During a slow snowy weekend I finally spreadsheeted three years of Honda bills and came up with about 20 cents a mile operating cost for my civic (40K miles). That includes gasoline, maintenance, insurance, but not depreciation. My 1990 average 11 cents a mile over its lifetime, when gas was cheaper. Insurance hasnt changed that much over the decades. Age discounts tend to counteract inflation. Its was very short spreadsheet. Besides the seven periodic maintenances, there was failed pollution sensor (warranty) and new winter tires. Not much.