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Usually, but not always. Several European luxury brands show substantially higher maintenance and repair costs over long ownership periods than many mainstream brands. However, the badge is an unreliable shortcut: Lexus, Acura, and Genesis often cost less than some European luxury marques, while Buick and Lincoln rank among the lowest-cost brands in long-term owner data. The useful comparison is between specific models with similar age, mileage, powertrain, warranty coverage, and ownership horizon.
What “maintenance cost” actually includes
People use maintenance to mean two different things. Scheduled maintenance is planned work such as oil and filter changes, inspections, brake-fluid service, spark plugs, and other items listed in the service schedule. Repairs fix failures or wear discovered outside that schedule, including suspension, cooling, electrical, and drivetrain faults. Tires and wear items may be counted in one study and excluded in another.
That distinction matters because a car can have a high average invoice without being unusually unreliable. RepairPal’s framework evaluates three separate dimensions: average cost, the frequency of unscheduled shop visits, and repair severity. Its data covers 2010–2019 model-year vehicles and applies controls for statistical confidence. Expensive parts or labor can raise the average bill even when breakdowns are infrequent and severe failures are uncommon.
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What the major datasets show
Consumer Reports: owner-paid costs over 10 years
Consumer Reports’ analysis of its 2025 Annual Auto Surveys, updated December 4, 2025, asks owners how much they paid out of pocket for total maintenance and repairs during the preceding 12 months. It reports cumulative costs for years one through five, years six through ten, and the full 10-year period.
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The survey excludes collision repairs. It is an owner-reported, brand-level comparison rather than a controlled estimate for two directly matched vehicles. Consumer Reports also does not model uncertainty caused by inflation or tariffs. Even with those limits, its pattern is clear: several European luxury brands are near the expensive end over a decade, while Buick and Lincoln are near the low end. Consumer Reports auto-data analytics lead Steven Elek said that the difference between brands can reach thousands of dollars over 10 years and that expensive luxury vehicles are often particularly costly to maintain over time.
RepairPal averages reproduced by ConsumerAffairs
ConsumerAffairs’ July 21, 2026 article reproduces annual brand averages attributed to RepairPal. These are not the same measurement as Consumer Reports’ 10-year owner survey, so they should not be added together or presented as a single ranking.
| Brand | Average annual maintenance and repair cost | How to read the figure |
|---|---|---|
| Porsche | $1,192 per year | RepairPal average reproduced by ConsumerAffairs (2026) |
| Land Rover | $1,174 per year | RepairPal average reproduced by ConsumerAffairs (2026) |
| Jaguar | $1,123 per year | RepairPal average reproduced by ConsumerAffairs (2026) |
| Audi | $987 per year | RepairPal average reproduced by ConsumerAffairs (2026) |
| BMW | $968 per year | RepairPal average reproduced by ConsumerAffairs (2026) |
| Buick | $608 per year | RepairPal average reproduced by ConsumerAffairs (2026) |
| Lexus | $551 per year | RepairPal average reproduced by ConsumerAffairs (2026) |
| Genesis | $524 per year | RepairPal average reproduced by ConsumerAffairs (2026) |
| Acura | $501 per year | RepairPal average reproduced by ConsumerAffairs (2026) |
| Hyundai | $468 per year | RepairPal average reproduced by ConsumerAffairs (2026) |
| Toyota | $441 per year | RepairPal average reproduced by ConsumerAffairs (2026) |
| Honda | $428 per year | RepairPal average reproduced by ConsumerAffairs (2026) |
Within this dataset, the gap between the highest listed average (Porsche at $1,192) and Honda at $428 is $764 per year. That is a brand-average difference, not a promise that every Porsche costs exactly that amount or that every Honda costs less than every luxury vehicle. Model, engine, trim, age, location, and service history can move an individual car far outside its brand average.
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Parts and labor
Luxury vehicles often use higher-priced components and require more specialized diagnostic or repair work. A replacement part with a premium specification can cost more than a mechanically similar mainstream component, and a shop with the necessary diagnostic equipment may charge a higher labor rate. Consumer Reports notes that lower domestic parts costs help explain why some domestic brands, including Buick and Lincoln, rank favorably.
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Complexity and equipment
More electronic systems, advanced driver-assistance hardware, adaptive suspension, turbocharged or high-output powertrains, and premium interior equipment create more potential repair points. Complexity does not guarantee failure, but when a component does fail, diagnosis and calibration can increase the bill.
Wheels, tires, and performance hardware
Large wheels, low-profile tires, high-performance brakes, and specialized suspension parts can be expensive wear items. A driver who covers many miles, uses rough roads, or drives aggressively may replace these items more often than the average owner represented in a brand survey.
Service availability
Local labor rates, parts availability, climate, driving habits, and the choice between a dealer and an independent specialist all affect the final invoice. A luxury model supported by several qualified independent shops may be less costly to service than a mainstream model that requires long-distance dealer visits in a region with limited parts supply.
