EV vs gas savings in California vs Florida vs Texas: 5 years, EPA small sport utility vehicle 4wd class, 15,000 miles a year
Florida has the largest projected 5-year saving from an EV instead of a gas car in the EPA small sport utility vehicle 4wd class: $3,304 ($680 more than the next state). California: $2,624; Florida: $3,304; Texas: $2,361. These are projected differences in total cost of ownership in US dollars at each state's electricity and gasoline prices, for an EV at 2.87 miles per kWh and a gas car at 23.9 mpg bought at the same price, not a prediction of your own costs.
The same assumptions in every column
In this comparison of California, Florida, and Texas (projected totals in US dollars), every column uses an EV at 2.87 miles per kWh and a gas car at 23.9 mpg, both in the EPA small sport utility vehicle 4wd class and both bought at $35,000, driven 15,000 miles a year for 5 years. Only the state changes, and with it the electricity and gasoline prices. Each column is its own call to the same API with the same inputs. The calculation table reports the exact dollar figures the API returned, with the low and high end of the savings range for each state.
What the projection leaves out
For California, Florida, and Texas, the projected totals in US dollars leave out the real purchase prices of the vehicles you would compare, your insurance quotes, your utility's rate plan and the resale value of your particular cars. The range is the 10th to 90th percentile of the savings across 71 historical 5-year windows of gasoline and electricity prices (BLS CPI through 2026-08). It shows how far fuel prices alone could move the answer and is not a forecast. Purchase price, insurance, depreciation, maintenance, incentives and your own mileage are held at the values shown; the range does not include them varying. The EV and the gas car are given the same purchase price, so each column is the difference in operating cost: fuel, maintenance, insurance and registration, less resale value. Home charger cost is zero; the API requires a battery size its cost arithmetic does not use, so 60 kWh is sent. Depreciation is an authored estimate (15 percent a year for both vehicles), not data. Maintenance per mile comes from the AAA Your Driving Costs study. Dollar totals and savings are rounded to whole dollars.
Try your own numbers
Open the Celvari calculator. The savings in US dollars for California, Florida, and Texas come from this page's comparison. The calculator link carries this page for attribution; the form does not apply the comparison automatically. Enter your own vehicles, their prices and your state there to see your total cost with a savings range and every assumption listed.
More Celvari comparisons. Read the EIA electricity prices. Read about the consumer price index.
Calculation provenance
Prices: California's latest EIA residential electricity price, 0.3361 dollars per kWh, and gasoline at 4.336 dollars a gallon, derived from EIA's state and national price files. Growth: the ten-year compound rate of the BLS consumer price index for gasoline (6.15 percent a year) and for electricity (4.69 percent a year), carried forward. Sample size UNAVAILABLE: the prices are state averages and the price index a national series, so neither has a sample size to report. Inspect the API. Response hashes and retrieval times are retained separately in the calculation record.
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Calculation data
| Input | Value |
|---|---|
| Vehicle Class | Small Sport Utility Vehicle 4WD |
| ev Miles Per Kwh | 2.87 |
| mpg | 23.9 |
| price | 35000 |
| ev Insurance | 2070 |
| ice Insurance | 1704 |
| ev Registration | 1051 |
| ice Registration | 609 |
| annual Miles | 15000 |
| years | 5 |
| Measure | California | Florida | Texas |
|---|---|---|---|
| Projected 5-year savings from an EV instead of a gas car, small sport utility vehicle 4wd (USD) | 2,624.00 | 3,304.00 | 2,361.00 |
| Savings at the 10th percentile of historical fuel-price windows (USD) | 1,761.00 | 2,720.00 | 1,833.00 |
| Savings at the 90th percentile of historical fuel-price windows (USD) | 3,912.00 | 4,213.00 | 3,194.00 |
| Projected 5-year total cost of the EV (USD) | 54,363.00 | 49,030.00 | 49,274.00 |
| Projected 5-year total cost of the gas car (USD) | 56,986.00 | 52,334.00 | 51,635.00 |
| Residential electricity price in California (USD per kWh) | 0.3361 | 0.1503 | 0.1588 |
| Gasoline price in California (USD per gallon) | 4.336 | 3.025 | 2.828 |
| Distance from winning value (USD) | 680.00 | 0.00 | 943.00 |
| Decision | Alternative value | Winning value | Alternative value |
Winner: Florida. Objective: maximize. Margin to next option: 680.00 USD. Assumption: Largest projected savings of the stated EV over the stated gas car, over the stated years only. Where you live is not a choice this compares: it shows how much of the saving is the local fuel prices. Your own vehicles, prices, mileage and electricity plan will move the numbers.
- winner
- fl
- objective
- maximize
- metric
- savings
Source and assumptions
- Prices: California's latest EIA residential electricity price, 0.3361 dollars per kWh, and gasoline at 4.336 dollars a gallon, derived from EIA's state and national price files.
- Growth: the ten-year compound rate of the BLS consumer price index for gasoline (6.15 percent a year) and for electricity (4.69 percent a year), carried forward.
