The question of what a car costs in Switzerland is actually easy to answer: a lot! And probably significantly more than you will think. If you buy a vehicle, you should consider what follow-up costs you will incur. The choice of model is already decisive for this. So that you are not surprised later, we show you how to calculate the costs.
If you buy a new car, you often underestimate the costs involved. This is not only about the purchase. These costs know everyone already in the apron. What is often not considered are the costs for tax, refueling or the rent for the garage. Many factors are responsible for the fact that driving a car can become really expensive. However, the loss of value of a vehicle is the worst.
The operating costs
The operating costs for a vehicle consist of variable and fixed costs. With fixed costs, it doesn't matter whether you use the car or whether it sits in the garage all day long. These costs are always incurred. The variable costs depend on how you use your car. For example, if you drive a lot of miles, the costs turn out to be higher. These can be lowered only by a prudent driving style.
When buying you should already consider, the more powerful your vehicle is, the higher the costs will also be. We would like to show you an example of how the costs for a vehicle are made up.
Our sample car
By the choice of the vehicle automatically also the costs are affected. The sample car which we have taken for calculation once, costs CHF 35.000 and achieves an annual mileage of 15.000 km. The fixed costs would be CHF 6 per year.530 and the moving costs about CHF 3.900 amount. This would mean that the vehicle costs 70 centimes per kilometer.
On average, one reckons with an annual depreciation of about 10 percent, which is certainly too little for a new car. With second-hand cars, however, this is again too much. As a rule, the greatest loss in value of a car occurs in the first three years.
This is how the costs are made up:
The amortization: this is the amount you either spend on the lease or loan installment or save for a new car.
Insurance: You always need liability insurance. If you lease a vehicle, you usually have to insure it fully comprehensive as well. As a beginner you pay high insurance premiums here. The premiums alone can amount to several thousand francs per year. An insurance comparison is always worthwhile here. The premiums also vary from canton to canton.
The freeway vignette: You need this even if you don't want to take any risks. If you are caught without, you have to expect a fine. The cost of the vignette is 100 francs.
The motor vehicle tax: For your car you have to pay a motor vehicle tax. Also these differ depending on the canton and are calculated according to cubic capacity, weight and power.
Diesel or gasoline: If you drive a lot with your car, the fuel costs will also increase. Can you plan approximately how much you will drive your car, you can already earmark these costs. But keep in mind when calculating that fuel prices fluctuate.
Service and repairs: It's hard to budget for this item. Specialists calculate on average per 10.000 kilometers driven with expenses of about 800 francs. Depending on the defect, however, the costs can be significantly higher. But also the inspections and regular maintenance should not be disregarded in your calculation.
The tires: The more you drive, the sooner you need new tires. And since there must be usually four of these, this can become fast expensive. Here, too, a price comparison is always worthwhile.
Parking: If you are on the road a lot you also need to calculate the cost of parking. This can quickly add up to 200 to 300 francs a month. If you always drive to the same places, it can be worthwhile to look once for advertisements. Often you will find parking spaces that you can rent cheaply. You also need a card for the blue zone? Here, too, the prices are quite different and range between 200 and 300 francs.
Fines: Certainly, parking fines are sometimes hard to avoid, but have the disadvantage that they are very expensive. A serious mistake in traffic is not only expensive, but can also be dangerous for you and your fellow men. If you do not keep to the traffic rules, costs of a few hundred francs to a few thousand francs can accumulate. You can easily save these costs.
Not to forget the costs for cleaning, for possible accessories, towing, the automobile club and legal protection insurance. Here you should consider what is really necessary and where you can save here.
In Switzerland the monthly average gross income is about 10.000 francs. So that people could be mobile, they spent an average of 10 percent of their income. Most of this was for the private car. The average here is 780 francs per month. Here, however, all costs such as purchase, insurance, gasoline or repairs are already included. For public transport, you spend on average only 149 francs per month. No wonder, since in Switzerland almost 79 percent of all inhabitants own at least one car. Already in the 70's the part that the inhabitants spent on their car was about 10 percent.
In contrast, the population had to spend less on food and drink. Only 6.9 percent had to be spent on soft drinks and food. But of course, recreation, culture and entertainment should not be neglected. For this, 6.6 percent of income was spent. However, 29 percent of the total budget goes to health insurance, social security and taxes, with taxes taking the lion's share here. These are on average 1.200 francs.
This leaves the average household with 1.200 francs to save. This is still about 12 percent, which can be put aside every month. Lower pay grades with incomes of less than 5.000 francs, however, can hardly put anything on the side. This means that every Swiss household has a disposable income of about 6.000 francs has. This is also because more than one person is employed in more than 39 percent of all households.