---
id: faq-0023
title: "What's included in my monthly car payment?"
category: faq
subtopic: financing
page_type: faq
source_url: "https://www.castlesubarumchenry.com"
tags: ["financing", "payment", "costs"]
questions:
  - "What does my car payment cover?"
  - "Is insurance included in my payment?"
  - "Are taxes and fees in the monthly payment?"
related: [financing-options, apr]
dealer: Castle Subaru McHenry
---

Your monthly car payment typically covers **principal and interest** on your loan only. Here's what's usually separate:

**Included in payment:**
- Principal (amount borrowed)
- Interest (lender's cost for the loan)

**Separate costs (not in payment):**
- Auto insurance (you arrange this directly; required by law)
- Gasoline
- Maintenance and repairs (though new Subarus include warranty coverage)
- Registration and taxes (often paid upfront at signing)

**At signing**, you'll pay sales tax, registration, documentation fees, and title fees-amounts vary by state and vehicle. Our Finance team explains every line item so you know exactly what you're paying and why.

If you lease, some costs (maintenance, warranty) are included, but insurance and fuel are separate. **Call (779) 601-0797** to discuss your total cost of ownership-monthly payment, insurance estimates, fuel costs, and maintenance-so you can budget confidently!