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Your cylinder head acts as the roof of your combustion engine, sitting above the cylinders and housing the intake and exhaust valves, spark plugs, and overhead camshafts.

The cylinder head is a critical component of the system, and when it fails, it can cause your engine to stop working properly.

Unfortunately, replacing your cylinder head can cost several thousand dollars. This guide to cylinder head repair cost provides information on how to know your cylinder head is failing, how much it may cost to fix it, and ways to pay for cylinder head replacement.

How Much Does a Cylinder Head Replacement Cost?

How much to replace a cylinder in a car? The cost of replacing a cylinder head will depend on the make and model of your vehicle and the cost of parts and labor. You can expect the average cost to be between $4,100 and $4,900 if you have the job done at an auto shop. If you are adept at fixing cars, you may save yourself some money by doing the job yourself.

What Impacts the Cost to Replace a Cylinder Head?

There are a variety of factors that affect the cost of replacing your cylinder head, including:

Parts Costs

On average, a new cylinder head will cost between $250 and $1,000, but some can cost as much as $6,000. Cost will depend on the brand and type of engine that you have, and whether you buy the part used or new. For rare and high-performance vehicles, the cost of a new cylinder head could run into the thousands of dollars.

Recommended: 31 Ways to Save on Car Maintenance

Labor Costs

Unfortunately, replacing a cylinder head isn’t an easy fix and usually requires disassembling your engine. You can expect it to take six to 15 hours for your mechanic to complete the task, which will likely happen throughout at least a couple of days.

Number of Cylinder Heads

If you have an inline engine, you’ll only have one cylinder. Many vehicles have “V” engines, though, which have two cylinder heads. If both of these need to be replaced, the cost of parts and labor will increase.

Repairing Other Impacted Parts

A damaged cylinder head may be the result of other issues inside your engine, such as bad bearings or piston rods. These problems will also need to be addressed when you replace the cylinder head to prevent further damage.

What’s more, a bad cylinder head could cause the engine to overheat. This can cause engine failure and result in needing to replace your engine.

Difference Between a New and Remanufactured Cylinder Head

A remanufactured cylinder head has been rebuilt with parts that are still functioning and serviceable. Every part of the cylinder head will be replaced, and the process can involve recasting, installing new parts, machining, and cleaning. Finally, the remanufactured cylinder head is tested to ensure it can withstand the stress and pressure it will be under once back inside your engine.

Can a Cracked Cylinder Head Be Repaired?

In some cases, a cracked cylinder head can be repaired instead of replaced. This involves welding the cracks, putting the cylinder back together, and stress testing it. This option costs less than remanufactured cylinder heads and replacing the part entirely.

Recommended: How Much Is My Car Really Worth?

How Are Cylinder Heads Replaced?

Replacing the cylinder head requires draining the coolant and oil from the engine and removing the intake and exhaust manifolds. If the engine has one or more timing belts or chains, these must be removed, as well. You may need to remove other parts, such as the battery, the alternator, the valves, and the engine cover. With these out of the way, the cylinder head itself can be replaced.

How Long Does a Cylinder Head Replacement Take?

A cylinder head replacement can take up to 15 hours of labor, depending on the vehicle’s make, model, and engine complexity. Factors such as the availability of parts, the condition of surrounding engine components, and whether the head needs machining can extend the time.

For some vehicles, the job may take longer, especially if additional repairs are required once the head is removed. Mechanics often need a full day or more to complete the work accurately and test the engine afterward.

Recommended: Transfer Case Repair and Replacement Cost

Signs of a Bad Cylinder Head

To know if your cylinder head is failing, watch out for these signs:

Leaking Oil

Oil leaking from the cylinder could mean that there’s a crack or a failing gasket. If you see white smoke coming from your exhaust, that could be another sign that oil could be leaking through a crack in your cylinder head.

High Engine Temperature

If your cylinder head is cracked or warped, coolant won’t be able to run freely over the part, which could cause your engine to overheat. Overheating can cause further damage to the cylinder head or other parts of your engine.

Poor Engine Performance

A cylinder head that’s warped or cracked won’t allow your engine to combust fuel as efficiently. You may notice an uptick in the amount of fuel you use and a decrease in performance.

Warped or Dented Cylinder Heads

Check your cylinder head for visible signs of cracks, dents, and warping. If you see anything unusual, have your mechanic take a look. They can help you determine the cause of the damage and what needs to be done to rectify the situation.

Can You Replace a Cylinder Head Yourself?

Replacing a cylinder head yourself is possible if you have advanced mechanical skills, the right tools, and a repair manual for your specific vehicle. The process involves disconnecting many engine components, precisely torquing bolts, and ensuring proper alignment and sealing. Mistakes can lead to serious engine damage, so unless you’re highly experienced with engine work, it’s often safer and more cost-effective to have a professional handle the job.

