Car buyers pay 10% above the sticker price, on average — or more if you want a Jeep or Porsche

Forget getting a deal; these days, anyone successful the marketplace for a caller car could wage thousands implicit the sticker terms earlier they thrust disconnected the lot.

Limited inventory owed to a persistent shortage of machine chips, on with different supply-chain challenges, helped propel caller car prices up 10% from a twelvemonth ago, according to the latest information from the U.S. Bureau of Labor Statistics.

For caller cars, the mean transaction terms reached an estimated $46,259 successful August — the highest connected record, a abstracted J.D. Power/LMC forecast found.

And now, arsenic request continues to transcend supply, dealers are adjacent charging a premium implicit the manufacturer's suggested retail terms connected caller vehicles, according to car buying site iSeeCars.

"Consumers are consenting to wage good supra sticker terms for caller cars due to the fact that inventory is truthful scarce and due to the fact that they cognize that caller car pricing is not expected to amended until 2023 astatine the earliest," said Karl Brauer, iSeeCars' enforcement analyst.

"The marketplace is beauteous brutal successful presumption of pricing," said Brauer.

The mean caller conveyance is priced 10% supra the sticker price, the caller iSeeCars investigation of 1.9 cardinal caller car listings recovered — with immoderate sought-after models marked up overmuch more.  

The conveyance with the top markup was the Jeep Wrangler, which is presently selling for 24% implicit the MSRP, oregon astir $8,433 much than retail, iSeeCars found.

Several in-demand luxury SUVs are besides going for astatine slightest 20% implicit sticker, including the Porsche Macan, Genesis GV70 and Lexus RX.

"These are vehicles radical bargain due to the fact that they privation to person amusive connected the weekends and they're little impacted by rising prices," Brauer said.

However, "if you are successful a presumption that you request a car to service your basal needs," Brauer advises car shoppers to "research and comparison prices betwixt aggregate dealers," adjacent if they are acold away, "and, successful immoderate cases, tin debar markups by ordering straight from the manufacturer."

At the aforesaid time, financing immoderate benignant of conveyance is besides getting much expensive, arsenic the Federal Reserve's rate-hiking rhythm pushes up the outgo of auto loans.

The mean yearly percent complaint connected a caller car deed 5.7% successful August, according to the latest information from Edmunds, and is apt to caput higher. 

More from Personal Finance:
How precocious ostentation whitethorn impact your taxation bracket
5 ways to prevention amid grounds nutrient terms inflation
Here's what to expect for some caller and utilized car prices

Paying an yearly percent complaint of 6% alternatively of 5% would outgo consumers $1,348 much successful involvement implicit the people of a $40,000, 72-month car loan, Edmunds experts said, although consumers with higher recognition scores are often capable to unafraid amended indebtedness terms.

"Shopping for amended rates done fiscal institutions tin beryllium helpful, but low- oregon no-interest loans done the automakers' captive concern institution tin besides marque a quality erstwhile it comes to redeeming wealth and could yet pb to a determination to acquisition 1 conveyance implicit another," said Ivan Drury, Edmunds' manager of insights.

Subscribe to CNBC connected YouTube.