10 U.S. Cities With the Most Expensive Car Repairs

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Susan Meyer
Senior Editorial Manager

Susan is a licensed insurance agent and has worked as a writer and editor for over 10 years across a number of industries. She has worked at The Zebr…

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  • Licensed Insurance Agent — Property and Casualty
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Renata Balasco
Senior Insurance Specialist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…

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  • 5 years of experience in the insurance industry
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Beth Swanson
Insurance Analyst

Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…

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  • Associate in Insurance (AINS)
  • Professional Risk Consultant (PRC)
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Where Car Repairs Hit Drivers' Wallets Hardest

Having your car break down is never fun, especially when you get the repair estimate from your mechanic. Wondering if it's just you, or if everyone feels that way? A big contributing factor to that sticker shock could be where you live. We looked at the 10 most populous cities in the U.S. to find where car repairs cost the most.

We reviewed four different types of repairs, using the highest end of the estimate range:

  • Brake hose replacement for both front sides
  • Alternator replacement
  • Transmission replacement
  • Average repair cost due to road quality

Then we compared each of those figures to the MSA's median household income to see where car repairs hurt drivers' wallet the most. Check out the 10 most expensive cities, plus a roundup of the cheapest 10 cities at the end. 

#1: New Orleans, Louisiana

New Orleans drivers face steep repair bills relative to the city's median household income of $65,012. Brake hose, alternator, and transmission replacements all rank as the most expensive out of all the cities we evaluated, collectively accounting for 15.46% of annual income. The average repairs from road quality were just slightly better, coming in fourth place overall.

New Orleans by the numbers

  • Median household income: $65,021
  • Typical cost of brake hose replacement: $559 (0.86% of income)
  • Typical cost of alternator replacement: $955 (1.47% of income)
  • Typical cost of transmission replacement: $8,540 (13.13% of income)
  • Typical cost of repairs due to road quality: $716 (1.10% of income)

#2: Oklahoma City, Oklahoma

Oklahoma City residents have more income to work with at just under $77,000, but car repairs don't help stretch those dollars. The city's road quality results in $897 in repair costs on average, which is the second highest relative to income in the nation. Drivers who need a transmission replacement should be prepared to shell out more than 11% of the median income, along with 1.3% for a new alternator and 0.75% for new brake hoses.

OKC by the numbers

  • Median household income: $76,960
  • Typical cost of brake hose replacement: $577 (0.75% of income)
  • Typical cost of alternator replacement: $974 (1.27% of income)
  • Typical cost of transmission replacement: $8,683 (11.19% of income)
  • Typical cost of repairs due to road quality: $897 (1.7% of income)

#3: Memphis, Tennessee

Drivers in Memphis should be wary if they ever need to replace their alternator or transmission — both rank second as the most expensive compared to income (1.29% and 11.72%, respectively). Road quality-related repairs come in fifth place at just over 1% of income while brake hose replacement comes in seventh place overall.

Memphis by the numbers

  • Median household income: $70,056
  • Typical cost of brake hose replacement: $509 (0.73% of income)
  • Typical cost of alternator replacement: $903 (1.29% of income)
  • Typical cost of transmission replacement: $8,143 (11.62% of income)
  • Typical cost of repairs due to road quality: $746 (1.06% of income)

#4: Cleveland, Ohio

Cleveland drivers need to watch out for potholes and other road conditions. The average repair due to road quality averages $877 and takes up one of the highest percentages of income out of all the cities we looked at. Transmission and alternator replacements come in sixth and seventh place. But the good news is that the cost of a brake hose replacement doesn't even break the top ten.

Cleveland by the numbers

  • Median household income: $76,118
  • Typical cost of brake hose replacement: $537 (0.71% of income)
  • Typical cost of alternator replacement: $932 (1.22% of income)
  • Typical cost of transmission replacement: $8,365 (10.99% of income)
  • Typical cost of repairs due to road quality: $877 (1.17% of income)

#5: Houston, Texas

Houston has the highest median household income in our top ten, but car repair costs can quickly eat away at those extra earnings. Brake hose replacement is one of the most expensive in the country at $659. Transmission and alternator replacements also rank in the top five when compared to income. Road quality, however, must be a priority in Houston, because those costs came in 19th.

