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Luxury Car Ownership Cost Calculator

Discover the true cost of owning your dream car. Calculate annual, 5-year, and 10-year ownership costs including insurance, maintenance, depreciation, and more.

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Adjustments

1K20K
1yr10yr
MSRP
$338,000
Monthly Cost
$8,358
Annual Cost
$100,300
5-Year Total
$501,500
Cost Per Mile
$20
Including Depreciation
$11 without depreciation

Annual Cost Breakdown

Insurance$8,500
8.5%
Maintenance$6,000
6.0%
Fuel$3,500
3.5%
Storage$4,800
4.8%
Taxes$27,000
26.9%
Depreciation$45,000
44.9%
Tires$3,000
3.0%
Brakes$2,500
2.5%
Total Annual Cost$100,300

Cost Projection

1 Year
$100,300
5 Years
$501,500
10 Years
$1,003,000

* Costs are estimates based on industry averages. Actual costs vary by location, usage, and condition.

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How Costs Are Calculated

Insurance

Exotic car insurance ranges from $4,800-$12,000/year depending on vehicle value, driver age, location, and driving history. Comprehensive coverage is required for financed vehicles.

Maintenance

Annual service, oil changes, fluid checks, and scheduled maintenance. Ferrari/Lamborghini: $3,000-$8,000/year. Porsche: $2,500-$4,500/year.

Depreciation

Luxury cars depreciate 10-15% in year 1, then 5-10% annually. Limited editions may appreciate. Calculated as average annual loss in resale value.

Storage

Climate-controlled storage: $300-$500/month. Home garage with dehumidifier: $50-$100/month. Essential for preserving paint, leather, and mechanical components.

All costs are estimates based on industry averages and owner reports. Actual costs vary significantly by location, driving habits, vehicle condition, and service provider. Consult with dealers and insurance agents for accurate quotes. Source: cars.leanpl8.com research 2026.