The average annual cost of running a car has soared more than 20% since April last year.
A huge hike in insurance premiums and a big rise in petrol prices account for most of the overall increase, the survey by Sainsbury's Finance showed.
The average running cost is now £3,089 - a 21.1% rise on the cost on April 1 2010.
This includes a 30.7% average increase in insurance, a 22.9% rise in fuel and a 5.4% rise in servicing costs.
Also, MOT test costs have risen 1.6%, while motoring taxes have increased by an average of 5.1%.
The cost of fuel - accounting for £1,720 of the annual car-running expenditure - was based on driving 10,000 miles a year in a Ford Focus.
The survey, of 2,022 adults, showed that 18% would not consider switching their car insurance but 6.2% obtained more than five quotes.
Ben Tyte, head of motor insurance at Sainsbury's Finance, said: "The cost of motoring has soared in recent months as all costs, but particularly fuel prices and insurance premiums, continue to rise.
"The cost of driving can be kept better in check by shopping around, particularly for fuel and car insurance."