Complete Guide To Car Subscriptions

From self-driving cars and electric vehicles to the decline of the traditional sedan, the auto industry is grappling with change on many fronts today, and the retail side is no exception. Upstarts such as Tesla and its direct-sales model are challenging the established dealer-franchise model, and now, consumers have a new alternative to buying or leasing a car.

Car subscription services are proliferating among automobile brands and third-party companies. It’s a novel idea: Pay a flat monthly fee for your car that typically covers insurance, routine maintenance and roadside assistance, and cancel when you’re done. There’s also the ability to swap for a different model or a newer version of the same model.

Subscription providers tout their services as simplifying the car-buying or -leasing process, with no haggling and much smaller down payments. The services also render a car’s depreciating value irrelevant, since it simply goes back to the subscription provider when you’re done.

Subscription services are targeted to millennials and other consumers who need a vehicle but aren’t necessarily interested in ownership; as solutions for people on temporary work relocations or others for whom a long-term lease makes no sense; or simply for enthusiasts who find the ability to drive multiple different models appealing. In some cases, companies tout the services as being less expensive than traditional leasing, once you factor in insurance, free oil changes and tire rotations and other things. But many of them, frankly, are expensive. It’s perhaps no coincidence that luxury brands were among the first to embrace the trend.

Here’s a rundown of what’s on offer and what may be coming soon.

Autoblog may receive a referral fee if you decide to use one of these services. Our editorial opinion remains our own.

Access by BMW

BMW launched its Access by BMW as a pilot program in the Nashville area in April 2018. It gives you access to luxury sedans such as the 330i, plug-in hybrids like the 530e iPerformance, crossovers like the X5 xDrive35i and performance cars such as the M5, with the ability to switch vehicles as often as you like, or to keep the one you have as long as you want.

There are now three membership plan tiers: Icon, at $1,099 a month; Legend, at $1,399; and BMW M, which costs $2,699 and offers access to the automaker’s top-of-the-line M performance models. There’s a $575 activation fee at first delivery, and you can move between plans at any time, with your monthly fee prorated accordingly. You can also pause your subscription at any time for a $200 fee.

Membership includes insurance ($1 million liability policy with a $1,000 deductible for drivers), maintenance, full-detail washes and roadside assistance, and there’s no limit on switching vehicles. You make your requests via a mobile app that asks you about your needs, and a concierge delivers a vehicle that suits those needs, freshly detailed, fully charged or filled up with fuel, to you at your desired time. You can cancel at any time, and BMW says it will end your subscription after the current month expires. Mileage is capped at 2,000 per month.

Autoblog’s verdict: It ain’t cheap, even by BMW standards. But if money isn’t an issue, the ability to switch in and out of Bavarian luxury vehicles is definitely a novelty.

Audi Select

Audi picked the Dallas-Fort Worth area to launch its subscription pilot, which it calls Audi Select. Five models are on offer: the A4, the A5 Cabriolet, the S5 Coupe and the Q5 and Q7 crossovers, all from the current or prior model year. For $1,395, you get two swaps per month, or a maximum 180 days in any single vehicle, plus unlimited mileage, insurance, maintenance, 24/7 roadside assistance, full car detailing with every swap and so on. Also included is two travel rental days per month from Silvercar, which offers 25 locations in 19 cities. At the time of this writing, the company was also offering the first month free for new members with a three-month commitment.

Audi Select membership is a 12-month commitment, but you can cancel at any time free of charge, so long as you give at least seven days’ notice before the end of a monthly billing cycle. Insurance is up to $300,000 liability, with a $2,000 medical payment in Texas and $1,000 deductibles for both comprehensive and collision.

Autoblog’s verdict: Pairing the service with Silvercar is definitely a nice perk if you travel regularly.

Book by Cadillac

Book by Cadillac was one of the first luxury-car subscription services when it launched in March 2017, but it’s currently on hiatus and is not accepting new members. Cadillac opted to “temporarily pause” its $1,800-a-month service effective Dec. 1, 2018, after it said the service proved more costly than expected.

Cadillac tells Autoblog it still intends to re-introduce the service sometime in 2019. It’s expected to lean more heavily on the luxury brand’s dealer network for things such as business operations, maintenance and repairs. Not a lot is known yet about how it will look, but Cadillac has said the service will relaunch as a pilot program in select cities, with less of a focus on customers being able to swap vehicles. The original program allows up to 18 vehicle swaps per year, but Cadillac said it saw fewer customers doing that than it expected.

