As an American I would also like to know... My actual expenses for my low end luxury car are nowhere near that high, and I live in CA which has massively inflated car expenses in practically all fronts.

Registration: $600/year

Insurance: $1,500/year

Gas: ~$2,700/year (15,000 miles @ 30mpg @ $5.50/gal)

Loan: ~$3,500/year if I had borrowed the entire price of the car on a 60 month loan and then kept the car for 15 years as the GP stated

Maintenance: Certainly less than $1,000/year, much less in most years.

And in some states registration and insurance could literally be a third of what I pay. Gas could easily be half. I can't imagine anyone is paying $12,000/year for any non-luxury vehicle.