Houston by the numbers

  • Median household income: $84,610
  • Typical cost of brake hose replacement: $659 (0.79% of income)
  • Typical cost of alternator replacement: $1,060 (1.25% of income)
  • Typical cost of transmission replacement: $9,335 (11.03% of income)
  • Typical cost of repairs due to road quality: $610 (0.72%)

#6: Detroit, Michigan

In Detroit drivers are more prone to expensive repairs due to road quality than most other cities, with costs averaging $732. Transmission replacements also take a big bite out of budgets, accounting for more than 10% of the median household income.

Detroit by the numbers

  • Median household income: $79,294
  • Typical cost of brake hose replacement: $569 (0.72% of income)
  • Typical cost of alternator replacement: $966 (1.22% of income)
  • Typical cost of transmission replacement: $8,620 (10.87% of income)
  • Typical cost of repairs due to road quality: $732 (0.92% of income)

#7: Louisville, Kentucky (tied)

Louisville's seventh place finish is largely due to the cost of a transmission replacement taking up nearly 11% of the median household income. Road quality repair costs were also high, ranking 11th out of all the cities we analyzed. Alternator and brake hose replacement costs were a bit more modest, ranking 13th place each

Louisville by the numbers

  • Median household income: $77,221
  • Typical cost of brake hose replacement: $539 (0.70% of income)
  • Typical cost of alternator replacement: $934 (1.21% of income)
  • Typical cost of transmission replacement: $8,381 (10.85% of income)
  • Typical cost of repairs due to road quality: $628 (0.81% of income)

#7: Milwaukee, Wisconsin (tied)

Frequent collisions aren't much of an issue in Milwaukee drivers may feel the biggest sticker shock when they hit a bump in the road; repairs based on quality of the streets are actually the most expensive relative to the median household income. Brake hose, alternator, and transmission replacement costs all ranked in the mid-teens.

Milwaukee by the numbers

  • Median household income: $80,485
  • Typical cost of brake hose replacement: $557 (0.69% of income)
  • Typical cost of alternator replacement: $953 (1.18% of income)
  • Typical cost of transmission replacement: $8,524 (10.59% of income)
  • Typical cost of repairs due to road quality: $944 (1.73% of income)

#9: Buffalo, New York

Buffalo makes it onto our list thanks to high transmission and alternator costs, which each account for 11.26% and 1.26% of median household income. Both of these repairs are the fourth most expensive relative to income out of all 50 cities we reviewed. Road quality, however, seems to be important in Buffalo with the average related repair costing under $400.

Buffalo by the numbers

  • Median household income: $74,285
  • Typical cost of brake hose replacement: $537 (0.73% of income)
  • Typical cost of alternator replacement: $932 (1.26% of income)
  • Typical cost of transmission replacement: $8,365 (11.26% of income)
  • Typical cost of repairs due to road quality: $382 (0.51% of income)

#10: San Antonio, Texas

Road quality repairs are the worst-ranking expense for San Antonio, despite having one of the higher median household incomes on our list. Brake, alternator, and transmission replacement costs are a little more reasonable, ranking 14th, 16th, and 15th, respectively.

San Antonio by the numbers

  • Median household income: $82,831
  • Typical cost of brake hose replacement: $569 (0.69% of income)
  • Typical cost of alternator replacement: $966 (1.18% of income)
  • Typical cost of transmission replacement: $8,620 (10.50% of income)
  • Typical cost of repairs due to road quality: $710 (0.86% of income)

10 Cities with the Cheapest Car Repairs

Here are ten cities where car repairs are much more affordable compared to income. 

  1. Boston, Massachusetts
  2. Washington, DC 
  3. San Jose, California
  4. Salt Lake City, Utah
  5. Portland, Oregon
  6. Seattle, Washington
  7. Raleigh, North Carolina
  8. San Diego, California
  9. San Francisco, California
  10. Denver, Colorado

Methodology

The Zebra used five data points to analyze the top 50 MSAs by population related to car repair costs and income. Zip code data was substituted based on availability.