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More than half of customers say they couldn’t afford $500 repair

Survey of 1,000 U.S. drivers ages 25-65 tracks how they approach vehicle repair, costs and trust in service providers

Palm Beach Gardens, Fla.—A recent September survey of 1,000 U.S. drivers ages 25-65 tracks how they approach vehicle repair, costs and trust in service providers. Among the findings, the report states that 66% of would not be able to afford an unexpected car repair.

The following are additional key takeaways from the Midas 2026 Consumer Pulse Survey.

1. Financial pressure

• 51% report moderate to extreme pressure from owning and maintaining a vehicle.

• 71% of Millennial drivers (ages 35-44) would struggle to pay an unexpected $500 repair.

Response breakdown for an unexpected $500 repair

• 21% do not know how they would handle it.

• 20% would use a credit card and pay over time.

• 14% would delay the repair as long as possible.

• 11% would borrow from family or friends.

2. Maintenance is being delayed

• 53% delayed or skipped recommended maintenance in the past year; half of those say it’s because they can’t afford it.

Services postponed when money is tight

• 33% — oil changes

• 32% — tires

• 31% — A/C repair

Less likely to be put off

• 19% – brakes

• 17% – fluid service

• 15% – engine repair

• 11% – battery

• 15% – wouldn’t postpone

3. Performing DIY repair

• 37% have attempted DIY repairs they’d normally take to a shop, rising to 46% among 25 – 34 year olds.

• 33% take immediate action when a warning light comes on by researching a self-fix on Google, YouTube or AI.

4. Trust drives service

Top factors in shop selection

• 51% – trust and reputation

• 47% – lowest price

• 45% – transparency before work begins

Most trusted mechanic source

• 43% – family or friend recommendation

• 26% – dealerships

• 20% – national chains

Maintenance priorities when money is tight

• 42% – clear upfront estimate

• 40% – trusted relationship with mechanic

• 37% – flexible payment options

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