it depends, but for the average driver who in the US is doing about 14000 miles per year the savings will be less than $200/month. that barely covers insurance and taxes leaving little for the rest.
Insurance and taxes are about $100 on my 25 year old truck. I replaced it (fuel tank rusted off) a month ago so I don't know what it is on a 20k car yet. There isn't much you can maintain for $100 a month. That 20k car is several hundred a month and mowt people replace them when paid off.
