For many people especially Ghanaians, the decision to buy a car or stick with public transport is a major financial and lifestyle choice.
While owning a car offers convenience and comfort, using trotros, taxis, and ride-hailing services can be far more affordable.
But which option is truly better? Letâs break down the real costs and benefits of each.
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1. The Cost of Owning a Car in Ghana
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Initial Purchase Price
Buying a car in Ghana is expensive. A decent used car can cost anywhere from GHâ”80,000 to GHâ”300,000, depending on the model and condition. If you opt for a brand-new car, expect to pay even more.
Fuel Costs
With rising fuel prices, maintaining a car is becoming more expensive. As of 2025, petrol prices fluctuate between GHâ”13 and GHâ”15 per litre. A regular sedan consuming 8 litres per 100km could cost you around GHâ”1,300 - GHâ”2,000 per month, depending on usage.
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Maintenance and Repairs
Regular servicing (oil changes, tyre replacements, brake fixes) can cost around GHâ”3,000 - GHâ”5,000 per year, and unexpected repairs can push that figure higher.
Insurance and Road Worthiness
Car insurance in Ghana ranges from GHâ”1,500 - GHâ”5,000 annually, depending on the coverage. Roadworthiness certification and licensing also add to the yearly costs.
Parking and Tolls
If you live or work in Accra, parking fees can cost GHâ”5 to GHâ”20 per day, adding up to about GHâ”1,000+ annually. If you frequently use toll roads, expect additional charges.
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Depreciation
Unlike land, cars lose value over time. A car you buy for GHâ”100,000 today may be worth only GHâ”60,000 in three years. Thatâs money lost without even considering maintenance costs.
Total Estimated Yearly Cost of Owning a Car: GHâ”20,000 - GHâ”35,000+ (excluding purchase price).
2. The Cost of Using Public Transport
Trotro Fares
Trotro fares in Accra range from GHâ”3 to GHâ”15 per trip, depending on distance. If your daily round-trip commute costs GHâ”20, youâll spend about GHâ”500 - GHâ”700 per month.
Taxis and Ride-Hailing Services
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Occasionally using a Bolt, Uber, or Yango can cost between GHâ”30 - GHâ”100 per ride. Frequent users may spend GHâ”1,500 - GHâ”2,500 per month, which can be close to maintaining a car.
Hidden Costs of Public Transport
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Unreliability: Trotros donât follow strict schedules.
Overcrowding: Standing in a packed minibus during rush hour isnât fun.
Comfort and Safety: Unlike private cars, youâre at the mercy of reckless drivers and poor road conditions.
Total Estimated Yearly Cost of Public Transport: GHâ”6,000 - GHâ”12,000 (with occasional taxis and ride-hailing), unless you live in Kasoa.
Trotro diaries
3. Convenience vs. Cost â Which One Wins?
Factor | Owning a Car | Public Transport |
Cost | Average (GHâ”20,000+ per year) | Average (GHâ”9,000+ per year) |
Convenience | High (anytime travel) | Low (waiting, delays) |
Comfort | High (A/C, personal space) | Low (crowds, discomfort) |
Maintenance Hassle | High (servicing, breakdowns) | None (just pay & ride) |
Flexibility | High (go anywhere) | Low (fixed routes) |
4. So, Should You Buy a Car?
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When Buying a Car Makes Sense:
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You have a stable income that can cover all expenses without financial strain.
You frequently travel long distances where public transport is inefficient.
Your job or lifestyle requires a flexible schedule and mobility.
You prefer comfort and convenience over saving money.
When Sticking with Public Transport is Smarter:
You donât want to spend thousands on car maintenance, fuel, and insurance.
You live and work in a well-connected area where trotros and taxis are readily available.
You donât mind occasional inconveniences like waiting for transport.
You want to save money for bigger goals like buying land or investing.
Final Verdict
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If you prioritise financial savings and donât mind the hustle of public transport, sticking with trotros and taxis is the smarter choice. However, if you value comfort, flexibility, and can afford the extra cost, owning a car is a worthy investment.
Before deciding, consider your income, expenses, and lifestyle. After all, the goal is not just to afford a carâbut to afford the life you want while driving it.