Repair Cost vs Car Value

A repair quote by itself is meaningless. The right decision appears when you compare quote size against current value, mileage, and expected future repairs.

Simple Ratio Rule

Repair-to-value ratio = Repair quote / Current market value. As this ratio rises, the probability that repairing is suboptimal also rises.

Interpretation Bands

• Below 20%: Usually manageable if no repeated major faults.
• 20% to 40%: Borderline zone; depends on reliability trajectory and your timeline.
• Above 40%: High caution; compare selling outcomes before approving.

Do Not Skip These Inputs

• Mileage and vehicle age.
• Known recurring component failures for your platform.
• Switching friction (tax, title, registration, financing spread).