OWNERSHIP COSTS

Ownership Costs

Depreciation, insurance, fuel and maintenance over time.

Diesel share of used vehicle listings by state
Ownership Costs

Montana's Used Lots Are 19% Diesel. Washington DC's Are 1.4%.

Diesel is supposed to be finished in America. It is in some places and thriving in others, and the split maps almost perfectly onto what people use their vehicles for.

Aug 13, 2026 · 2 min
Full coverage insurance take-up by state
Ownership Costs

In Wyoming, a Fifth of the Coverage Available Goes Unbought

There's a gap between what a full insurance package costs and what drivers actually spend, and it varies a lot by state. The states where people buy the least are not the ones you'd guess.

Aug 13, 2026 · 2 min
Average fuel economy by era — MPG from the 1990s to the 2020s
Ownership Costs

Fuel Economy Went Nowhere for Five Years, Then Jumped 30%

Fuel economy is supposed to improve every year. I charted it by era across our whole catalogue and found a decade where it did nothing at all — which is useful, because it means one buying window is far better than it looks.

Aug 12, 2026 · 2 min
Liability as a share of the car insurance premium by state
Ownership Costs

In Florida, Two Thirds of Your Premium Protects Other People's Cars

Everyone knows Florida insurance is expensive. Nobody says which part of the bill is expensive. I split the premium into its components by state and the answer isn't the part that covers your car.

Aug 11, 2026 · 2 min
Longest powertrain warranty — coverage length by car brand
Ownership Costs

Four Brands Offer a 10-Year Warranty. None of Them Are German.

The longest warranties in America belong to the brands people used to dismiss, and the shortest belong to the ones charging the most. I checked what every manufacturer actually promises.

Aug 11, 2026 · 2 min
Electric and hybrid share of used car listings by state
Ownership Costs

Hawaii's Used Lots Are 6.3% Electric. Missouri's Are 0.8%.

National EV adoption figures hide something a buyer cares about more: whether there are any on the lot near you. I split our used listings by state and the gap between the top and the bottom is eight to one.

Aug 10, 2026 · 2 min
Car insurance increase — average premium by year and by state
Ownership Costs

Your Car Got Older and Cheaper. Your Insurance Went Up 20%.

Depreciation is supposed to make a car cheaper to own every year. I pulled the rate data and found the one line on the ownership bill that moves the opposite way — and it moved fast.

Aug 9, 2026 · 2 min
Plug-in hybrid car charging on a driveway
Ownership Costs

A Plug-In Hybrid Costs $1,118 More a Year to Run Than an EV

The plug-in hybrid is treated as a compromise nobody really wants. Put the running costs side by side and it lands much closer to the electric car than to the petrol one — while sidestepping the two things that make EV ownership awkward.

Aug 8, 2026 · 2 min
Used electric car with charging port open on a dealer lot
Ownership Costs

Electric Cars Are 6% of the Used Market. In 2016 They Were 0.7%.

New-car EV sales get reported monthly. The used market is where those cars end up three years later, and that wave has only just started breaking — I can see it arriving year by year in our listings.

Aug 8, 2026 · 2 min
Exhaust pipes of a high-performance sports car
Ownership Costs

A Lamborghini Emits More Than Two Volvos

Everyone knows a supercar drinks fuel. Fewer people have seen the actual spread: across every model rated since 2020, the dirtiest brand puts out 2.2 times the CO₂ of the cleanest, and scores a 1.5 out of 10 on smog while Volvo scores 6.2.

Aug 7, 2026 · 2 min
Electric car plugged into a home charger overnight
Ownership Costs

Home Charging Still Takes 10 Hours. It Did in 2023 Too.

Every launch promises quicker charging, and every year the fast-charger figures do improve. Meanwhile the number that actually governs owning one — how long it takes on the socket in your garage — hasn't moved since 2023.

Aug 6, 2026 · 3 min
Electric car driving on an open highway
Ownership Costs

Electric Cars Lose Range on the Highway. Gas Cars Gain It.

Every driver knows highway miles are the easy ones. That's true for a petrol engine and false for a battery — EPA figures show electric cars losing 11% of their range the moment you get up to speed, and nobody mentions it at the dealership.

Aug 5, 2026 · 3 min