The average yearly cost of keeping a family car on the road is 10,594 euro, down just 18 euro on last year's figure.
Research from the AA shows Irish motorists have not benefited from dramatic falls in the price of fuel over the past year.
Fuel prices are down compared to 2014, but those gains are wiped out by an average 20 percent rise in insurance premiums for the typical motorist.
The AA says the trend looks set to continue into 2016, with insurers nervous about rising claims and about improving their reserves.
