Your math may be flawed. I'm amazed at what you pay for both insurance and gas and while I won't challenge your insurance rate, I suggest it would be impossible to commute 20 out of 30 days on only $20.00. That would be remarkable! You have also neglected to include additional public transit costs for incidental trips, parking and vehicle maintenance. I know that in my circumstance insurance is $1,100.00 per year and $30.00 a week in gas. Bi-annual oil-change/tune-up/maintenance on the car runs a minimum $1,000 per year (factoring in that some components will require replacement or repair on a 13 year old car). Parking at work and various other standard trips runs another $300.00 per year or more. So, barring any unforeseen mechanical issues or tickets I can expect to have a minimumal yearly expense of about 3 grand. On the other hand, I own a $550.00 cruiser, a $600.00 chopper, a $700.00 trike (for shopping) and a brand new (picking it up today) Firebike cruiser ($1,200.00) that add up to the same value as operating a car for one year (approx). I commute every day from March through to December and use public transit for only about 2.5 months of the year ($200.00). So, if I can curb my impulse to buy more bikes, I save thousands every year by cycling and using public transit. I've never seen anyone ever be able to realistically show a vehicle costing less to operate than cycling/transit.