Recommended: Rear Differential Replacement Cost

Can You Drive With a Damaged Cylinder Head?

Driving with a damaged cylinder head is not recommended, as it can lead to severe engine damage and potentially complete engine failure. A cracked or warped cylinder head can cause coolant leaks, oil contamination, loss of compression, and engine overheating. Continuing to drive under these conditions can escalate repair costs significantly and may leave you stranded if the engine fails entirely. If you suspect a cylinder head issue, it’s best to have your vehicle inspected and repaired as soon as possible.

How to Pay for Cylinder Head Replacement

Replacing a cylinder head can be an expensive repair, often costing several thousand dollars, depending on the make and model of your vehicle. Fortunately, there are several ways to cover the cost, whether you’re looking to pay upfront or finance the repair over time.

Cash

If you have savings set aside for car maintenance or emergency expenses, paying in cash can be the simplest and most cost-effective option. You won’t have to worry about interest or loan approvals, and you’ll maintain full ownership of your vehicle without any added debt. This option works best if the repair won’t deplete your savings entirely, leaving you with a financial cushion for other emergencies.

Personal Loan

For those without sufficient savings, a personal loan can offer a quick solution. Many banks, credit unions, and online lenders provide unsecured personal loans with fixed interest rates and monthly payments. If your credit is good, you might qualify for favorable terms. Personal loans give you the flexibility to pay for the repair upfront and then repay it over time, often with terms ranging from 12 to 60 months.

Auto Loan Refinance

If you currently have an auto loan, an auto loan refinance could be a strategic way to free up cash for repairs. Refinancing at a lower interest rate or extending your loan term may reduce your monthly payment, allowing you to redirect the savings toward the cylinder head replacement. Some lenders even offer cash-out auto refinancing, which lets you borrow more than what you owe and use the extra funds for repairs.

Recommended: Pros and Cons of Car Refinancing

The Takeaway

Your cylinder head is a crucial component of your engine, so it’s important to get it repaired or replaced when it’s damaged. The cost of replacement can be significant, running upward of $3,000.

Ways to pay for a cylinder head replacement include cash savings, taking out a personal loan, or refinancing your vehicle.

If you’re seeking auto loan refinancing, SoFi is here to support you. On SoFi’s marketplace, you can shop and compare financing options for your car in minutes.

FAQ

Can I replace just one cylinder head?

Yes, you can replace just one cylinder head if only one side is damaged, especially in V-type engines with separate heads for each cylinder bank. However, it’s important to ensure the other head is in good condition to avoid future issues and maintain balanced engine performance.

Can I prevent cylinder head damage?

Yes, you can prevent cylinder head damage by maintaining proper engine cooling, regularly checking coolant levels, avoiding engine overheating, and changing oil on schedule. Promptly addressing warning signs like overheating or loss of coolant can also help. Routine maintenance is key to preventing costly cylinder head issues.

What are the common causes of cylinder head failure?

Common causes of cylinder head failure include engine overheating, poor cooling system maintenance, lack of proper lubrication, and manufacturing defects. Warped or cracked heads can also result from rapid temperature changes, excessive engine stress, or prolonged neglect of warning signs like coolant leaks or engine misfires. Regular maintenance helps prevent failure.

How long does a cylinder head last?

A cylinder head can last over 100,000 miles or the lifetime of the engine with proper care. Its longevity depends on factors like engine maintenance, driving habits, and coolant system health. Regular oil changes and preventing overheating are key to extending the life of a cylinder head and avoiding costly repairs.

Photo credit: iStock/PixelsEffect

SoFi's marketplace is owned and operated by SoFi Lending Corp.
Advertising Disclosures: The preliminary options presented on this site are from lenders and providers that pay SoFi compensation for marketing their products and services. This affects whether a product or service is presented on this site. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider. See SoFi Lending Corp. licensing information below.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.


Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

SOALR-Q225-021

Refinancing your auto loan after repossession is possible. If your car gets repossessed, knowing what to expect and what your options are for refinancing can make the situation a little less intimidating.

Losing your vehicle to repossession is not necessarily permanent. Lenders may be willing to negotiate new terms following a repossession.

Learn more about refinancing your car after repossession, including how to get your car back from a repossession, refinancing after a repossession, how a repossession affects your credit, and more.

When Can a Car Repossession Happen?

If you’re unable to pay your monthly loan payment on your car, the bank can repossess it. Now you’re without a vehicle to get to work, and you’re likely at a loss about what to do next.

A car repossession can happen if you default on a secured auto loan. A secured auto loan is a traditional car financing contract in which the lender has a lien or security interest in the vehicle until the loan is paid off. The security interest gives the lender the right to seize or repossess your vehicle if you default on the loan. A default can occur if you fall into delinquency and fail to make required car loan payments.

