What is the best car in terms of gas mileage, reliability, and safety with an affordable cost-per-month for an average US income individual?

The best way to search for this is to use Edmunds.com. The following are the "true cost to own" the vehicles listed for their first 5 years, as given by Edmunds. Since these costs include the cost of fuel, I'm not specifying that separately, though those numbers are available in the links provided below.

From my research, the best combination of reliability, affordability, and quality can be found by going with the Japanese auto makers, I've only listed models from Honda, Mazda, Nissan, and Toyota. However, you can find any other make and/or model at Edmunds. The following are thus the total "true cost to own" for these specific models for the first 5 years: Honda Civic EX automatic 4 door sedan - $32.8k Honda Accord EX automatic - $37.5k Mazda 3i Sport 4dr sedan - $32.6k Mazda 6i Sport 4dr sedan - $37.2k Nissan Altima 4d sedan 4 cyl - $36.3k Toyota Corolla 4dr sedan 4 cyl - $32.5k Toyota Prius 4 dr hatchback - $34.2k Toyota Camry LE 4dr sedan 4 cyl - $37.8k The bottom line is that if you compare the total costs for these by class, the Civic, Mazda 3, and Corolla are very close to each other (within $60 per year top to bottom), the Accord, Camry, Mazda 6, and Altima are close to each other (within $250 per year top to bottom), and the Prius is between the two groups.

Thus, unless you have your heart set on a hybrid, the Prius is more expensive to own than a similar-sized Civic or Corolla. My recommendation as to how to choose is as follows. 1. Decide if you want a hybrid or not.

If yes, get the Prius as it is the only decent-sized hybrid that saves a lot of gas. 2. Assuming you don't want to pay extra for owning a hybrid, choose if you want the Civic/Corolla/Mada 3 class, or the larger Accord/Camry/Altima/Madza 6 class.

You can also go higher in cost and look at the Toyota Avalon and/or the Nissan Maxima, but for the sake of frugality I left those out. 3. Once you pick the class, go take a test drive in each of the class members.

Check out things such as trim lines, options, handling, acceleration, leg room front and back, trunk size, etc. And prioritize the models from top to bottom.4. Get multiple quotes for any models from step 3 that you would be willing to buy. If you're a AAA member, make sure to check through them as they have negotiated substantial discounts for members with select dealerships.

This can save you 5% or more on the total cost of buying the car, as long as you take delivery from dealership inventory.5. Go to the second lowest price dealership for each model you're considering and try to get them to beat the leader. See also if they will give you such valuable extras as 0% financing, free maintenance for a few years, etc.6.

Considering all the price and total-cost-to-own data, as well as your experience during the test drives, choose which car you want, and buy it from the lowest bidder.As for the affordability factor, the total cost to own of the Civic/Corolla/Mazda 3 class ends up being about $540/month which includes taxes and fees, depreciation, gas, maintenance, repairs, insurance, and financing cost (interest). For a reliable new car, this is not an unacceptable level of cost. If you cannot afford this much, you would be well advised to look for a reliable used car, as the depreciation cost over 5 years for a new car is much higher than for a car you buy when it is 2-3 years old.

The taxes and fees will also be lower, as will the insurance and financing costs. However, the repair bills may end up eating up all that savings and more if you end up with an unreliable car. As an economist friend of mine once said, you have to be fairly rich to be able to afford owning a used car.

That was somewhat tongue in cheek, but not without some truth to it. Good luck and enjoy the new car, whichever you end up buying.

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