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The True Cost of Car Ownership in 2026

If you only count the payment, the car wins. If you count insurance, gas, depreciation, maintenance, time, and accident risk, the meter gets less polite.

Run the car calculator

Depreciation is the quiet bill that arrives when you sell or trade.

Insurance is a recurring leak worth requoting every year.

Time and attention turn errands, parking, repairs, and paperwork into real cost.