A number of situations can make it difficult to pay your loan. You might have lost your job and not have the funds to cover your bills. Or maybe you have an upside-down auto loan, meaning you owe more than the vehicle is worth and are struggling to pay it down.

Some lenders may be flexible and provide you with a little leeway if you’re having a temporary financial issue. The key is to communicate with your lender.

Recommended: Refinance Car Loan With Same Lender

How to Get Your Car Back From a Repossession

Whether you can get your car back after being repossessed depends on several factors, including how many months you’ve gone without making a payment on your loan. If it’s been a month or two, your lender may work with you to let you catch up on late payments and get your vehicle back. If it’s been longer, the lender may sell your car at auction to recoup the cost of the loan you didn’t finish paying.

In addition to catching up on past-due payments, you may also have to cover costs associated with the repossession process, which could include towing and vehicle storage.

It’s important to understand that even if your car is seized and sold at auction, you may still be on the hook for paying the balance on the loan. If the auction sells the vehicle for less than you owe, you will still be responsible for paying the difference, including any outstanding principal, interest, and fees. Let’s say you owe $3,000 and the car sells for only $2,000. You would still owe your lender $1,000, even though you no longer have the car.

Can You Refinance a Car Loan After Repossession?

So, can you refinance an auto loan after repossession? Yes, refinancing your car loan after repossession is a possible option to explore.

If you want to refinance after repossession, it might make sense to refinance with the lender you already have a loan with. But realize you’ve got a lot working against you there, since that lender has already seen you miss payments and has had to go to the trouble of repossessing your car. However, your lender might consider giving you a refinance if you refinance over a longer period for a lower monthly payment.

If your original lender refuses, you’re not out of options for refinancing your auto loan after repossession. Check if you qualify with a bank or another auto lender. If you don’t, perhaps because your credit scores dipped from delinquency and repossession, consider adding a cosigner to qualify for an auto loan refinancing at a decent rate.

Recommended: Pros and Cons of Car Refinancing

Watch Out for Predatory Lenders

When you start looking for refinancing options after your car is repossessed, you may come across lenders who seem ready to bend over backward to get you the refinance loan you need. But that comes at a price.

These lenders may say that even if you have bad credit, you can qualify for a car loan. This could be appealing if you do indeed have bad credit, but look out for astronomical interest rates, hidden fees, and other tactics associated with predatory lending. Read the fine print carefully and don’t let a sales rep pressure you into any financing you’re not fully on board with. Ask important questions regarding your possible new loan, including:

•   What’s the monthly payment?

•   For how many months will you have to make payments?

•   What’s the APR on the car loan?

•   Do the finance charges on the car loan use simple or precomputed interest?

•   What’s the total cost of the loan?

•   Are there any prepayment penalties or other fees?

•   Finally, if your gut says something is fishy, just walk away.

Recommended: Refinancing With Bad Credit

How Long Does a Car Repossession Affect Your Credit?

Does refinancing hurt your credit? Yes, refinancing may cause a temporary dip in your credit score if the lender conducts a hard pull inquiry into your credit report, but having your car repossessed can cause greater damage.

A car repossession can affect your credit in the following ways:

•   Repossession can leave a derogatory mark on your credit report for seven years from when you stopped paying your auto loan.

•   Having a repossession recorded in your credit report can make it more difficult to get another loan.

•   You’ll have late or missing payments on your auto loan, which may be reported to credit bureaus.

•   If your car is repossessed, you may have a collection account on your credit report reflecting that.

•   You may also have a court judgment if the collections company is unable to collect the balance you owe.

Is Voluntary Surrender Better Than Involuntary Repossession?

One way to potentially lessen the impact of a car repossession — including the embarrassment of having it towed from your driveway — is through a voluntary surrender.

Some borrowers with delinquent car loans may prefer voluntary surrender over having their car taken at an unsuspecting time through repossession. Voluntary surrender happens when you contact your lender and volunteer to give up the car rather than having it repossessed involuntarily. This shows your willingness to be responsible and can save you the hassle of an involuntary repossession. Nonetheless, voluntary surrenders may appear on your credit report.

What Is a Voluntary Surrender?

Rather than waiting for your car to be taken, you can reach out to your lender to inform them that you are unable to continue paying on the loan. You can then make arrangements to give up the vehicle on your own accord. This is called a voluntary surrender.

A voluntary surrender may lead to the following outcomes:

•   When you reach out, the lender may want to work with you to find a way for you to continue paying the loan.

•   The voluntary surrender may appear on your credit report as a voluntary surrender, which can show other lenders that you were cooperative in trying to work out a solution on your auto loan.

•   Your credit scores may be impacted.

