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Pick your state for a car loan calculator pre-filled with its state vehicle tax, trade-in credit rule and a $699 dealer doc fee (editable). No trade-in tax credit: California, Hawaii, Virginia, D.C.; Michigan caps it. No state sales tax: Alaska, Delaware, Montana, New Hampshire, Oregon.
Base rates: Tax Foundation, Facts & Figures 2026, Table 18 (State & Local Sales Tax Rates), as of January 1, 2026; vehicle rules best-effort.
California, Hawaii, Virginia and Washington, D.C. tax the full price; Michigan caps the credit ($12,000 in 2026). Best-effort; verify with your state.
Alaska (local taxes may apply), Delaware (charges a vehicle document fee instead), Montana, New Hampshire and Oregon (0.5% privilege tax on new vehicles).
No. Estimates, not financial advice.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.