What will a car lease really cost you each month?

We read 1,316 offers from 11 public sources today, and we read them again every morning. We are not a dealer, and no one pays to be on this list.

Answer four short questions. We add tax, miles, insurance and gas to every deal, then show you the cheapest.

Step 1 of 4

Skip, show me all deals

What kind of car do you want?

The 3 cheapest at 12,000 miles a year, across 1,010 live deals

947 deals name a state, across 40 states (364 in California). 63 name no single state (a nationwide offer, or a source that does not say). Pick your state to see how many list it.

1 cheaper deal we could not check: $616. See it: 2025 Chevrolet Equinox EV LT

2026 Toyota Corolla, a photo of this model, not the listed car — Photo of this model from another year, not this exact car. Credit: HJUdall, CC0

Someone’s lease to take over, 31 months left

You take over another driver’s lease for the months left.

2026 Toyota Corolla LE

$562 a month

Everything included: payment, tax, miles, insurance, gas.

The ad says $227 a month. The seller pays you $2,500 to take it over, about $81 a month. With everything added, the real cost is $562 a month.

See this deal: 2026 Toyota Corolla

Why this price?

The ad says$227

Cash the seller pays you, each month- $81
Tax and fees, each month+ $30
Miles: you drive 12,000 a year, the lease covers 8,946+ $64
Insurance, our estimate+ $200
Gas, our estimate+ $122

All in, each month$562

LeaseTrader, read Oct 30. Insurance and gas are estimates, not quotes.

2027 Toyota Corolla, a photo of this model, not the listed car — Photo of this model from another year, not this exact car. Credit: HJUdall, CC0

New lease, 36 months

2027 Toyota Corolla LE CVT

$591 a month

Everything included: payment, tax, miles, insurance, gas.

The ad says $189 a month. With everything added, it is $591 a month.

See this deal: 2027 Toyota Corolla

Why this price?

The ad says$189

Tax and fees, each month+ $61
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate+ $200
Gas, our estimate+ $122

All in, each month$591

Leasehackr pre-negotiated board, read Oct 30. Insurance and gas are estimates, not quotes.

2025 Ford Mustang Mach-E, a photo of this model, not the listed car — Photo of this model from another year, not this exact car. Credit: Mariordo (Mario Roberto Durán Ortiz), CC BY-SA 4.0

Someone’s lease to take over, 20 months left

You take over another driver’s lease for the months left.

2025 Ford Mustang Mach-E Select

$622 a month

Everything included: payment, tax, miles, insurance, charging.

The ad says $319 a month. With everything added, it is $622 a month.

See this deal: 2025 Ford Mustang Mach-E

Why this price?

The ad says$319

Tax and fees, each month+ $44
Miles: you drive 12,000 a year, the lease covers 14,646+ $0
Insurance, our estimate+ $200
Charging at home, our estimate+ $59

All in, each month$622

LeaseTrader, read Oct 30. Insurance and charging are estimates, not quotes.

See every deal

See every deal, cheapest first 1,010 live deals, the full list, your miles and state, and how each price adds up

Price every deal at your miles

How many miles do you drive a year?

These buttons need JavaScript. Without it, every number here is priced at 12,000 miles a year at U.S. averages. The shortcut pages and every deal page work without it.

Where do you live?

Charging: home

Cheapest now (a take-over): $562 a month with everything added, 2026 Toyota Corolla LE. See it

What these numbers assume: U.S. averages

How do you charge an electric car?

HomeMixMostly public (type your price)

Gas, regular: $4.27 a gallon EIA U.S. average, week of 2026-10-26 (read 2026-10-30)Use my priceonly on this page
Gas, premium: $5.28 a gallon EIA U.S. average, week of 2026-10-26 (read 2026-10-30)Use my priceonly on this page
Electricity at home: $0.182 a kWh EIA U.S. residential average, August 2026 (read 2026-10-30)Use my priceonly on this page
Public fast charging: UNKNOWN UNKNOWN: no current US public fast charging price per kWh opened (DOE AFDC Alternative Fuel Price Report, July 2026, read 2026-10-30, holds none). Type your own price.Use my priceonly on this page
Lease tax, where the source stated no rate: taxed on each payment, 6% (estimate) national default: the median of the 33 states whose lease tax rate we sourced (6%), estimate
Insurance: national estimate, per model national estimate: NAIC state average premiums refused our request (403) on 2026-10-30, so there is no state factorUse my premium a monthonly on this page

Prices and the premium you type stay in this page. Nothing is sent or stored.

Now covering 37 brands with live rows.

