Top 15 ways to cut your motoring costs – the definitive guide

    Looking for ways to cut your motoring costs? With rising fuel prices, MOT, tax, regular maintenance, and unexpected repair costs, every driver knows how expensive owning a car can get. 

    In the UK, the average motorist spends more than £3,000 running their car each year. The biggest expenses are fuel and motor insurance – but there’s also road tax, parking fees, repairs, and servicing costs. When you bought your car, it’s likely that you budgeted based on all these factors and felt the costs were appropriate for your lifestyle. With motoring and living costs changing so dramatically in 2022, it might be time to revisit those calculations to make sure you’re getting the best value out of your car.

    When you bought your car, the return on investment might have looked better than it does today

    Now, with the ‘cost of living crisis’ making car ownership even more expensive, here are 15 ways that might help you keep down your running costs.

    1. Fill up at the supermarket

    Fuel is expensive — and becoming increasingly so. 

    In the UK, there is a persistent myth that the fuel bought from supermarkets is inefficient and bad for your engine. However, it’s not exactly clear how or why this story has been perpetuated. Supermarket fuel conforms to the British Standard, the same as the fuels from all major oil companies. 

    Whilst it’s true that using higher-grade fuels in your car will typically provide a better degree of fuel efficiency, it will usually be insignificant when compared with other factors which affect fuel economy – such as vehicle load, tyre pressure, and weather conditions.

    2. Get cashback when you buy fuel

    There are several cashback options that give you money back on your fuel. If you use an MBNA American Express card, for example, it will pay you 1.5% cashback (£1.50 for every £100 you spend) at the UK’s big-name supermarkets fuel stations. These include Asda, Tesco, Sainsbury’s, Morrisons, and Waitrose. 

    1.5% cashback might seem modest; however, you don’t have to do anything to accrue the cash – and, if you take regular long journeys, the cashback amount can soon add up.

    3. Find cheaper fuel stations in your area

    If you have a fossil-fuel car, performing some research into the cost of fuel at the various stations near you will help you choose where to fill up cheaply. Try to use a station within a reasonably short distance from your home. It is usually a false economy to drive out of your way to save a small amount on fuel — and there may be cheaper fuel pumps closer than you think. 

    Even if you only save a few pence on each litre, this can quickly add up over the course of a year – especially if you have a large car. You can check the prices of fuel in your local area at price comparison websites like and 

    4. Convert your petrol car to LPG

    If your focus is on reducing running costs and you clock up a lot of mileage, you could consider converting your car to run on a dual fuel system of LPG (liquid petroleum gas) and petrol. LPG is a byproduct of petrol production. Though cars can’t start on it, they can run on it. It’s not just cheaper than petrol, but it’s taxed less too. One of the reasons for that is it’s much better for the environment than petrol and diesel. When LPG burns it creates up to 80% less NO2 than diesel and around 5-7 times less than petrol.

    There is an upfront cost to installing an additional tank in your car and converting the engine. However, depending on your drive time, you could save hundreds or even thousands in your fuel bills each year. The installation would pay for itself after two years on average, so this is a medium-term saving strategy rather than a quick fix to get through a hard winter. 

    5. Lose unnecessary weight from your car

    Generally, each 50kg weight inside your car increases fuel consumption by up to 2%. Removing any unnecessary weight could lead to big savings over the year.

    So, if you’re driving around with heavy loads in your car, it might be costing you more than you think. If you have a roof rack that you’re not regularly using, you should consider removing it. Alongside weight, roof racks tend to create drag on your car which also increases fuel consumption.

    Reducing the weight of your car will reduce your fuel costs.

    6. Purchase high-quality tyres

    Though buying cheap tyres will save you money in terms of initial outlay, in the long run, this saving is likely to be a false economy. The tyres will probably need replacing much sooner, so you’ll spend more time and money than you thought.

    Tyres can also determine your fuel efficiency. Those with a higher rolling resistance will usually lead to higher fuel usage. Different tyres are designed to offer greater fuel efficiencies – and this can be vital if you want to decrease your car’s running costs.

    7. Ensure your tyres are inflated

    As with using poor-quality tyres on your car, if your tyres are under-inflated it will lead to greater rolling resistance and you’ll end up using more fuel to cover the same ground. In fact, if your tyres are under-inflated by just 15psi, it could result in additional fuel use of around 6%. 

    Having under inflated tyres will reduce your car’s miles per gallon (MPG), which could cost you an extra £65 a year. To reduce the likelihood of this, you should regularly check your tyre pressure at a garage or fuel station.