Autoblog’s verdict: TBD


Unique among its competitors, Borrow offers short-term leases of electric vehicles for a flat monthly fee that incorporates maintenance, charging credits and 1,200 miles per month. There’s no down payment, but a reservation fee is applied to your first month. One thing not included? Insurance, though they say they can help you find coverage.

Subscription terms are flexible, with three-, six- or nine-month terms offered. At the end, you can simply end your plan, continue a new one or change plans, of which there are four offered. With City, you can choose a Fiat 500e or Nissan Leaf. Campus offers the Smart Fortwo electric drive. Premium gets you into a BMW i3 or Volkswagen e-Golf, while Platinum offers access to the Tesla Model S. Prices become more affordable the longer you commit. They start at $399 a month for a nine-month City plan, or $499 a month for three months, while getting into a Model S in the Platinum plan starts at $1,499 a month. For now, the service is limited to Los Angeles.

Autoblog’s verdict: Borrow’s prices seem reasonably in line with leasing when you factor in the lack of a big down payment, and the different membership term lengths hold appeal. But the lack of included insurance is a knock. Bonus points for the novelty of focusing exclusively on EVs, though that business model and the scarcity of EV charging infrastructure also probably limits where this plan can be offered geographically, if indeed Borrow catches on and expands.


San Francisco-based Canvas launched as a subsidiary of Ford in 2017 with a mission is to rethink car ownership to meet the needs of modern drivers. The service was offered in the Bay Area, Los Angeles and Dallas as a pilot program to sell subscriptions to Ford and Lincoln vehicles, and had amassed around 3,800 members in that time.

Ford announced in September 2019 it was selling Canvas to rival Fair, with no new customers being accepted and all existing customers given the option of converting to Fair members.

Care by Volvo

Volvo announced its subscription program at the 2017 L.A. Auto Show, tying it to the XC40, which launched the following spring. It’s since added the S60 sedan, V60 Cross Country wagon and the XC90 and XC60 sport utility vehicles. The vehicles are currently offered for monthly payments of $700, $750 or $800 per month for 24 months, depending on the model, or an extra $100 for R-Design versions. There’s also a $500 deposit to get started.

Subscriptions come with a 15,000-mile per-year cap, and you can switch to a newer vehicle after 12 months by renewing for another 24 months. You get 24/7 concierge service, maintenance, wear-and-tear replacements for things like wiper blades and brakes and insurance coverage through Liberty Mutual with $250,000 bodily injury protection per person and $500,000 bodily injury coverage per accident, with a $500 deductible for both comprehensive and collision coverage.

Autoblog’s verdict: Care by Volvo is one of the few subscription services that isn’t geographically limited, though the two-year commitment may put off some customers. While the monthly rate has increased somewhat since the program was originally announced starting at $600, it’s still a relative deal. Care by Volvo also offers the ability to purchase the Volvo after the subscription runs its course.


Detroit-based Carma, which is part of the Techstars Mobility business accelerator, offers a subscription platform directly for consumers, though it also offers consulting and in-car telematics services for companies that want to get in on the subscription game.

For consumers, it offers a wide array of vehicles and brands, plus the ability to swap vehicles once a month, with plans built around mileage driven. A 500-miles-per-month plan starts at $499, 800 miles starts at $549 and a 1,200-miles-per-month plan costs at least $599, with each extra mile costing 40 cents. As with other services, maintenance and insurance are built in, but there are no details about the latter. There’s also no down payment.

Founder and CEO Azarias Reda told TechCrunch in 2018 he envisions the service fitting somewhere between traditional car-rental services and car-sharing services such as Zipcar on the one hand, and the high-cost commitment of car ownership on the other. “Millennials are the biggest consumer of leases,” he said. “They’re already driving this notion of, ‘I want to access this vehicle but not necessarily own it.’ Subscriptions combine those desires.” It reportedly has pilot programs running in Chicago and Columbus, Ohio.

Autoblog’s verdict: Prices appear relatively reasonable, although the least expensive, lower-mileage plans will limit the pool of customers to those in cities or those who have very short commutes. Based on limited available information, Carma appears to offer a fairly wide array of vehicles.


Carpe is Jaguar Land Rover’s subscription program, open to drivers with good driving records and offering all-inclusive, 12-month plans that cover insurance throughout Europe, roadside assistance, unlimited mileage and a new vehicle every year. It’s currently offered only in the U.K., with insurance provided by Allianz (or you can use your own) and a vehicle excise tax included.