Acura Audi Bentley BMW Buick Cadillac Chevrolet Dodge Ford Genesis GMC Honda Hyundai INFINITI Jeep Kia Lamborghini Land Rover Lexus Lincoln Lucid Maserati Mazda McLaren Mercedes-Benz MINI Mitsubishi Nissan Porsche RAM Rivian Subaru Tesla Toyota VinFast Volkswagen Volvo

How the cheapest new lease adds up: $591

Advertised payment$189/mo

Payment after tax and fees$250

+Miles up to 12,000 a year (estimate)$19

+Insurance (estimate)$200

+Fuel (estimate)$122

All-in a month$591/mo

2027 Toyota Corolla LE CVT, at 12,000 miles a year. Source: Leasehackr pre-negotiated board, read Oct 30 2026. See the math

Priced at U.S. averages: fuel EIA U.S. average, week of 2026-10-26 (read 2026-10-30); electricity EIA U.S. residential average, August 2026 (read 2026-10-30); tax national default: the median of the 33 states whose lease tax rate we sourced (6%), estimate. Pick your state to re-price.

We read 1,316 lease offers from 11 sources and priced 1,010 live deals: 4,040 sums you did not have to do (payment and tax, mileage cost, insurance and fuel for each deal). 306 not ranked (reasons on Data status).

Every deal, cheapest first

More filters

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Every price uses your miles. A lease comes with a miles limit; if you drive more, the extra miles cost money and we add that.
Tax: our estimate (the chip “+tax est.”) means the ad did not say the tax, so we used the U.S. average until you pick your state.
Transfer fee: our estimate means the ad did not say the transfer fee, so we added a typical $500, shared over the months.