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The data does not support a universal “luxury surcharge.” In the ConsumerAffairs/RepairPal figures, Acura averages $501 annually, Genesis $524, and Lexus $551—below Buick at $608 and well below Porsche, Land Rover, Jaguar, Audi, and BMW. Consumer Reports likewise places Buick and Lincoln among its lowest-cost brands overall, even compared with mainstream makes.
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These exceptions are why a brand-only rule fails. A Lexus crossover and a high-performance European sedan may both be marketed as luxury vehicles, yet their parts, powertrains, service schedules, and failure patterns can be very different. Compare the exact model and engine rather than treating all premium badges as one category.
How to compare two cars fairly
Use one consistent method before deciding that a luxury car is affordable—or unaffordable—to keep.
- Match the vehicles. Compare cars in the same class with similar age, mileage, powertrain, drivetrain, and intended use. A compact luxury sedan is not a fair comparison with a full-size mainstream SUV.
- Set one ownership horizon. Choose five years, 10 years, or the period you actually expect to keep the vehicle. Do not compare a three-year lease experience with a 10-year ownership estimate.
- Set one mileage assumption. Annual mileage changes oil, tire, brake, and service frequency. Apply the same mileage to both vehicles.
- Separate scheduled work from failures. List the service intervals and expected wear items, then estimate unscheduled repairs separately. This reveals whether the difference comes from routine servicing, occasional large failures, or both.
- Use three reliability measures. Check average repair cost, unscheduled-visit frequency, and severe-repair probability. A high average invoice alone does not establish poor reliability.
- Check warranty and complimentary maintenance. Record the basic warranty, powertrain warranty, emissions coverage, and any free-maintenance period. New vehicles may show very little owner-paid cost while these benefits are active, with expenses rising after they end.
- Price local service. Ask reputable local shops for the model’s scheduled services and common repairs. Include dealer labor rates, independent-specialist rates, parts lead times, and towing or travel if no nearby shop can work on the car.
- Include your use pattern. City traffic, short trips, extreme temperatures, salted roads, towing, high annual mileage, and spirited driving can change wear and service needs.
Warranty timing can hide the real ownership cost
A new luxury car may appear inexpensive during its first years because the owner pays only for routine items or receives complimentary maintenance. That result can change when the warranty or free-service period expires. If you plan to keep the vehicle beyond that point, estimate costs for the post-coverage years rather than using only the first-year experience.
For a used luxury car, determine exactly what remains: the original in-service date, mileage limits, transferable coverage, open recalls, and documented maintenance. A low purchase price does not offset an imminent major service or a repair that the previous owner deferred.
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Maintenance is only one part of total ownership cost
AAA’s whole-vehicle estimates show why maintenance figures should not be mistaken for a complete ownership budget. AAA estimated average ownership and operating costs for a new vehicle at $11,577 per year in 2025. That total includes depreciation, finance, fuel, insurance, taxes and fees, and maintenance, repair, and tires. In its 2025 study, AAA estimated maintenance, repair, and tire costs at 11.04 cents per mile for the vehicles studied; the measure included manufacturer-specified routine service, an extended warranty, wear-item repairs over five years, and one set of replacement tires.
AAA’s 2026 release estimated $12,863 per year to own and operate a new vehicle. The methodology changed: the 2026 study covers seven categories and 34 top-selling models, and AAA says the change prevents direct comparison with the 2025 overall total. The 2026 figure therefore should not be treated as a luxury-versus-mainstream maintenance premium.
When budgeting, add maintenance and repairs to the other costs that matter to your decision: depreciation, financing, fuel or electricity, insurance, registration, taxes, and the opportunity cost of money tied up in the car.
A practical decision framework
If predictable bills matter most
Favor a model with a strong service network, clear maintenance intervals, widely available parts, and a warranty that covers the years you intend to own it. A slightly higher purchase price can be easier to budget than uncertain post-warranty repairs.
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If you want luxury features without the highest service averages
Start by examining models from brands whose averages are lower in the available data, such as Lexus, Acura, and Genesis. Then verify the specific model’s service schedule, tire and brake specifications, warranty, and local repair support. Brand averages narrow the search; they do not replace a vehicle-specific estimate.
If you are buying an older luxury car
Obtain a pre-purchase inspection from a shop familiar with that model. Request service records, scan for stored diagnostic codes, inspect for fluid leaks and suspension wear, and price deferred maintenance before negotiating. The inspection should identify likely near-term work, not merely confirm that the car runs during a short test drive.
Bottom line: is the premium worth it?
Luxury cars are often more expensive to maintain and repair than mainstream cars over a longer ownership period, especially among several European brands. The difference can be substantial, but it is not a fixed fee attached to every luxury badge. Acura, Genesis, and Lexus averages are lower than several European luxury brands, and Buick and Lincoln rank near the low end in Consumer Reports’ long-term comparison. Choose by exact model, ownership years, mileage, warranty coverage, repair frequency, severity, and local service prices—not by the badge alone.
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