True cost of owning a car in the UAE
Five-year cost of a car in the UAE: depreciation, insurance, maintenance, fuel and registration, from real listings.
Cheapest way to own it with these settings: buy a 2020 model used (petrol)
| Item | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | 5-year total |
|---|---|---|---|---|---|---|
| Depreciation | AED 10,548 | AED 10,548 | AED 10,548 | AED 10,548 | AED 10,548 | AED 52,740 |
| Insurance | AED 4,668 | AED 4,668 | AED 4,668 | AED 4,668 | AED 4,668 | AED 23,340 |
| Maintenance and repairs | AED 5,448 | AED 5,448 | AED 5,448 | AED 5,448 | AED 5,448 | AED 27,240 |
| Fuel or charging | AED 12,528 | AED 12,528 | AED 12,528 | AED 12,528 | AED 12,528 | AED 62,640 |
| Registration | AED 1,020 | AED 1,020 | AED 1,020 | AED 1,020 | AED 1,020 | AED 5,100 |
| Other (capital cost) | AED 5,820 | AED 5,820 | AED 5,820 | AED 5,820 | AED 5,820 | AED 29,100 |
| Total | AED 40,032 | AED 40,032 | AED 40,032 | AED 40,032 | AED 40,032 | AED 200,160 |
Assumptions and gaps
- service dealer/10k: gap-fill
- service independent/10k: gap-fill
- tyre set: gap-fill
- indep service: 60 % of dealer (estimate)
Sources
Cheapest lease offer
MOOV by Al-Futtaim (subscription): AED 5,728 per month all-in, read on 2026-10-06. subscription.moovbyalfuttaim.com