Pricing starts at 491.67 pounds per month (around $633 as of this writing) for a Land Rover Discovery Sport SUV and tops out at 941.67 pounds ($1,200) for a Range Rover Sport. (Yes, there are Jaguar models offered too, including the e-Pace and XF.) You also pay a 250-pound placement fee, plus value added tax.

Autoblog’s verdict: The pricing doesn’t sound too bad, especially at the lowest tier, where it’s comparable to Care by Volvo. And it’d be nice to be able to cruise anywhere in Europe. But, of course, it’s not available stateside. And with Jaguar Land Rover facing red ink as well as thorny issues over Brexit, well, we’ll just have to see what happens.

Drive Flow

Drive Flow, which bills itself as “like having a multicar garage at the push of a button,” is offered in the North Carolina cities of Raleigh and Winston-Salem. It offers full subscription plans — any car you want with the ability to flip between makes and models at any time — or a single-vehicle plan in which you subscribe to a single make and model. The latter is called Prospector. It runs $899 a month and includes access to either the BMW 3 Series, Volkswagen Atlas or Audi Q5, with a monthly limit of 1,000 miles. You can flip for free once a month, so long as it’s the same make and model. Or pay to upgrade to a multivehicle plan.

There are two multicar plans: Pioneer, which costs $1,099 a month (vehicles include the Audi S5, Volvo XC60, Acura MDX and Chevrolet Silverado), and Adventurer, which runs $1,599 (Jaguar XJ, Porsche Macan, Chevy Corvette and more). Mileage for these plans is capped at 1,200 miles. You’re free to move between plans any time, with a prorated monthly fee, and you can pause your subscription for $400.

Drive Flow follows the concierge model in which you can tell the app about your needs and Drive Flow will match them with what it considers the perfect vehicle. And the concierge coordinates drop-off with you. Insurance coverage includes $1 million in liability and $2,000 in medical payments, with a $1,000 deductible. There’s a $500, nonrefundable join fee and a minimum one-month commitment, though you can cancel at any time with 30 days’ written notice.

Autoblog’s verdict: Drive Flow’s two multicar plans offer a nice variety, though again, they’re on the pricey side. Being able to go month-to-month is also nice. Another plus: Unused miles can be rolled over for three months at a time, which is helpful if you need to do a decent amount of driving.


Touted as a “commitment-free” and paperless end-to-end solution, Fair uses a mobile app, through which customers get prequalified using your driver’s license and bank account. The company then runs analytics to determine your eligibility and the range of monthly payments you can afford. Then you shop for cars in your area, pick one and sign for it in the app. You pay a start payment that varies by what you’re pre-qualified for and the vehicle you select, and it applies each time you subscribe to a new vehicle. Fair helps coordinate delivery or pickup.

The service offers more than 30 different brands, all pre-owned or certified pre-owned cars, trucks and SUVs from participating dealers. All are less than six years old, with less than 70,000 miles on them. And there are some real deals in the mix: We found options as low as $105 a month (a 2015 Nissan Versa and a 2017 Mitsubishi Mirage), though you can go much higher than that with cushier vehicles, reportedly including a McLaren 570S for around $4,000 a month. You’re also charged a one-time start payment on each car that is based on the value of each vehicle.

Plans include a limited warranty, 24/7 roadside assistance, routine maintenance, insurance with a $500 deductible (or you can use your own) and protection against damages such as minor dents, worn tires and chipped windshields. Most vehicles are limited to 10,000 miles a year, though you can pre-purchase extra miles and be refunded if you don’t use them all.

Autoblog’s verdict: There’s a lot to like here, starting with the affordable prices and a policy that allows users to opt out at any time. You also get your payment prorated if you return your vehicle in the middle of a billing cycle, and you have the ability to return a car for a full refund within three days and 100 miles. Fair also offers widespread availability, with dealers in at least 28 cities, northern Virginia and statewide in Connecticut and New Jersey.


