GasCostCalCost Per Mile Calculator
See what each mile in your personal car costs, including gas, maintenance, tires, insurance, and depreciation.
Cost per mile
$0.617
15,000 miles per year · personal car
- Per year
- $9,258.00
- Per month
- $771.50
Your cost breakdown
| Category | Per mile | Per year |
|---|---|---|
| Gas | $0.160 | $2,397.00 |
| Maintenance, repairs & tires | $0.122 | $1,827.00 |
| Insurance | $0.114 | $1,704.00 |
| Depreciation | $0.222 | $3,330.00 |
Gas uses 25 MPG and $3.995/gal, the EIA weekly default above. Other categories use your current entries.
Gas vs total cost per mile
Gas cost per mile is your price per gallon divided by MPG. Your total adds maintenance, repairs, tires, insurance, and depreciation. The breakdown shows how much each category contributes to your annual budget and each mile you drive.
Insurance and depreciation spread across your annual mileage. Driving fewer miles spreads those annual amounts over fewer miles, raising their cost per mile when the annual amounts stay the same.
AAA cost per mile by vehicle class
AAA’s 2026 gas-powered comparison at 15,000 miles per year provides a new-car benchmark. These AAA totals include fuel, maintenance, repairs, tires, insurance, depreciation, license, registration, taxes, and finance charges. The calculator above adds the categories shown in your breakdown using your selected gas price and MPG.
| Vehicle class | AAA cost per mile | AAA cost per year |
|---|---|---|
| Medium sedan | $0.705 | $10,582 |
| Compact SUV | $0.777 | $11,656 |
| Medium SUV | $0.962 | $14,431 |
| Pickup truck | $1.108 | $16,626 |
AAA Your Driving Costs 2026, page 3, gas columns · . Category definitions: AAA fact sheet.
How each category is figured
- Gas: divide annual miles by MPG, then multiply by the price per gallon.
- Maintenance, repairs, and tires: multiply your combined per-mile allowance by annual miles. Use your service records and tire budget, or start with the AAA preset.
- Insurance: enter your annual premium. Divide the annual premium by annual miles for its per-mile share.
- Depreciation: enter the value your car loses over a year. Divide that annual amount by annual miles for its per-mile share.
- Total: add the annual categories, then divide by annual miles for cost per mile and by the months in a year for a monthly budget.
Cost per mile questions
What is the average cost per mile to drive?
AAA’s 2026 study puts a new medium sedan at $0.705 per mile and a pickup at $1.108 per mile, at 15,000 miles a year. Use the calculator above to calculate your car’s cost with your MPG and annual expenses.
Does lower mileage raise cost per mile?
Yes, when annual insurance and depreciation stay the same. Those costs are spread across fewer miles. Gas and the per-mile maintenance allowance follow the miles you enter, while insurance and depreciation follow the annual amounts you enter.
How does the IRS mileage rate compare with my cost?
The 2026 IRS business standard mileage rate is 76 cents per mile from through ; it was 72.5 cents per mile from through . The IRS rate supports eligible vehicle-use deductions; this calculator adds the personal-car expenses you enter. Sources: Notice 2026-10 () and Announcement 2026-11 ().
Plan another drive
Use the Gas Cost Calculator to calculate fuel for a trip, include the return drive, and split gas money with passengers.
Use the Commute Cost Calculator to budget your drive to work with gas, parking, tolls, and carpool sharing.