Nissan Navara Cost of Ownership
See the true 5-year cost of owning a Nissan Navara 2.5 DDTi LE AT (4×4) in South Africa — depreciation, fuel, insurance, maintenance, tyres and licensing — at the indicative SA new price of R745. The calculator below is pre-filled with this car's specifics — change any input to model your own deal.
5y total
R 732 990
at 20k km/yr
Per month
R 12 217
average over 5y
Per km
R 7.33/km
all-in cost
Resale at y5
R 387 400
≈ 52% retained
Indicative SA new price. Move the slider for the price you actually paid.
20,000 km is the SA average. Long-distance commuters and reps push 35,000+.
5 years is the SA mid-point — also the typical loan term.
5-year total cost · Nissan Navara
R 732 990
R 12 217/month average · R 7.33/km · 100 000 km total
Depreciation
R 357 600
49% of TCO
Fuel
R 217 430
over 100 000 km
Insurance
R 108 000
R 1 800/mo midpoint
Resale
R 387 400
at end of year 5
Where the money goes
- DepreciationR 357 600
- FuelR 217 430
- InsuranceR 108 000
- MaintenanceR 20 400
- TyresR 22 000
- LicensingR 7 560
Annual cost over 5 years
Year 1 is heaviest because depreciation is steepest in the first 12 months. Years 4–5 rise again as service-plan cover ends.
Per-year breakdown
| Year | Depreciation | Fuel | Total |
|---|---|---|---|
| Year 1 | R 134 100 | R 43 486 | R 206 898 |
| Year 2 | R 67 050 | R 43 486 | R 139 848 |
| Year 3 | R 59 600 | R 43 486 | R 132 398 |
| Year 4 | R 52 150 | R 43 486 | R 130 648 |
| Year 5 | R 44 700 | R 43 486 | R 123 198 |
| Total | R 357 600 | R 217 430 | R 732 990 |
Insurance is a midpoint estimate for a 35-year-old suburban Joburg driver, comprehensive cover, 5% excess. Real spread is ±35% off this number. Maintenance assumes a typical SA service plan (3 years for mass-market, 5 years for premium / EV) before stepping up to post-plan costs. Tyres are annualised over the set's useful life. Licensing uses the Gauteng tariff — Western Cape, KZN and Eastern Cape are within ±15%.
About this car's running cost profile
Nissan Navara 2.5 DDTi LE AT (4×4) sits in the bakkie / pickup bracket on this calculator. That category drives the insurance midpoint (R1 800/month), tyre cost (R4 400/year average) and the depreciation curve. WLTP combined cycle.
At a steady 20,000 km/year, your fuel bill works out to about R 43 486/year (R 217 430 over 5 years) at current SA prices. Push that to 30,000 km/year and the energy cost rises 50%, but cost-per-km falls because depreciation, insurance and licensing get spread over more kilometres.
The single biggest cost is depreciation — R 357 600over 5 years on the calculator's category curve, or roughly 49% of total ownership cost. The car is worth approximately R 387 400 ( 52% retained) at the end of year 5.
Nissan Navara ownership cost — frequently asked questions
What is the 5-year cost of owning a Nissan Navara in South Africa?
At an indicative SA new price of R745 and 20,000 km/year of typical mixed driving, the all-in 5-year cost works out to roughly R 732 990 — R 12 217 per month on average, or R 7.33/km. That includes depreciation (the biggest single cost at R 357 600 or 49% of the total), fuel (R 217 430), insurance (R 108 000), maintenance, tyres and licensing. Use the calculator above to model your own price, mileage, and finance terms.
How much does the Nissan Navara depreciate over 5 years?
On the calculator's category-specific curve, the Nissan Navara retains roughly 52% of its original value at the end of year 5 — that's a residual of about R 387 400 on an indicative R745 new price. Bakkies are the SA resale champions — Hilux, Ranger and D-Max routinely hold 50–55% at year 5.
Is the Nissan Navara cheap to insure in South Africa?
For a bakkie / pickup priced around R745, expect comprehensive insurance midpoint of about R1 800/month for a 35-year-old suburban driver. Real quotes vary ±35% off this depending on age (younger = higher), postcode (high-theft areas = higher), claim history, tracker installation, and chosen excess. Get an actual quote from Naked, Discovery Insure or your broker before relying on the calculator's number.
What about maintenance after the service plan ends?
The Nissan Navara's service plan typically runs 3 years from new — services, oil and filters covered. After that you pay out of pocket. The calculator estimates post-plan annual maintenance at around R7 500 for the Nissan Navara's category, including major-service intervals plus normal wear (battery, shocks, fluids). Independent SA workshops can knock 20–35% off franchised dealer prices on out-of-plan servicing.
Should I finance the Nissan Navara or pay cash?
From a pure cost-minimising perspective, paying cash beats financing — you avoid R120 690+ of interest on a typical 60-month loan at 12.25%. From a cash-flow perspective, financing keeps the upfront cost manageable (10% deposit instead of 100%) and lets your cash earn interest elsewhere. The TCO model lets you toggle finance on or off so you can see the true rand difference. If your alternative use of the cash is a money-market account at 8% per year, financing usually loses; if you'd be sinking the cash into a long-term investment expected to earn 12%+, financing can break even or win.
Sources: Fuel consumption (8.5 L/100km) is the manufacturer-published WLTP combined-cycle figure from Nissan SA. Indicative new price (R745) sourced from cars.co.za, autotrader.co.za and the manufacturer's SA price list, May 2026 — your dealer quote will vary ±5–8%. Depreciation curves modelled from TransUnion SA Auto Pricing Index residual patterns. Insurance midpoints from indicative quotes (35yo suburban driver, comprehensive, 5% excess). Maintenance from AA SA service cost guidance and RMI post-plan benchmarks. Tyre prices from SA fitment-centre listings May 2026. Licensing from RTMC Gauteng schedule. Calculator is a planning estimator with target accuracy ±10–15%. Not financial advice.