Owning a semi-truck in Ontario is more than just a purchase—it's a long-term investment that requires ongoing care. While the price tag of the truck itself is significant, maintenance and repairs often represent one of the largest ongoing costs for owner-operators and fleet managers alike.

Between Ontario’s rough winters, regulatory compliance requirements, and the wear and tear of long hauls, understanding and budgeting for semi-truck maintenance is crucial to keeping your rig road-ready and your business profitable.

In this guide, we’ll break down typical maintenance expenses, explain the cost factors specific to Ontario, and provide practical financial planning tips—along with how Mehmi Financial Group can support you with tailored trucking financial solutions.

The True Cost of Semi-Truck Maintenance

Maintenance costs for semi-trucks can range widely depending on mileage, truck age, weather exposure, and driver behavior. However, a good rule of thumb is to expect maintenance and repair costs of $15,000–$25,000 per year for a single truck.

Common Routine Maintenance Costs

Maintenance Item	Frequency	Estimated Cost (CAD)
Oil Change	Every 25,000–50,000 km	$200–$400 per service
Tire Rotation	Every 10,000–15,000 km	$100–$200 per rotation
Alignment	Every 6 months or 50,000 km	$200–$300 per alignment
Brake Inspection	Every 6 months or 30,000 km	$100–$300
Fluid Top-Ups & Filters	Quarterly or seasonally	$200–$500

Staying on top of these regular services extends your truck’s life and prevents bigger problems later.

The Cost of Unexpected Repairs

Even with regular servicing, breakdowns can happen—and they’re often expensive.

Having a financial safety net is essential to handle these kinds of surprise repairs without jeopardizing your operations.

Why Semi-Truck Maintenance Costs Are Higher in Ontario

Ontario presents a few unique challenges that contribute to increased maintenance needs.

❄️ Harsh Weather Conditions

🛣️ Road Quality

Frequent freeze-thaw cycles lead to potholes and rough roads, increasing the need for:

⚙️ Regulatory Compliance

Ontario’s annual safety inspections and Drive Clean emissions tests add costs that can’t be avoided. Failure to comply may lead to fines, downtime, or even revoked operating licenses.

How to Budget for Semi-Truck Maintenance

Smart financial planning starts with knowing what to expect and creating systems to manage expenses. Here’s how:

1. Create a Dedicated Maintenance Budget

Set aside $1,200–$2,000 per month per truck in a maintenance reserve account. Even if you don’t use it every month, it builds a cushion for major repairs.

2. Use a Maintenance Schedule

Develop a preventive maintenance checklist and stick to a schedule. Preventive care costs far less than reactive repairs.

Pro tip: Download a quarterly maintenance checklist and post it in your cab for easy reminders.

3. Track Expenses with Software

Use expense tracking software or apps to log maintenance invoices, parts, and service intervals. These records help you:

4. Leverage Financial Solutions

If major repairs exceed your budget, turn to funding options from Mehmi Financial Group, such as:

How Mehmi Financial Group Can Help

We understand the realities of trucking in Ontario—and the financial pressures that come with it.

🚚 Trucking Industry Experts

We specialize in serving owner-operators and fleet managers across Canada. Whether you own one truck or manage a fleet, our team knows what’s needed to keep you rolling.

💡 Tailored Financing Solutions

From leasing and refinancing to lines of credit and factoring, we provide flexible funding to handle maintenance costs, equipment upgrades, and more.

⚡ Fast Turnaround

Get up to $5 million in funding in as little as 48 hours, with minimal paperwork.

🤝 Dedicated Support

We offer clear, personal guidance through every step of the financing process. No confusing jargon. Just real people who know your industry.

FAQs: Semi-Truck Maintenance in Ontario

How often should I get a safety inspection in Ontario?
Commercial trucks over 4,500 kg must undergo annual safety inspections to stay compliant.

Can I finance truck maintenance costs?
Yes. Many truck owners use working capital loans or lines of credit to cover unexpected repair costs.

Are maintenance expenses tax deductible?
Yes. Most truck maintenance costs are deductible as business expenses. Keep detailed records and consult your accountant for specifics.

Should I lease or finance repairs with my truck loan?
While truck loans may include some bundled maintenance, it’s often best to handle repairs with separate financing to preserve cash flow flexibility.

Final Thoughts: Maintenance Is an Investment—Not an Expense

Maintaining your semi-truck in Ontario isn't optional—it's essential. The costs are real, but with proper planning, financial discipline, and expert support, they’re manageable.

At Mehmi Financial Group, we help truckers like you stay ahead of unexpected breakdowns and keep your rig on the road. Whether you're budgeting for routine service or navigating a costly repair, we're here to help you protect your investment.

Semi-Truck Maintenance Costs in Ontario