I've owned both a Tesla Model 3 and a Honda Civic for the last two years, and the real cost of electric cars isn't what dealers advertise. My home charging adds roughly $30 a month to the electric bill, but the insurance premium jumped 40% compared to the gas car, and the battery depreciation scared me into skipping the road trips. For city commuters who plug in at work, an EV might save money, but for people like me who drive 200 miles weekly on highways, the math doesn't add up in favor of electric.