Your driving life
A few quick facts help us calculate what ownership will really cost you.
Annual miles driven12,000 mi
How long will you keep this car?5 years
Do you own your home or control your parking?
Do you take road trips (100+ mi) a few times a year?
State EV rebate / incentive
State-level only. Federal credits have been eliminated as of 2025. Income & vehicle price limits vary by state.
Your state (for CO₂ grid intensity)
Source: EPA eGRID 2023. This affects the EV carbon calculation significantly — a coal-heavy grid can make an EV dirtier than a hybrid.
Configure each vehicle
Pick a preset to auto-fill real specs, or enter your own dealer quote numbers.
⛽ Gas
Quick presets
Custom
Out-the-door price
Down payment
Trade-in value
Loan term60 mo
APR6.9%
Fuel economy28 mpg
Annual insurance est.$1,400 / yr
🔋 Hybrid
Quick presets
Custom
Out-the-door price
Down payment
Trade-in value
Loan term60 mo
APR6.9%
Fuel economy46 mpg
Annual insurance est.$1,550 / yr
⚡ Electric
Quick presets
Custom
Out-the-door price
Down payment
Trade-in value
Loan term60 mo
APR6.9%
Efficiency3.5 mi/kWh
Annual insurance est.$1,950 / yr
EVs typically cost 10–25% more to insure due to repair complexity
Fuel & energy
These costs compound quietly over years. The reference table shows current and scenario prices.
📊 Reference prices
Click Use to apply any price directly to your estimate
| Type | Region / Scenario | Price | Context |
|---|
⛽ Gas price (per gallon)$3.50 / gal
⚡ Home electricity rate (per kWh)$0.16 / kWh
% of EV charging at public stations15%
Public DC fast charging averages $0.35–$0.55/kWh — much pricier than home
Do you have solar panels at home?
⚡ EV Home Charger Setup
Install a Level 2 home charger?
Maintenance & hidden costs
The costs dealers never put on the sticker. These are big — and often ignored.
💡 Sourced from AAA's 2025 Your Driving Costs study. Average gas sedan: ~$650/yr in service. Tire costs are annualized — e.g. 4 tires × $80 replaced every 6 years = ~$53/yr. EVs skip oil changes & have longer brake life (regenerative braking), but battery weight and instant torque wear tires ~20% faster. EV-spec tires also cost more ($150–$290 each).
⛽ Gas — annual
Service & repairs$650 / yr
AAA avg: ~$650/yr for a sedan at 12k mi. SUVs/trucks run $900–$1,400+.
Tires (annualized)$110 / yr
e.g. 4 tires × $80 replaced every 6 yrs ≈ $53/yr annualized. Adjust up for SUVs or premium brands.
🔋 Hybrid — annual
Service & repairs$500 / yr
Fewer oil changes & brake jobs than gas. Regenerative braking extends pads.
Tires (annualized)$110 / yr
⚡ EV — annual
Service & misc$250 / yr
No oil changes or transmission service. Mainly cabin filter, wipers, fluids.
Tires (heavier + torquier)$160 / yr
EV-spec tires $150–$290 each; battery weight & torque cause ~20% faster wear.
EV: rent a car for long road trips?
📉 Annual depreciation rate
⛽ Gas15% / yr
🔋 Hybrid13% / yr
⚡ EV18% / yr
EVs currently depreciate faster due to rapid battery improvements & smaller used-EV market
Your true cost of ownership