    8. Don’t overexert your car in cold temperatures

    Pushing your car in cold temperatures will use more fuel than is necessary as fossil-fuel cars are less efficient in low temperatures.

    This is because engine and transmission friction increases in low temperatures due to engine oil and other drive-line fluids needing to warm up to their requisite fuel-efficient temperature. This will negatively impact shorter journeys more, as the car will spend a greater percentage of travel time trying to heat the fluids to an optimal temperature. 

    Cars are more expensive to run in cold temperatures

    9. Get your car insurance premium down

    Most drivers will simply accept the automatic renewal quote from their insurer. However, this is rarely the best quote they are authorised to give you. When your insurance is about to renew, contact them and try to get the price down. If they are unwilling to reduce your premium, look elsewhere. 

    If you want to make further reductions, consider how you drive. For example, you should always remain inside the national speed limit. Getting a speeding ticket is liable to increase your premium. Additionally, if you reduce the annual mileage on your vehicle by cutting back on unnecessary journeys, this will positively impact your insurance premium.

    10. Install a dash cam

    Installing a dash cam can reduce your insurance premium by about 25%, and also contribute to getting your No Claims Bonus or discount. However, it’s worth pointing out that if you’re not such a careful driver, having a dash cam could cost you more money! 

    Some new high-spec cars are starting to come with pre-installed dash cams, such as the Citroen C3 Flair Plus. BMW offers the dash cam as an extra across their range. For the most part, though, drivers can order one online or buy one in a hardware shop and install it themselves. Dash cams shouldn’t be too pricey to buy and install, as many drivers already know. Dash cams are becoming very popular, with more than 50% of British drivers saying they consider this tech a motoring essential. 

    11. Use cheap parking space apps

    Apps like ParkBee and Parkopedia can help you identify cheap car parks wherever you are travelling in the UK. This could make you great savings over the course of a year – especially if you use your car a lot.

    New apps like JustPark allow British residents to hire out their own private parking spaces, which can often provide an even cheaper and more convenient alternative.

    Finding a cheaper alternative to commercial car parks could save you a lot of money in the long run.

    12. Pay your road tax annually

    All UK drivers must buy car tax for their vehicles. This money is used by central government to keep the streets clean, and fund required road work and maintenance.

    UK drivers are given the option to pay their road tax in a single annual payment, once every six months, or on a monthly basis. If you can do so, it makes sense to pay your road tax in one single payment. Single yearly payments are the cheapest option, but it will depend on your finances if you can afford to pay this way.

    13. Make good use of your warranty

    You’ll always save money in the long run by keeping your car in top condition. This means regular servicing and maintenance, and opting for high-quality replacement parts where necessary. If your car has any faults, you want to discover them as early as possible. Making good use of your warranty for free or subsidised repairs can save you thousands later on.

    14. Budget your driving

    It’s not as easy as advising drivers to ‘drive less’. Depending on where you live and your typical journeys, driving can work out much cheaper than any other transport option. However, it’s smart to think carefully about whether you’re getting return on investment for your motoring costs.

    Do you plan your trips? It’s a good idea to group errands and trips into one circular route, rather than taking frequent, short-to-medium drives.

    Can any of your regular trips be arranged as a carpool? If you alternate a couple of weekly drop-offs and pick-ups with another driver who lives near you, you’ll both be cutting your fuel costs and emissions significantly.

    Are there any routes you normally drive, but could cheaply and easily switch to public transport?

    If you’re a multiple-car household, it’s worth assessing whether you really need more than one car. If you do need a larger primary car as well as a runabout, consider a small and/or electric secondary car, to cut the running costs.

    15. Downsize your car

    Selling your car to downsize the cost could put your mind at ease during this economically turbulent time. Used cars are fetching particularly good prices at the moment and there’s more stock than ever available to purchase. You might be surprised at how much you could get for your current car. Depreciation is mostly determined by your car’s age and mileage, but there are some big brand-to-brand differences too. If you drive a brand of car that holds its value better than the competition, this could be a particularly hot tip for you.

    It’s worth considering selling your current car and switching to a cheaper model or a car that’s cheaper to run. Over the next few years, we can predict that electric cars will remain cheaper both in terms of fuel, and taxes and charges such as low emissions zones

    You can also look into buying a ‘runout’. When a car model is being redesigned and relaunched, the existing stock becomes the older generation – and these previous models or ‘runouts’ sell cheaper. 

    To see if selling your car to downsize could be the solution for you, get a free Motorway valuation now.

    Need to sell your car?

    Want to learn more about owning, maintaining, and selling your car? Check out more of our guides here, covering everything from Clean Air Zones to car tax, and plate changes to part exchange.