a true weighted average cost per model. The models were then ranked against one another to produce a final index that reflects both the typical cost of repair and reliability.

Metric Source

Ave. Cost of Repair https://www.motoreasy.com/audi-reliability

% of claims made     https://www.motoreasy.com/audi-reliability

Insurance Group       https://www.parkers.co.uk/Mazda/6/review/

Reliability Score        https://www.motoreasy.com/audi-reliability

A higher index score indicates a more reliable and cost-effective vehicle to maintain.

The full ranking numbers are inclusive of vans, but we’ve omitted these to focus specifically on cars in the above release.

The data was collected on 4th August, all data was correct at the time of collection.


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