Atlanta-based Flexdrive partners with dealerships in Atlanta, Austin, Dallas/Fort Worth, New Jersey, Northern California, Philadelphia, South Florida and Virginia, with more locations to come. You apply for membership — users must be at least 25 years old, a requirement that the company says helps keep insurance costs affordable — and find vehicles through a mobile app. You can subscribe to a vehicle for as little as seven days, or as many as 28 days at a time, with unlimited renewals. Vehicles are mostly full- or midsize late-model sedans and compact vehicles, though SUVs are also available, and some locations may offer luxury cars, trucks and hybrids. Deposit amounts vary by dealership and the type of vehicle, and some markets include mileage caps.

Monthly prices start in the $400 range for vehicles such as the Nissan Leaf, Toyota Corolla and Mini Cooper and range into the $900 range, where you can choose from options such as the Infiniti Q40, Ford Mustang or Volkswagen Tiguan. Like Mobiliti, you pick up your vehicle at the participating local dealer. As a member, you’re also the only one allowed to drive the car, since you’re the only one covered under the insurance plan.

Autoblog’s verdict: With the flexibility built into its subscription plans, Flexdrive appears to be an attractive and aptly named service. But since you’re working with dealers, swapping vehicles may be less convenient or quick than other services where concierges deliver cars to your door.

Jeep Wave

Currently more of an owner-loyalty program, Jeep says it plans to expand Jeep Wave into a subscription program sometime in 2019 in the northeastern U.S. It’ll reportedly offer Good, Better and Best tier plans — nothing like truth in advertising — with different options for insurance coverage and concierge services. It also plans to launch a borrowing service to encourage Jeep owners to try out other Fiat Chrysler brands, including Dodge, Alfa Romeo and Maserati.

There are no prices yet, and we don’t know what vehicles will be offered or what’s included.

Autoblog’s verdict: TBD

LMP Subscriptions

The Plantation, Fla.-based company launched in 2018 serving customers in that state. Its model is to price its plans competitively against car sales and leasing so as to take subscriptions mainstream, rather than catering to niche luxury markets. LMP offers three tiers: Economy (starting at $249 per month), Luxury (starting at $499 per month) and Convertible (varies). There’s also an annual $575 subscription fee. Users can switch cars monthly.

LMP also buys, sells and rents vehicles and has specific plans for Uber and Lyft drivers. Ultimately, the company plans to expand to the Northeast, Midwest and other markets

Autoblog’s verdict: Worth a look if you live in Florida. LMP rightly senses many subscription users don’t want to pay more than the cost of a traditional purchase and is pricing its offerings competitively. Limited to just Florida, LMP is still small in scale.

Lexus Complete Lease

“Don’t call it a subscription” seems to be the order at Lexus, which describes its new Complete Lease service as a “full-service lease program” exclusively for the new UX subcompact crossover. It’s offered through roughly 80 dealers in seven states: California, Florida, Illinois, Indiana, Massachusetts, New Hampshire and Rhode Island.

Complete Lease includes a two-year term with a total of 20,000 miles allowed. You get all scheduled maintenance, two years of connected vehicle services including SiriusXM satellite radio and Lexus Enform Remote Destination Assist on models equipped with navigation. Insurance is through Travelers with a $500 deductible, a $250,000 per-person and $500,000 per-accident bodily injury limit and $250,000 property injury limit, with other rates and coverage that vary by state.

There’s no word yet on monthly rates; Autoblog sought that information from Lexus to no avail. But we know that the UX is the most affordable Lexus model, starting at $33,025 for the UX 200 and $35,025 for the hybrid UX 250h. Both are offered under the program.

Autoblog’s verdict: It’s hard to fully judge without pricing information. But from our personal experience, it can be tough to keep within a 10,000-mile-per-year limit. The two-year term also makes it less flexible than other services.

Mercedes-Benz Collection

Launched in 2018 in Nashville and Philadelphia, Mercedes-Benz Collection works with a mobile app, which you use to apply for membership and request a vehicle to be delivered by a concierge wherever you like. You can flip vehicles as many times as you like, and you’re also encouraged to rate your experience with each vehicle to help the service better match you with the right car. There are no mileage limits, and maintenance, roadside assistance, insurance and flips — again, unlimited in quantity — are included. Insurance includes $1 million in liability insurance coverage, $2,000 medical payments to offset any out-of-pocket or deductible costs, and a $1,000 deductible.

A $495 activation fee starts you off, and there are two membership plans: Signature, which runs $1,095 a month, and Reserve, which costs $1,595. The former features vehicles such as the Mercedes-AMG CLA 45 sedan, the GLC 300 SUV and the SLC 300 Roadster, while Reserve offers the AMG C43 sedan, the GLE 350 SUV and the AMG SLC 43 Roadster. Vehicles are within the three most recent model years, and you’re free to move between plans, with your monthly subscription fee prorated. You can also pause it for a $200 fee. The program has a minimum 32-day commitment.

