If you click through, you'll see they aren't really talking about how much it costs to own a car. Depreciation is not an "expense" of owning a car any more than it is an expense of owning a bike. What AAA is saying is: (1) if you buy a new car; (2) with a 5 year loan at 6%; and (3) replace that car every five years with another new car and another new car loan; then your costs will be as described in the article.

They don't address what happens if you buy a used car, or if you buy a new car and keep it for more than 5 years.

It's interesting information, and close to the IRS number (although the IRS just uses one number), but it only applies to a particular style of ownership.