• New survey explores how long Brits are keeping their cars for and what’s stopping them from upgrading. 

  • One in five UK (21%) drivers keep their cars for an average of six to nine years, with 11% holding on for a decade or more.

  • Cost plays a key role, with 39% saying new cars are too expensive and 30% citing the high running costs of newer models as reasons for keeping their current vehicles.

Many UK motorists are choosing to keep their current vehicles instead of upgrading. To explore the factors influencing this trend, temporary car insurance experts Tempcover surveyed 1,000 drivers across the UK. 

More Than One in Ten Drivers Keep Their Car For a Decade or More
11% of UK drivers report holding onto their cars for at least ten years or more, showing a focus on maximising vehicle lifespan and value. A further 21% keep their cars for six to nine years, while 40% replace them every three to five years, suggesting a balanced approach between getting good value and staying up to date with newer models. At the other end of the spectrum, some drivers prefer to upgrade frequently. Nearly one in five (19%) replace their car every one to two years, and 3% change vehicles more than once a year, suggesting they prioritise access to the latest models and deals.

New Car Prices Delay Upgrades for 39% of UK Drivers

The decision by many UK motorists to keep their current vehicles is driven primarily by cost and practicality. Four in ten (41%) motorists say they’re getting the most out of their current car, while 39% cite newer vehicles being too expensive as a reason for delaying upgrades. Running costs are also a factor, with 30% pointing to high insurance, tax, and fuel bills for newer cars, while over one in five (22%) say unattractive finance deals or interest rates have held them back. Beyond finances, some drivers are motivated by attachment or satisfaction. 29% are happy with their current car’s performance and features, 16% feel attached to their current vehicle, and 10% keep it for environmental reasons.

Which of the following factors typically delays your decisions about when to replace your car?

Respondents (%)

I’m getting the most out of my current car

41%

New cars are too expensive

39%

Running costs (insurance, tax, fuel) are too high already

30%

I’m happy with my current car’s performance and features

29%

Interest rates/finance deals are unattractive

22%

I’m attached to my current car

16%

Cars don’t hold their value anymore

14%

I’m waiting until EVs become more affordable

11%

Environmental reasons (want to keep using what I already have)

10%

I haven’t found a car I like enough to replace it

9%

Claire Wills-McKissick, temporary car insurance expert at Tempcover, shares her thoughts on the costs, risks, and benefits of long-term vehicle ownership:

“Many drivers are choosing to keep their cars for longer than planned, often as a way to manage rising costs. Holding onto a car can make financial sense, helping households manage expenses, but it comes with trade-offs. Older vehicles often require more maintenance, can incur higher repair costs, and may carry safety risks – all factors drivers should consider when deciding whether to replace their car.

“Regular maintenance is key if you’re keeping a vehicle longer than planned. Routine checks on brakes, tyres, fluids, and essential components help prevent costly repairs and ensure your car stays safe on the road. Drivers should also weigh the benefits of newer models, including updated safety features, improved fuel efficiency, and modern technology, which can offer added peace of mind, cost savings, and environmental advantages.

“Temporary car insurance is a flexible solution for motorists navigating these decisions. It provides short-term cover for situations such as test-driving a potential upgrade, or keeping a replacement vehicle on the road while yours is being repaired.”