Live car leases ranked by all-in monthly cost at 12,000 miles a year
Car	Each month	Ad says	Months	Miles limit	Real payment	Trust
2026 Toyota Corolla LE Fresh MeadowsNew Yorktake-overLeaseTradergas$500 transfer fee, our estimate Lease take-over. Fee and tax estimated. Details Fresh MeadowsNew Yorktake-overLeaseTradergas$500 transfer fee, our estimate	$562 everything in	$227 +tax est.	31 months	8,946 mi/yr	$176 real payment	one source
2027 Toyota Corolla LE CVT California - San Diegonew leaseLeasehackr pre-negotiated boardgas New lease. Details California - San Diegonew leaseLeasehackr pre-negotiated boardgas	$591 everything in	$189 +tax	36 months	10,000 mi/yr	$250 real payment	seller-stated
2025 Chevrolet Equinox EV LT HobokenNew Jerseytake-overLeaseTraderelectric$500 transfer fee, our estimateranked on the worse number Lease take-over. Fee and tax estimated. Unverified. Details HobokenNew Jerseytake-overLeaseTraderelectric$500 transfer fee, our estimateranked on the worse number	$616 everything in	$301 +tax est.	21 months	14,454 mi/yr	$342 real payment	Unverified
2025 Ford Mustang Mach-E Select LafayetteCaliforniatake-overLeaseTraderelectric$500 transfer fee, our estimate Lease take-over. Fee and tax estimated. Details LafayetteCaliforniatake-overLeaseTraderelectric$500 transfer fee, our estimate	$622 everything in	$319 +tax est.	20 months	14,646 mi/yr	$363 real payment	one source
2025 Cadillac LYRIQ Luxury MeadvillePennsylvaniatake-overLeaseTraderelectric$500 transfer fee, our estimate Lease take-over. Fee and tax estimated. Details MeadvillePennsylvaniatake-overLeaseTraderelectric$500 transfer fee, our estimate	$623 everything in	$1,032 +tax est.	13 months	25,477 mi/yr	$333 real payment	one source
2025 Chevrolet Equinox EV 2LT MiamiFloridatake-overLeaseTraderelectric$500 transfer fee, our estimate Lease take-over. Fee and tax estimated. Details MiamiFloridatake-overLeaseTraderelectric$500 transfer fee, our estimate	$643 everything in	$400 +tax est.	31 months	12,476 mi/yr	$369 real payment	one source
2026 MINI Cooper S Hardtop 4 Door BrooklynNew Yorktake-overLeaseTradergas$500 transfer fee, our estimate Lease take-over. Fee and tax estimated. Details BrooklynNew Yorktake-overLeaseTradergas$500 transfer fee, our estimate	$645 everything in	$471 +tax est.	29 months	12,857 mi/yr	$267 real payment	one source
2024 GMC Sierra EV Denali PlattsburghNew Yorktake-overLeaseTraderelectric$500 transfer fee, our estimate Lease take-over. Fee and tax estimated. Details PlattsburghNew Yorktake-overLeaseTraderelectric$500 transfer fee, our estimate	$645 everything in	$726 +tax est.	15 months	11,081 mi/yr	$336 real payment	one source
2026 Hyundai Elantra Hybrid Blue Sedan Northern Californianew leaseLeasehackr pre-negotiated boardhybrid New lease. Details Northern Californianew leaseLeasehackr pre-negotiated boardhybrid	$650 everything in	$273 +tax	36 months	7,500 mi/yr	$330 real payment	seller-stated
2026 Toyota Camry SE (Hybrid) - Sunroof California - San Diegonew leaseLeasehackr pre-negotiated boardhybrid New lease. Details California - San Diegonew leaseLeasehackr pre-negotiated boardhybrid	$652 everything in	$279 +tax	36 months	10,000 mi/yr	$351 real payment	seller-stated
2026 Toyota Corolla LE new leaseToyota offers pagegas New lease. Tax estimated. Details new leaseToyota offers pagegas	$663 everything in	$199 +tax est.	36 months	10,000 mi/yr	$322 real payment	one source
2026 Hyundai Elantra SEL Sport Plus Sedan New Hampshirenew leaseLeasehackr pre-negotiated boardgas New lease. Details New Hampshirenew leaseLeasehackr pre-negotiated boardgas	$665 everything in	$282 +tax	36 months	10,000 mi/yr	$320 real payment	seller-stated
2026 Hyundai Elantra SE Sedan Floridanew leaseLeasehackr pre-negotiated boardgas New lease. Details Floridanew leaseLeasehackr pre-negotiated boardgas	$667 everything in	$238 +tax	36 months	10,000 mi/yr	$322 real payment	seller-stated
2026 Nissan Sentra SV Sedan California - Los Angelesnew leaseLeasehackr pre-negotiated boardgas New lease. Details California - Los Angelesnew leaseLeasehackr pre-negotiated boardgas	$674 everything in	$229 +tax	36 months	10,000 mi/yr	$321 real payment	seller-stated
2026 Kia Niro EX FWD Northern Californianew leaseLeasehackr pre-negotiated boardhybrid New lease. Details Northern Californianew leaseLeasehackr pre-negotiated boardhybrid	$677 everything in	$299 +tax	36 months	10,000 mi/yr	$371 real payment	seller-stated
2025 BMW iX xDrive50 EscondidoCaliforniatake-overLeaseTraderelectric$500 transfer fee, our estimate Lease take-over. Fee and tax estimated. Details EscondidoCaliforniatake-overLeaseTraderelectric$500 transfer fee, our estimate	$679 everything in	$850 +tax est.	13 months	7,030 mi/yr	$247 real payment	one source
2026 Kia K4 LXS Sedan Floridanew leaseLeasehackr pre-negotiated boardgas New lease. Details Floridanew leaseLeasehackr pre-negotiated boardgas	$683 everything in	$219 +tax	36 months	10,000 mi/yr	$336 real payment	seller-stated
2026 Kia Niro EV Wind Northern Californianew leaseLeasehackr pre-negotiated boardelectric New lease. Details Northern Californianew leaseLeasehackr pre-negotiated boardelectric	$684 everything in	$315 +tax	36 months	10,000 mi/yr	$412 real payment	seller-stated
2027 Hyundai Kona SE FWD California - Los Angelesnew leaseLeasehackr pre-negotiated boardgas New lease. Details California - Los Angelesnew leaseLeasehackr pre-negotiated boardgas	$688 everything in	$175 +tax	24 months	7,500 mi/yr	$293 real payment	seller-stated
2026 Mazda Mazda3 Sedan 2.5 S FWD California - Los Angelesnew leaseLeasehackr pre-negotiated boardgas New lease. Details California - Los Angelesnew leaseLeasehackr pre-negotiated boardgas	$690 everything in	$219 +tax	36 months	7,500 mi/yr	$314 real payment	seller-stated

Showing the 20 cheapest of 1,010 live deals at 12,000 miles a year. Turn on JavaScript to see the rest and to re-price at your own miles. All rows as JSON.

How it works

1,010 live deals from 10 sources. The Real Lease Cost Index today: $1,156 a month, the median all-in at 12,000 miles. How we score. Where the deals come from.

