Car Running Costs in Ireland in 2026: What Should You Budget For?
Running a car in Ireland isn’t getting any cheaper, and car running costs Ireland 2026 are shaping up to be another year where smart budgeting really matters. Between fuel prices, insurance, motor tax, and day-to-day upkeep, Irish motorists need a clear picture of what owning a car actually costs.
From our experience working with drivers across Dublin and South Dublin, the biggest savings usually come down to choosing the right car, not cutting corners later.
Let’s break it down.
Average Car Running Costs in Ireland (2026)
For most drivers, the average monthly car cost in Ireland now sits somewhere between €600 and €900, depending on annual mileage, fuel type, and whether the car is new or used.
That figure typically includes:
- National Car Test (NCT) and wear-and-tear items
- Maintenance and servicing, including oil changes and replacing tyres
- Motor tax
- Insurance
- Fuel or EV charging, whether at home using electricity or at public charging stations
We often see city drivers paying less on fuel but more on insurance and parking, while rural commuters rack up higher mileage and toll expenses.
Fuel Costs: Petrol, Diesel & Electric
Petrol and Diesel Costs in 2026
Fuel prices in Ireland remain volatile. As of early 2026:
- Diesel prices remain slightly higher for many Dublin commuters, around €8.60 per 100km
- Petrol costs in Ireland continue to fluctuate around EU averages, roughly €10.40 per 100km
If you’re clocking up miles on the M50 or N81, fuel efficiency matters more than ever. That’s why compact and mild-hybrid models are becoming increasingly popular.
Cars like the Suzuki Swift and Suzuki Vitara Hybrid consistently come up in conversations with customers looking to reduce weekly fuel spend.
Electric Vehicles and Charging Costs
Electric car charging costs in Ireland are still lower than petrol or diesel, especially if you’re charging at home overnight using cheaper electricity tariffs. However, public EV charging prices have crept up recently, which can affect running costs for EV owners without access to off-street parking.
Electric vehicles benefit from lower maintenance costs due to fewer moving parts and produce zero emissions, helping motorists factor in environmental benefits alongside running costs.
Car Insurance Costs in Ireland
Car insurance costs remain one of the biggest pain points for drivers in 2026. Your premium depends on:
- Engine size and vehicle value
- Where you live (Dublin postcodes still cost more)
- Age and driving history
Smaller SUVs and hatchbacks with strong safety ratings often attract lower premiums. Models like the Suzuki S-Cross are a solid middle ground for families wanting space without premium insurance costs.
Motor Tax, VRT and Revenue Rules
Motor Tax in Ireland (2026)
Motor tax rates in Ireland still favour:
- Hybrids and mild hybrids
- Low-emission petrol cars
Older diesel cars, especially pre-2017 models, tend to cost more annually. Electric vehicles enjoy a significantly reduced motor tax rate, with a minimum annual motor tax of €120, supporting zero emissions vehicles.
Vehicle Registration Tax (VRT) and Imports
If you’re considering importing a car, be aware that VRT rules from Revenue are stricter than ever. CO₂ emissions play a major role in how much you’ll pay upfront.
Maintenance, Servicing, and National Car Test (NCT) Costs
Regular Servicing and Maintenance
Car maintenance costs in Ireland are rising, mainly due to labour and parts prices. Expect to budget:
- Additional expenses for replacing tyres, brake pads, and unexpected repairs
- €250–€350 for a standard annual service
Japanese brands like Suzuki have a strong reputation for reliability. We often see Suzuki owners spending less long-term on repairs compared to heavier or more complex cars.
Taking care of your car not only saves money in the long run but also helps maintain your vehicle’s value and safety.
National Car Test (NCT)
The NCT cost itself is modest, currently €60 for a full test and €40 for a re-test. However, repairs needed to pass the test can significantly add to your expenses.
Suspension, tyres, and brakes are common failure points on Irish roads, especially with our weather and potholes.
Additional Costs: Parking, Tolls, and Unforeseen Expenses
Parking costs range widely across Ireland, from €1.20 to €5 per hour depending on location. Casual drivers parking around 156 hours a year can expect to pay roughly €484 annually.
Toll costs can add up too. Frequent motorway users making about 80 trips a year at an average cost of €2.60 each may spend around €208 annually on tolls.
Unforeseen costs such as replacing tyres, unexpected repairs, and interest on car financing can catch people off guard and significantly add to the overall cost of running a car, impacting people’s purchasing power.
New vs Used Cars: Which Is Cheaper to Run?
This is a question we get daily.
Used cars cost less upfront but vary depending on age, mileage, and condition
New cars offer lower running costs, better fuel efficiency, and predictable servicing, with an average price that reflects these benefits
For many Dublin drivers, a nearly-new used Suzuki hits the sweet spot — modern tech, lower depreciation, and manageable insurance.
Finance, Monthly Costs and Trade-Ins
Spreading costs matters more than ever in 2026.
With tailored car finance options, many drivers prefer a predictable monthly payment rather than unexpected repair bills. Trade-ins also help reduce overall ownership costs.
Learn more about flexible options on our car finance page.
Choosing a Car That Costs Less to Run
If you’re budgeting for car ownership in Ireland, look for:
- Practical size for Dublin parking and driving
- Reasonable insurance group ratings
- Strong reliability records
- Smaller engines with hybrid assistance
Planning Ahead: Making Informed Decisions
To get the full picture of car running costs, it’s important to plan ahead. Consider your annual mileage, typical routes, and lifestyle needs to make informed decisions about the best vehicle for you.
Using examples like the Hyundai Tucson, which is popular in Ireland, helps illustrate how depreciation and running costs can vary based on make and model.
Running Costs and Business Considerations
For businesses managing fleets or company cars, understanding running costs is essential to control transport expenses and optimize budgets. Choosing vehicles with lower emissions and fuel consumption can significantly reduce costs over the course of ownership.