A voluntary surrender is a derogatory event, but some creditors may view it as less egregious than an involuntary repossession. That being said, losing your vehicle to repossession is not necessarily game over. You may be able to get your car back by reinstating your car loan.

Recommended: How to Sell a Car You Still Have a Loan On

The Takeaway

Refinancing an auto loan after a repossession can be challenging, but it’s not impossible. By understanding your credit situation, exploring lender options, and demonstrating financial responsibility, you may be able to secure better terms or even qualify for a new loan down the line.

If you’re seeking auto loan refinancing, SoFi is here to support you. On SoFi’s marketplace, you can shop and compare financing options for your car in minutes.

FAQ

Can you refinance after your car has been repossessed?

Yes, you can refinance after your car has been repossessed, but it’s difficult. Repossession severely impacts your credit, making it harder to qualify for traditional refinancing. However, some lenders offer options for those with poor credit, especially if you’ve rebuilt your credit and can show financial stability and consistent income.

What does it mean to be upside down on a car loan?

To be upside down on a car loan means you owe more than the current value of the vehicle. It’s also known as being underwater.

Can you get a loan after a repossession?

Depending on your qualifications, you may be able to get a consumer loan after repossession. This includes the possibility of getting another car loan, but the financing may come at a higher interest rate than what you had previously qualified for.

Photo credit: iStock/MCCAIG

SoFi's marketplace is owned and operated by SoFi Lending Corp.
Advertising Disclosures: The preliminary options presented on this site are from lenders and providers that pay SoFi compensation for marketing their products and services. This affects whether a product or service is presented on this site. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider. See SoFi Lending Corp. licensing information below.

Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.


Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

SOALR-Q225-003

You can register your car at a state or local Department of Motor Vehicles without a driver’s license. All 50 U.S. states and the District of Columbia have vehicle registration requirements, but none of them require a driver’s license as a condition of registration.

If your driver’s license has been confiscated, suspended, or revoked, or if you’ve never had a driver’s license to begin with, you may still purchase a vehicle and register it with the appropriate government agency where you reside. Below we provide details on how to register your vehicle in the United States.

What Is a Car Registration?

Car registration is a credential, certificate, or document that a car owner receives upon registering the vehicle with a government Department of Motor Vehicles, or DMV. It may be valid for one year or multiple years before expiring. Car owners may renew their registration as needed.

As mentioned earlier, all 50 U.S. states and the District of Columbia have car registration requirements. A car registration would generally identify the make and model of a car, the vehicle identification number, the license plate tag number, and the name and home address of the vehicle’s current owner.

Why Do You Need to Register a Car?

Car owners need to register their vehicles with the appropriate government agency to comply with the law. As mentioned above, all 50 U.S. states and the District of Columbia have car registration requirements, and it may be valid for one year or multiple years before expiring.

All states and the District of Columbia generally require every vehicle operated on public highways to be registered. Car owners may renew their registration as needed. Some states require vehicles to pass a safety inspection and emissions test before you can renew your vehicle registration.

Driving without registration can result in traffic citations and fines. Some states may allow you to drive up to five working days after your registration expires without penalty. Driving without registration in some states can result in traffic fines up to $200.

What You Need to Register a Car

Registering a car is an essential step in making your vehicle legally road-ready. Whether you’re buying a new car or moving to a new state, each Department of Motor Vehicles (DMV) has specific requirements. While details vary by location, most states require several standard documents and pieces of information to complete the process, including:

•   Valid Driver’s License or Photo ID: Used to verify your identity.

•   Proof of Ownership: Typically the car title or bill of sale.

•   Proof of Insurance: Most states require liability coverage before registration. New Hampshire, however, has no mandatory car insurance law.

•   Vehicle Inspection or Emissions Test Certificate (if required): Some states mandate safety or emissions testing.

•   Completed Application for Registration: This form is usually available at your local DMV or online.

•   Payment for Registration Fees: Fees vary by state and may depend on the vehicle’s age, weight, or value.

•   Proof of Residency (if registering in a new state): Utility bills or lease agreements may be accepted.

Before heading to the DMV, gather the necessary paperwork to ensure a smooth vehicle registration process. Checking your state’s DMV website ahead of time can help you prepare for any specific requirements or additional steps you may need to complete.

Recommended: Can a Cosigner Become the Primary?

Can You Register a Car Without a License?

Yes, you can register a car without a driver’s license. A driver’s license is only required to legally operate a motor vehicle on public roads, but you do not need a driver’s license to register your vehicle.

You may need a suitable form of photo identification to register your vehicle, but your photo ID doesn’t need to be a driver’s license. A U.S. passport, for example, can serve as suitable proof of identity.

