If you're tying to budgetmaxx, why are we having a car payment on our total?
Gone are the days of $500 dollar drivable shitboxes, although you can easily get cars in the US for under a few grand. Why you'd be penny pinching and taking a loan out is beyond me. You ideally don't want a loan for anything, but some may excuse a home loan...
Both of my Range Rovers cost under a grand, combined, although that's in the UK.
They cost pennies to tax and insure. They're a bit expensive to run, but they do stuff I can't easily do with something cheap to run like pull 3500kg trailers up mountains.
If two Waymo rides per day is covering your driving needs, there's no way you're spending $120/month on gas. Also, car insurance in CA is a huge ripoff, but I still don't pay anywhere near $180/month for very thorough coverage on my ~$40k car. Believable enough otherwise though.
Comprehensive, collision and 500k liability through USAA, $120/month. Deductibles are as high as they will allow, which is $1k IIRC. I was recently forced to consider a move to Utah. Thankfully I didn't end up moving, but a quote for the exact same coverage in SLC was just $40/month.
I shop around regularly. USAA isn't even remotely the cheapest option, and the handful of experiences I and family members have had suggest that they are just as shitty as any other insurance company when it comes to handling claims. I only stick with them because they are consistently within 20% of the cheapest option and I value having all of my banking and insurance handled in one place.
Lease or loan: $350
Parking in city: $300
Car insurance: $180
Gas: $120
License/Registration: $42 (~$500 per year)
Maintenance: $17 (~$200 per year)
If you live in the city and you can afford not driving, please put that extra $1000/month into your brokerage or HYSA