- The range is the 10th to 90th percentile of the savings across 71 historical 5-year windows of gasoline and electricity prices (BLS CPI through 2026-08). It shows how far fuel prices alone could move the answer and is not a forecast.
- Purchase price, insurance, depreciation, maintenance, incentives and your own mileage are held at the values shown; the range does not include them varying.
- The EV and the gas car are given the same purchase price, so each column is the difference in operating cost: fuel, maintenance, insurance and registration, less resale value. Home charger cost is zero; the API requires a battery size its cost arithmetic does not use, so 60 kWh is sent.
- Depreciation is an authored estimate (15 percent a year for both vehicles), not data. Maintenance per mile comes from the AAA Your Driving Costs study. Dollar totals and savings are rounded to whole dollars.
California. Data layer: Celvari electricity_prices, gas_prices (EIA) and cost_indices (BLS via FRED). Source: EIA Electric Power Monthly Table 5.6.A; EIA SEDS price file and national gasoline price; BLS CPI-U series CUSR0000SETB01 and CUSR0000SEHF01. Vintage: Prices fetched 2026-10-11 and 2026-10-11; price index through 2026-08, fetched 2026-10-11. Sample size: UNAVAILABLE.
Fetched: 2026-10-12T18:25:18.809Z
Source updated: EIA prices fetched 2026-10-11; BLS CPI to 2026-08, fetched 2026-10-11
Cache: Unreported
Response SHA-256
f66b7dc26a6af5abd1c046a3869e82bb13865a50f6a3af9f1a608f573e17137eFlorida. Data layer: Celvari electricity_prices, gas_prices (EIA) and cost_indices (BLS via FRED). Source: EIA Electric Power Monthly Table 5.6.A; EIA SEDS price file and national gasoline price; BLS CPI-U series CUSR0000SETB01 and CUSR0000SEHF01. Vintage: Prices fetched 2026-10-11 and 2026-10-11; price index through 2026-08, fetched 2026-10-11. Sample size: UNAVAILABLE.
Fetched: 2026-10-12T18:25:19.270Z
Source updated: EIA prices fetched 2026-10-11; BLS CPI to 2026-08, fetched 2026-10-11
Cache: Unreported
Response SHA-256
c242c8e6fe71d9dd2c5071bc95e190759fa4d756484836d7ee2da4630d9f13baTexas. Data layer: Celvari electricity_prices, gas_prices (EIA) and cost_indices (BLS via FRED). Source: EIA Electric Power Monthly Table 5.6.A; EIA SEDS price file and national gasoline price; BLS CPI-U series CUSR0000SETB01 and CUSR0000SEHF01. Vintage: Prices fetched 2026-10-11 and 2026-10-11; price index through 2026-08, fetched 2026-10-11. Sample size: UNAVAILABLE.
Fetched: 2026-10-12T18:25:19.731Z
Source updated: EIA prices fetched 2026-10-11; BLS CPI to 2026-08, fetched 2026-10-11
Cache: Unreported
Response SHA-256
7dcac13dd88531a0f42c28dab45c1ffc6976f21a1e974389a16cbad952719451Questions about this comparison
In which state does an EV save the most over a gas car: California, Florida, and Texas?
Florida has the largest projected 5-year saving from an EV instead of a gas car in the EPA small sport utility vehicle 4wd class: $3,304 ($680 more than the next state). California: $2,624; Florida: $3,304; Texas: $2,361. These are projected differences in total cost of ownership in US dollars at each state's electricity and gasoline prices, for an EV at 2.87 miles per kWh and a gas car at 23.9 mpg bought at the same price, not a prediction of your own costs.
What is held constant in this comparison?
In this comparison of California, Florida, and Texas (projected totals in US dollars), every column uses an EV at 2.87 miles per kWh and a gas car at 23.9 mpg, both in the EPA small sport utility vehicle 4wd class and both bought at $35,000, driven 15,000 miles a year for 5 years. Only the state changes, and with it the electricity and gasoline prices. Each column is its own call to the same API with the same inputs.
What do these projections leave out?
For California, Florida, and Texas, the projected totals in US dollars leave out the real purchase prices of the vehicles you would compare, your insurance quotes, your utility's rate plan and the resale value of your particular cars. The range is the 10th to 90th percentile of the savings across 71 historical 5-year windows of gasoline and electricity prices (BLS CPI through 2026-08). It shows how far fuel prices alone could move the answer and is not a forecast. Purchase price, insurance, depreciation, maintenance, incentives and your own mileage are held at the values shown; the range does not include them varying. The EV and the gas car are given the same purchase price, so each column is the difference in operating cost: fuel, maintenance, insurance and registration, less resale value. Home charger cost is zero; the API requires a battery size its cost arithmetic does not use, so 60 kWh is sent. Depreciation is an authored estimate (15 percent a year for both vehicles), not data. Maintenance per mile comes from the AAA Your Driving Costs study. Dollar totals and savings are rounded to whole dollars.
How can I try my own numbers?
The savings in US dollars for California, Florida, and Texas come from this page's comparison. The calculator link carries this page for attribution; the form does not apply the comparison automatically. Enter your own vehicles, their prices and your state there to see your total cost with a savings range and every assumption listed.