You can register a vehicle for the first time and renew your vehicle’s registration without holding a valid driver’s license. You may buy a new or used car and register it with the appropriate motor vehicle agency even if that agency had revoked your driving privileges for traffic violations.

Can You Refinance a Car Without a License?

​It’s possible to refinance a car without a driver’s license, but it can be more challenging. Most lenders require a valid government-issued photo ID to verify your identity during the refinancing process. While a driver’s license is the most commonly accepted form of identification, some lenders may accept alternatives such as a state-issued ID or passport. However, policies vary by lender, and some may insist on a valid driver’s license.

Recommended: What Should Your Average Car Payment Be?

How Long Does It Take to Register a Car?

You can register a car in one business day. Some states may require the initial registration to take place in person when titling the vehicle at a local service center. The registration process could take an hour or less depending on how busy the service center may be.

States generally allow car registration renewals to take place online. Renewing a registration online may take just a few minutes.

Recommended: Financing a 10-Year-Old Car

How Much Does It Cost to Register a Car?

Each state has its own fee structure for registering a car. Some states may charge over $200 for the initial registration fee, while other states may charge less than $20 in car registration fees. Registering large vehicles may cost more than registering small vehicles under 3,500 pounds.

Registration fees are just one of the costs of owning a vehicle. Here are a few ways you can possibly save money on the cost of your car:

•   If you have a car loan and are seeking to lower your costs, you may explore if and when to refinance a vehicle.

•   Stay on top of maintenance, as regular servicing helps prevent costly repairs later.

•   Learn basic repairs, such as oil changes and air filter replacements.

•   Keep tires properly inflated, as well-maintained tires improve gas mileage and last longer.

Recommended: Pros and Cons of Car Refinancing

Can You Register a Car Online?

Some states may allow you to register a car online without making any trips to the DMV. Nevada, for example, allows you to go online to register cars bought from a Nevada dealer.

Other states may require the initial registration to be conducted in person. States generally allow car registration renewals to be done online when you need to renew an expiring certificate of registration.

Can You Transfer Your Registration to a New Car?

You may transfer your vehicle registration to a new car if your state allows it. A transfer of registration occurs when a vehicle owner takes a vehicle off the road and transfers its license plates and registration over to another vehicle.

Transferring an existing registration to a new car can be more cost-effective than ordering new license plates when registering your car. If you trade in or sell your vehicle, you may be allowed to transfer the registration and vehicle plates to another vehicle you own.

Recommended: 11 Tips for Buying a High-Mileage Car

When Do You Need a Vehicle Registration Certificate?

You need a vehicle registration certificate whenever you operate a vehicle on public roads in any of the U.S. states or the District of Columbia. All states generally require your certificate of registration to be carried in your motor vehicle at all times when it is being operated on a public highway.

A few states and the District of Columbia allow their registered drivers to carry electronic proof of vehicle registration as an alternative to carrying a physical credential. These drivers may carry electronic proof of registration on a cellphone.

The Takeaway

While you can register a car without a driver’s license, the process can be complicated and may require additional documentation, such as proof of insurance and identification. Whether you’re purchasing a car for someone else, collecting a vehicle, or planning to get your license soon, it’s important to check your state’s specific requirements.

And if you already own a car but are looking to save money, refinancing your auto loan could help lower your monthly payments or reduce your interest rate, even if you’re not currently driving.

If you’re seeking auto loan refinancing, SoFi is here to support you. On SoFi’s marketplace, you can shop and compare financing options for your car in minutes.

FAQ

How do I process vehicle registration?

You may go to a local Department of Motor Vehicles service center in your state to complete a vehicle registration. You will need to present proof of identity when registering a vehicle in your name for the first time. Your state may permit online renewals when renewing an expiring certificate of registration.

How much is car registration?

Each state has its own fee structure for registering a car. Some states may charge over $200 for the initial registration fee, while other states may charge less than $20 in car registration fees. Registering large vehicles may cost more than registering small vehicles under 3,500 pounds.

Can I get car insurance without a license?

Getting car insurance without a license can be challenging, but it’s possible. Some insurance companies will allow you to list a licensed primary driver or co-owner on the policy instead of yourself.

Photo credit: iStock/Bill Oxford

SoFi's marketplace is owned and operated by SoFi Lending Corp.
Advertising Disclosures: The preliminary options presented on this site are from lenders and providers that pay SoFi compensation for marketing their products and services. This affects whether a product or service is presented on this site. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider. See SoFi Lending Corp. licensing information below.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.


Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

SOALR-Q225-001

The current cost of replacing a car’s timing chain is typically between $1,600 and $2,000. That’s a significant cost, but the timing chain is a critical component of the internal combustion engine. When it fails, it’s important to replace it as soon as possible.

Here’s an in-depth look at what the timing chain does, how to know when it needs to be replaced, and the cost to replace a timing chain.

