Reassessing Used Car Pricing: How Three-to-Five-Year-Old Models Compare With New Dealer Prices

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A recent comparison explored how suggested retail prices (SRP) line up with what dealership advisors report to automotive experts, revealing surprising gaps even in a market already rattled by scandals and headlines. The question then becomes: what about almost-new vehicles with low mileage that aren’t purchased from a dealer directly?

This analysis looks at vehicles that have recently left the warranty window, roughly three to five years old (model years 2017–2019) with mileage up to 100,000 kilometers. The goal is to identify configurations closest to those considered for new cars, because the focus is on dealer pricing. Listings were sourced from popular regional auto marketplaces and the results are summarized in a table.

Toyota RAV4

The RAV4 entered a new generation in 2020, so models from the previous generation are treated as used. Consumers often face a choice: buy a slightly older variant and save, or upgrade to the current generation, which typically carries a longer warranty. This decision mirrors careful cost comparisons between a used unit and a fresh, dealer-new option.

Honda CR-V

The CR-V shows a similar generational shift pattern, though price gaps between late-generation used cars and the latest models are less pronounced. Regardless of stance, a current-generation vehicle with zero mileage and a warranty demands a premium that buyers should weigh against the benefits of a newer model.

Kia Seltos

The Seltos presents another interesting scenario. The earliest units still on sale date back to 2020, meaning many are still within warranty. A late-model, low-mileage example can be noticeably cheaper—often several hundred thousand in value—than a comparable dealer-new unit.

Skoda Kodiaq

For the Kodiaq, a notable contrast appears between SRP and dealer pricing for new models. A solid, well-kept, low-mileage vehicle past its warranty can cost roughly one and a half times less than a brand-new counterpart. The peak price of recent used examples still sits well below brand-new thresholds, illustrating how quickly depreciation can widen the gap.

Nissan Rogue

In the Rogue segment, the oldest clones on the market date from the early 2020s. These cars typically offer a balance: a reasonable price drop from new, while still carrying a strong warranty for a period. In mid-range trims close to luxury, a three-year-old Rogue can be a substantial bargain relative to a fresh dealer car.

The table below compares device configurations, equipment, SRP in CAD/USD, dealer-new pricing, and used prices for three-to-five-year-old cars with mileage resembling that of typical daily drivers.

Car Equipment SRP, million CAD/USD New at the dealer, million CAD/USD Used, 3-5 years, million CAD/USD
Toyota RAV4* AWD, 2L, CVT, Comfort 30 53 25–28
Honda CR-V* AWD, 2L, automatic, EX 28 41 22–29
Kia Seltos** FWD, 2L, Style 24 35 25–31
Skoda Kodiaq AWD, diesel, Style 28 55 35–43
Nissan Rogue AWD, 2L, SV 26 38 28–34

* New — current-generation cars; used — previous generation.

** The Seltos model arrived in 2020; the table reflects prices for that year’s later options.

For readers still considering a new car, the expert at Za Rulem offers a comprehensive dealer tour that can help demystify the market.

  • Extra insights can be found in the published guide with practical tips for evaluating wheels and wheels-to-price parity.
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