Considering I was driving 30k/yr at one point while commuting, I can imagine quite a lot of miles, actually.
PS: Your insurance costs are fantasy land. The average US driver pays almost $1500/hr. I haven't had so much as a speeding ticket in a decade and live in a safe small town and am still over $1k/yr.
Lower mileage insurance can help reduce that cost by the way, if you tell your insurer your only adding 2k miles a year to the car rather than 10k miles, they will drop your rates commensurately.
Sub in an eBike for the commuting & errands, its quite doable to go car light or car free (esp. if Car2go, Lime pod or another service is available in your city).
PS: Your insurance costs are fantasy land. The average US driver pays almost $1500/hr. I haven't had so much as a speeding ticket in a decade and live in a safe small town and am still over $1k/yr.