What Is a Timing Chain?

To understand what the timing chain does, it helps to know how the internal combustion engine works. This type of engine has pistons, which sit inside the cylinders, that drive the crankshaft. A mixture of fuel and air is injected into the cylinder and ignited by the spark plug. The resulting combustion pushes the piston, and the exhaust exits the cylinder.

The camshaft helps time the intake of fuel and exhaust, and the timing chain helps coordinate the movement of the camshaft and the crankshaft. This ensures the intake and exhaust valves open and close at the right time.

New vehicles likely have a timing belt rather than a timing chain. The function of the timing belt is the same, but they run more quietly, they’re stronger, and they potentially do less damage if they snap.

Recommended: Cylinder Head Replacement Cost

What’s Included in Timing Chain Replacement?

There are a number of other components surrounding the timing chain, including the tensioners and guides that hold the chain in place. These are replaced at the same time as the timing chain, as are the crankshaft and camshaft sprockets, since they tend to wear out at the same rate as the timing chain.

When to Replace a Timing Chain

Timing belts tend to wear out sooner and more often than timing chains, which may last for your car’s full lifetime. Experts suggest that you might need to replace your timing chain at 80,000 to 120,000 miles, especially if you experience the warning signals below.

Timing Chain Warning Signs

If your vehicle is getting older, there are signs you should be on the look for that could signal your timing chain needs to be replaced.

It’s Difficult to Start the Vehicle

If your timing chain breaks, your engine will not start. If the timing chain snaps while you’re driving, your engine may fail. Other components may be damaged, and you could end up needing to replace your engine. As a result, it’s very important that you stay on top of warning signs your chain is failing.

The Check Engine Light Is On

If there’s something wrong with your timing chain, your check engine light should come on. The light won’t tell you specifically what’s wrong with your engine, but it will let you know that it’s time to have your car looked at by a mechanic.

The Engine Is Sluggish or Misfires

If your timing chain is wearing out, it could skip a gear on the camshaft or the crankshaft. When it does, your engine may accelerate poorly or even misfire.

The Engine Vibrates or Shakes When Idling

A failing timing chain could cause your engine to vibrate or shake because components may not be lining up properly. It may be easier to feel these vibrations while the engine is idling than it is when you are driving your car. Rattling sounds can also be caused by a loose timing chain.

What Happens If You Don’t Replace the Timing Chain?

A failing timing chain will cause poor engine performance because the intake and exhaust valves may not open and close correctly. As a result, you may not be getting complete combustion, and your car may not accelerate properly or you may experience misfires in the engine that cause stuttering.

If your timing chain breaks, your car will not start. If you’re driving, your engine may fail, which could put you in a dangerous position, especially if you’re driving on the highway, for example.

If the timing chain snaps while the engine is on, it could cause damage to other engine components. For example, the valves and pistons could hit each other, which could cause the valves to break and cause damage to the pistons.

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How Much Is Timing Chain Replacement Cost?

On average, the cost to replace a timing chain is about $1,600 and $2,000 as of 2025. But it may not just be a matter of how much a timing chain is. If you have to replace a related part, like the timing chain tensioner (which keeps the chain tight) as well, that could add $1,000 to the job.

Recommended: Smarter Ways to Get a Car Loan

What Impacts the Cost to Replace a Timing Chain?

There are a number of factors that play into the cost of replacing your timing chain, including:

Make and Model of Your Car

Most older cars have a timing chain. You can get timing chains that are generic and built to fit as many cars as possible, and they tend to be relatively inexpensive. However, your car may require a higher-quality chain, in which case it will cost you more to replace it. The type of timing chain you need comes down to the make and model of your car.

Cost of Labor

Replacing a timing chain will usually take a mechanic between five and eight hours. Compensating your mechanic for this time will be a large component of cost. Exact timing will depend on the make and model of your vehicle and how complicated the set up and replacement is on your specific vehicle.

Parts That Need to Be Replaced

Often, other parts will need to be replaced, too, along with the timing chain. The tensioners (as mentioned above) and guides that hold the chain in place and the crankshaft and camshaft sprockets will likely be replaced at the same time as the timing chain, for example. The cost of these parts and time to replace them can increase your overall bill.

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The Takeaway

Your timing chain is a critical component in your engine. As your car ages, it’s important to watch out for warning signs that it needs to be replaced to avoid engine failure and costly damage to nearby parts. Unfortunately, replacing your timing chain is expensive. It’s typically between $1,600 to $2,000. If you’re looking for ways to make room in your budget for replacement costs, consider refinancing your auto loan.

If you’re seeking auto loan refinancing, SoFi is here to support you. On SoFi’s marketplace, you can shop and compare financing options for your car in minutes.