Autoblog’s verdict: Slightly more affordable than its prime German competitor, Mercedes appears to have dropped a more-expensive Premier tier, which carried a monthly bill approaching $3,000. Your move, BMW.

Porsche Passport

As you might guess by now, Porsche’s subscription service isn’t cheap, but it does offer you access to a lot of great cars and fun driving, with no mileage limits and unlimited flips. There are two plans, both of which include base and S models. Launch costs $2,000 per month and features eight variants of the 718 Cayman, 718 Boxster, Macan and Cayenne. The other plan, Accelerate, costs $3,000 and offers 22 variants. It offers the four Launch models, some in higher-performance versions, plus the 911 Carrera and the Panamera. All are from the current model year.

As with many other services, the program will pick the perfect vehicle for your needs, which you enter into an app, if you want to go that route. Insurance coverage is $1 million liability coverage, plus $300,000 for an uninsured motorist, $2,000 medical payments and a $1,000 deductible. You can keep a vehicle for as long or as briefly as you want, and you’re free to move between the different plans. A $500 fee to join is nonrefundable.

Autoblog’s verdict: Care by Volvo is one of the few subscription services that isn’t geographically limited, though the two-year commitment may put off some customers. While the monthly rate has increased somewhat since the program was originally announced starting at $600, it’s still a relative deal. Care by Volvo also offers the ability to purchase the Volvo after the subscription runs its course.

Subscribe with Enterprise

Enterprise Holdings, which operates the nation’s largest car rental service, rolled out its Subscribe with Enterprise pilot in May 2019, positioning it as part of its “Mobility as a Service” offerings that also include Enterprise CarShare and Zimride by Enterprise, a web-based ride-matching and carpooling service. At the outset, the subscription service is only offered through participating Enterprise locations in three states: Minnesota, Missouri and Nevada.

For $1,499 a month, plus taxes and fees, and a $250 enrollment fee, you get access to a broad array of vehicles: sedans like the Nissan Altima, Chrysler 300 and Toyota Camry; SUVs including the Ford Explorer, Hyundai Kona and Jeep Grand Cherokee; and trucks like Chevrolet Colorado, Ram 1500 and Ford F-150. You can swap vehicles up to four times per month, cancel your membership after two full months and, as befits its famous slogan, Enterprise will pick you up or deliver your new vehicle. The mileage cap is generous, at 3,000 per month, and the flat monthly rate covers routine maintenance including oil changes and tire rotations, plus roadside maintenance including replacement of lost keys, flat tire changes, lock-out service and jumpstarts. Insurance covers vehicle damage after a $1,000 deductible, with $100,000 in bodily injury coverage or death to one individual, $300,000 to more than one person, and $50,000 for property damage.

Autoblog’s verdict: The benefits here are the wide variety of vehicles on offer, spanning multiple brands, and the relatively relaxed cap on monthly mileage. And throwing in SiriusXM satellite radio on top of the other usual perks is nice, too. But it’s difficult to square the high cost with no-frills vehicles like the Ford EcoSport or Nissan Frontier and a lack of any luxury or performance nameplates at the high end. Keep in mind, too, that not all vehicles advertised through the service will be available at all times at participating Enterprise rental locations, where the service is run from. Also, if you’re a tech junkie, note that there’s no mobile app, so all reservations or drop-offs have to be coordinated via a dedicated subscription phone number up to three business days in advance, and during business hours.


Currently in pilot phase in San Francisco, Yoyo bills itself as an on-demand, pay-per-mile subscription service through which you can drive any car you want and swap it at any time, all for less than the cost of car ownership. When you’re done with your car, you can either drop it off at Yoyo, or press a button in the app to signal that it’s ready for pickup. Membership includes comprehensive insurance, repair and maintenance, roadside assistance, ability to add a second driver and discounts for referring other subscribers.

The service says it’s using its pilot program to work out the kinks before launching in other cities and is not yet accepting members. But it has audacious goals, saying it has a plan to cut driving costs by 50 percent for 10 million members in 10 years. It is accepting founding members through a reservation program. Yoyo also appears to have launched a few crowdfunding efforts in the past.

Autoblog’s verdict: TBD