Words on this page, in plain terms

All-in: What the car costs you each month once payment, tax, fees, the miles you drive, insurance and fuel are all counted. The ranking column.
Effective monthly: The payment after tax, with the cash due at signing spread across the term. The first payment is not counted twice.
Take-over: You take over someone else's lease for the months left on it. The payment is fixed by their contract.
New lease: A lease you sign yourself, here from a dealer's or broker's posted offer.
Due at signing: Cash you pay on day one: usually fees plus the first payment. We spread it across the term.
Mileage tier: Leases cap your miles a year. If you drive more, you buy a higher tier up front or pay per mile at the end. We price that gap.
Money factor: The lease's interest rate, written as a small decimal. Multiply by 2,400 for the yearly percentage.
Residual: What the lessor says the car is worth at the end. A higher residual means a lower payment.
MSRP: The manufacturer's sticker price. We show the payment as a share of it so you can compare cars of different prices.

How to read the list

Each month, everything included: The real payment, plus the extra miles you drive, plus our insurance estimate and our gas or charging estimate at the U.S. average, or your state's price once you pick one. The list is sorted by this number.
Monthly: The payment the ad states. "+tax" means we add the tax. "+tax est." means the ad did not say the tax, so we used the U.S. average.
Real payment: The ad's payment, plus tax, plus the cash due at signing spread over the months, minus any cash the seller gives you.
Trust: The numbers come from the seller. We did not see the contract. "One source" means nothing else confirms it.
Unverified: One number did not check out: two reads disagree, a field fails a check, or the ad names something the maker never sold. We show it, mark it, and count the worse case.

Where the deals come from

Sources and what each returned
Source	Rows	What it covers
Leasehackr pre-negotiated board	366	369 deals across 7 regions, merged and deduped, read 2026-10-30
LeaseTrader (all US states)	574	824 listings read from 51 state reads, 44 states with listings, 655 Available, 110 Pending Review, 59 Transferring dropped, read 2026-10-30
Craigslist	5	14 listings across 10 California metros, read 2026-10-30, take-over listings read Oct 30 2026; a takedown request removes these rows the same day
Leasehackr private transfers	3	4 threads read in full, 1 unconfirmed seller not ranked, read 2026-10-28
Mercedes-Benz USA offers page	4	national lease offers from the maker's own page, read 2026-10-30
MarketCheck OEM incentives	UNKNOWN	UNKNOWN, source file missing
Chevrolet offers page	15	15 rows from Chevrolet offers page, read 2026-10-30, 1 row skipped: year outside 2024 to 2028
Genesis offers page	14	14 rows from Genesis offers page, read 2026-10-30, 1 row skipped: year outside 2024 to 2028
Leasehackr private transfers	19	19 rows from Leasehackr private transfers, read 2026-10-30, 1 row skipped: year outside 2024 to 2028
Lexus offers page	16	16 rows from Lexus offers page, read 2026-10-30, 1 row skipped: year outside 2024 to 2028
SwapALease	8	8 rows from SwapALease, read 2026-10-30, 1 row skipped: year outside 2024 to 2028
Toyota offers page	12	12 rows from Toyota offers page, read 2026-10-30, 1 row skipped: year outside 2024 to 2028
Read by hand	UNKNOWN	UNKNOWN, source file missing
cars.com lease pages	UNKNOWN	UNKNOWN, blocked by IP reputation on 2026-10-28. Not a zero
edmunds.com lease pages	UNKNOWN	UNKNOWN, 403 refuses this host by IP. Not a zero
swapalease.com	UNKNOWN	UNKNOWN, blocked (403). A reader proxy would be a bypass, so it is not used
cargurus lease pages	UNKNOWN	UNKNOWN, path not yet found. Not a zero

A source that returned nothing is reported as UNKNOWN, never as zero. Payments and miles are seller-stated or board-stated, and every row says which. How each source is read.

What this site will not do

Nobody can buy a place in this table. Partner links, when there are any, sit outside it, say "Paid link", and never change a score.
Every figure names its source and the date it was read.
A take-over whose transfer has already started is dropped.
A deal we cannot check is marked Unverified, shown with its own figure, and counted at the worse number. Where two reads of the same payment disagree, both are shown.
Insurance and gas are estimates, not quotes. Yours depend on where you live and how you drive.

What will a car lease really cost you each month?

What kind of car do you want?

The 3 cheapest at 12,000 miles a year, across 1,010 live deals

2026 Toyota Corolla LE

2027 Toyota Corolla LE CVT

2025 Ford Mustang Mach-E Select

Price every deal at your miles

How the cheapest new lease adds up: $591

Every deal, cheapest first

How it works

What this site will not do

Get the lowest all-in leases each week