I would say Bicycle usage costs very much less ,really only entailing the occasional cost of Tyres ,Inner Tubes,Lubrication, and once a year service practically nothing. Whereas a Car costs a lot each week in Fuel and lots of repairs throughout the year then a service each year. Then of course Insurance ,Tax,costs of Parking. Also the bad effects on your Health. There is really no contest,a car loses hands down in every way. The time factor is insignificant just allow more