FAQ

Is it worth it to replace a timing chain?

Yes. Your timing chain is critical to a properly functioning engine, so if it’s failing, you must replace it.

Can you drive with a damaged timing chain?

Driving with a damaged timing chain is not recommended. If it snaps while you’re driving, for example, your engine will fail. A snapped chain can also cause damage to other parts of your engine. If the damage is severe enough, you could end up having to replace the entire engine.

How many hours does it take to replace a timing chain?

It usually takes between five and eight hours to replace a timing chain.

Photo credit: iStock/Stadtratte

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Advertising Disclosures: The preliminary options presented on this site are from lenders and providers that pay SoFi compensation for marketing their products and services. This affects whether a product or service is presented on this site. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider. See SoFi Lending Corp. licensing information below.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOALR-Q225-005

Luxury cars can be a thrill to own and drive, from their elevated design to their high-performance engines to their posh finishes. They cost more than your basic set of wheels, so it’s likely understandable that they generally have high maintenance costs. You can spend thousands of dollars maintaining an Audi, BMW, Jaguar, Lexus, Mercedes-Benz, or any other luxury car brand.

Below, you’ll learn the average maintenance cost for luxury vehicles, plus which makes and models have the cheapest and most expensive maintenance costs. This can help you understand what charges may await you if you decide to splash out on a high-end car. Plus, you’ll learn how to finance those costs.

What Is the Average Maintenance Cost for a Luxury Car?

The average 10-year maintenance cost for a luxury car is almost $13,000, according to an analysis of data on CarEdge.com, an automotive research and vehicle listings marketplace.

CarEdge documented 10-year maintenance costs for more than 200 unique car makes and models and found that overall, Tesla had the cheapest maintenance cost at $4,287. Bentley, meanwhile, had the most expensive maintenance cost at $36,522.

Which Luxury Car Has the Cheapest Maintenance Costs?

These five luxury car brands have the lowest maintenance expenses, according to CarEdge’s rankings and data as of 2025:

1. Tesla

Tesla vehicle models have an average $4,287 in maintenance and repair costs during their first 10 years of service. Tesla is classified as a low-maintenance luxury car brand in CarEdge’s rankings. Electric cars tend to be popular with millennials, according to car ownership in the U.S. surveys.

2. Lexus

Lexus car models share an average $7,130 maintenance and repair cost during their first 10 years of service. Lexus is a luxury brand division of Toyota Motor Corporation.

3. Genesis

Genesis is the luxury brand made by Hyundai Motor Company. The costs for maintenance were calculated to be $7,626 over the first 10 years.

4. Acura

Acura car models share an average $8,566 maintenance and repair costs during their first 10 years of service. Acura is a luxury brand of Honda Motor Co.

5. Alfa Romeo

Alfa Romeo car models share an average of $8,733 in maintenance and repair costs during their first 10 years of service. Known for its Italian heritage, Alfa Romeo is one of 14 brands owned by Stellantis, a multinational automotive company.

Recommended: 31 Ways to Save Money on Car Maintenance

Which Luxury Car Is Most Expensive To Maintain?

The most expensive car repairs can involve repairs to the engine or transmission. These five luxury car brands have the highest maintenance costs, according to CarEdge’s rankings and data as of 2025:

1. Bentley

Bentley car models share an average $36,522 in maintenance and repair costs during their first 10 years of service, according to CarEdge’s findings. Bentley makes ultra-premium cars, so this intel may not come as a surprise.

2. Land Rover

Land Rover car models share an average of $18,304 in maintenance and repair costs during their first 10 years of service. Land Rover is a brand of Jaguar Land Rover Automotive PLC, a manufacturer of luxury vehicles.

3. BMW

BMW car models share an average of $15,991 in maintenance and repair costs during their first 10 years of service. BMW is the flagship brand of BMW Group, a manufacturer of premium vehicles.

4. Jaguar

Jaguar car models share an average of $15,662 in maintenance and repair costs during their first 10 years of service. Jaguar is a brand of Jaguar Land Rover Automotive PLC.

5. Mercedes-Benz

Mercedes-Benz car models share an average of $12,962 in maintenance and repair costs during their first 10 years of service. Mercedes-Benz is a brand of the Mercedes-Benz Group, a luxury automaker.

Pros and Cons of Owning a Luxury Car

The table below highlights some of the pros and cons of owning a luxury car:

Luxury Car Maintenance vs Regular Car Maintenance Costs

When comparing the costs of luxury car maintenance vs. non-luxury car maintenance, here are some points to consider:

•   Luxury cars are generally more expensive to maintain

•   Electric cars have the lowest maintenance costs compared with hybrid and conventional vehicles

•   European luxury cars generally cost more to maintain than American or Asian luxury cars

•   Non-luxury American, Japanese, and Korean car models generally have the lowest 10-year maintenance costs overall

European luxury brands, including Land Rover, BMW, Mercedes-Benz, and Jaguar, have the highest 10-year maintenance costs, according to Consumer Reports.

