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What typical budget does a first-time car buyer in Middlesbrough need for a decent used car?
TL;DR: As a first-time buyer in Middlesbrough, a realistic budget for a decent, reliable used car is usually somewhere between £3,000 and £8,000. Many new drivers end up in the £4,000–£6,000 bracket for a good small hatchback, but you'll also need money aside for insurance, tax, fuel and maintenance.
Key points
- First cars are often small hatchbacks (Corsa, Fiesta, Clio, etc.) with lower insurance groups.
- A common cash budget for a first used car is around £4,000–£6,000, though cheaper and more expensive options exist.
- Insurance for new drivers can be high, so always factor that cost in before you choose a car.
- Set aside money for running costs: MOT, servicing, tyres, repairs, tax and fuel.
- Deal Drive Motors can help match your budget to suitable cars, and explain finance options if you prefer to spread the cost.
Short explainer
For most first-time buyers in Middlesbrough, the priority is a safe, reliable and affordable used car rather than the newest or fastest model on the forecourt. That's why many people start with a small hatchback, which is usually cheaper to insure, tax and run.
In current market conditions, a typical budget might look like this:
- £3,000–£4,000: Older but tidy small cars with higher mileage, ideal if you just need a basic runabout.
- £4,000–£6,000: A common sweet spot for a first car — reasonable age and mileage, with better spec and history.
- £6,000–£8,000: Newer or lower-mileage options, or slightly larger cars, if your budget and insurance allow.
Remember that the total cost of owning a car is more than just the windscreen price. You'll also need to budget for:
- Insurance (especially expensive for brand-new drivers).
- Annual MOT and servicing.
- Repairs, tyres and general wear and tear.
- Road tax and fuel.
If you're unsure where to start, Deal Drive Motors can talk through what you can reasonably expect for your budget, and show you cars that balance price, reliability and insurance costs.
Tip: Decide your monthly running-cost limit as well as your purchase budget. That helps avoid buying a car that's cheap to buy but expensive to keep on the road.
How we know
Figures are indicative and will vary based on the car model, age, mileage and your personal circumstances.
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