Cars generally lose value over time, but luxury cars may experience a faster rate of car depreciation than non-luxury cars.

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Luxury Car Maintenance Cost Comparison

The Tesla Model 3 is the luxury car with the lowest maintenance cost, according to CarEdge. Luxury car maintenance costs can vary by make and model. Using CarEdge data, here is a table comparing the maintenance costs of luxury cars from cheapest to most expensive:

Financing and maintaining a luxury car may come at a steep cost. Below, learn some of the key ways to pay for luxury car maintenance.

Cash or Debit

You could use cash or a debit card to pay for luxury car maintenance if you have enough money or sufficient funds in your checking or savings account. Bankrolling the maintenance costs can deplete your savings, but the upside to using cash is it completes a transaction without relying on a creditor.

Credit Cards

You can use credit cards to pay for luxury car maintenance. Some credit cards provide cash back on all purchases, but interest charges can be high, especially if you’re only making minimum payments. You can avoid credit card interest charges on new purchases by paying your statement balance in full each billing cycle. That, however, may not be possible if you’re purchasing a car that costs into the six figures.

Personal Loans

Here’s another option for financing your luxury car’s maintenance costs: You can take out personal loans. These products offer options, such as unsecured loan or a secured one, with your vehicle potentially serving as collateral. Personal loans provide borrowers with a lump sum of money and a payment schedule for repaying the loan over a set term.

Recommended: What Should Your Average Car Payment Be?

Refinancing Your Luxury Car

Auto refinancing can provide some relief if you need a lower monthly payment on your luxury car loan. Refinancing pays off your original car loan with a new loan agreement.

Typically, the goal for refinancing a car loan is to snag a lower interest rate and lower monthly payment. (Refinancing for a longer term may lower your monthlies but increase your total interest costs over the life of the loan.)

When To Refinance a Car

Your personal circumstances can help you determine whether and when to refinance a car. Refinancing may make sense if you have built your credit score and may qualify for a lower interest rate. Or perhaps, due to economic factors, rates have fallen enough that refinancing is a wise move.

Also, if you have equity in your car and are looking to pull some money out of that (say, to pay for maintenance, you might look into a cash-out refinance.

Pros and Cons of Auto Refinancing

There are some pros and cons of auto refinancing.

•   Refinancing may lower your monthly charges and the amount of interest you pay over the life of the loan.

•   However, refinancing could wind up costing you more in interest over time if you extend the loan’s term. Also, when you apply for a new car loan, the hard credit pull that’s usually performed can cause your credit score to drop several points temporarily.

Refinancing Your Luxury Car

If you refinance your luxury car, it’s smart to shop around and check rates. Consider the APR, or annual percentage rate, you qualify for, vs. simply the interest rate. That APR will give you a better idea of the true cost of the loan, since fees are factored in.

Once you’ve compared auto loans available from banks, credit unions, and online lenders, and decided which option is the best fit, you can move ahead with your application.

Recommended: Exhaust Manifold Replacement Cost

The Takeaway

Luxury cars can be a major source of driving enjoyment and pride, but these vehicles are generally expensive to buy and keep up. Maintenance costs can average around $13,000 over a 10-year period. If you’re thinking about buying one of these cars or refinancing your current loan, it’s wise to shop around.

If you’re seeking auto loan refinancing, SoFi is here to support you. On SoFi’s marketplace, you can shop and compare financing options for your car in minutes.

FAQ

How much is the maintenance cost for luxury cars?

The maintenance cost can vary depending on the make and model of the luxury car. These maintenance expenses can range from several thousand dollars to more than $30,000 over a 10-year period, according to an analysis by CarEdge.com, with an average of around $13,000.

Which of the luxury cars is cheapest to maintain?

The Tesla Model 3 has the cheapest 10-year maintenance cost at $3,257 in 2025, according to CarEdge, which classifies the Model 3 as a luxury auto. The vehicle is made by Tesla Inc., a manufacturer of fully electric vehicles.

Which luxury car is the most expensive to maintain?

Bentleys are the most expensive luxury car to maintain, with 10-year costs totaling more than $30,000 on average. These are very pricey cars to begin with, considered one of the most costly brands on the market.

Photo credit: iStock/bluecinema

SoFi's marketplace is owned and operated by SoFi Lending Corp.
Advertising Disclosures: The preliminary options presented on this site are from lenders and providers that pay SoFi compensation for marketing their products and services. This affects whether a product or service is presented on this site. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider. See SoFi Lending Corp. licensing information below.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOALR-Q225-004