How to Save Money at the Gas Pump

CR offers ways to pay less for fuel

person pumping gas Photo: iStock

At $3.95 for a gallon, the national average price for regular gasoline has climbed 76 cents per gallon from a year ago, according to AAA. Prices at the pump vary by region, trending higher in the West and Northeast, and lower in the Midwest and Southeast.  (The price peaked at $5.02 on June 14, 2022.)

Patrick De Haan, senior petroleum analyst at GasBuddy, a website and smartphone app that helps drivers find the best deals, said in early March 2022 that the No. 1 cause of the current spike is the Russian invasion of Ukraine, and the economic sanctions many countries have levied against Russia. Russia, he says, produces about 10 percent of the 10 million barrels of crude oil the world uses every day, making it a significant player in the oil supply game.

“This is when Americans need to band together to cut our fuel consumption,” De Haan said in a Facebook Live post on March 7, 2022. “That is really the only thing we can do at this moment.”

More on Fuel Economy

De Haan cautioned that fuel price forecasting tends to be less precise longer than a few weeks out, and that decisions made by OPEC are the big wild card in figuring out which way prices will swing.

“You never know when OPEC is going to cut production and raise prices,” he says. 

The amount you’ll pay depends, of course, on the gas station where you fill up. The highest average price is in California, at $5.36 per gallon, and the lowest is in Texas and Arkansas, at $3.46 per gallon.

But there can also be significant price disparities among prices at filling stations in the same town. For example, according to GasBuddy’s gas price map, the Speedway Express station at 4069 State Street in Santa Barbara, Calif., is charging $5.29 per gallon for regular right now, while only a few miles away, the Chevron station at 1085 Coast Village Road is charging $5.79 per gallon. 

That means that choosing where you buy gasoline can make a big difference in how much you’re spending to fuel your vehicle. Putting 15 gallons of regular gasoline into a small SUV would cost $7.50 more at the Chevron than at the Speedway Express. That difference can really pile up—to the tune of $390 a year with a weekly fill-up.

There are also drivers who buy higher-cost premium gasoline unnecessarily for cars designed for regular fuel, according to a study by AAA. Based on current national average gasoline prices, midgrade gasoline ($4.39) costs 44 cents per gallon more than what you’d pay for regular, and premium gas ($4.69) costs 74 cents more than regular on average, according to AAA. For a 15-gallon fill-up, that’s $6.60 more for midgrade and $11.10 more for premium. (All prices as of August 16, 2022.)

How to Spend Less on Gas

“If you’re just looking at the price from the street, you’re leaving money on the table,” De Haan says. There are things you can do to keep your gas expenses down. Among them:

Use a gas station app or website. Smartphone apps, such as those from GasBuddy, AAA, and Gas Guru, are particularly convenient when you’re traveling and away from your computer. They’re available for Apple and Android devices. Many are free. You can filter results by fuel grade and sort by distance and price, as well as get GPS-guided directions to the station you choose.

GasBuddy and Fuel Finder also let you check stations for amenities such as ATMs, restaurants, and car washes. GasBuddy has station reviews, which might tell you, for instance, which restrooms to avoid. And Gas Guru lets you save your favorite stations, so you can remember where to stop on your way back.

The Google Maps and Waze apps, which many people use for real-time traffic alerts and driving directions, also offer gas-price info.

You’re likely to find that you may be able to get a better deal at stations that are not located on major highways, says Michael Calkins, a manager at AAA. Of course, making a big detour to pay less might not make sense.

Calkins also says to make sure that when you compare prices you consider buying only Top-Tier detergent gasoline, which is better for your car. 

Check the prices in the different states you’ll visit. Prices can vary significantly among states, often because of differences in state gas taxes. On Interstate 90, for example, De Haan found gas prices to be around significantly cheaper on the Ohio side of the border with Pennsylvania.

Think about how best to pay. Some stations offer a lower price if you pay with cash instead of a credit card. The difference between the cash and credit price usually ranges from around 10 to 15 cents per gallon, De Haan says, though he adds that it can be as much as a dollar.

Another option is to pay with a cash-back credit card. While the credit card price may be higher than the cash price, the reward you receive could make using the credit card a better deal.

It’s worth noting that a rewards credit card could even provide greater savings than a gas credit card from a big oil company (such as Texaco or Chevron), De Haan says. Some cards offer introductory cash or points bonuses for signing up, and others offer discounts at the pump. The Bank of America Customized Cash Rewards credit card, for example, offers a $200 bonus to people who spend $1,000 on purchases during the first nine days of card ownership. The ExxonMobile Smart Card, by contrast, gives a 6-cent discount per gallon of fuel purchased.

If you plan to pay by debit card, don’t assume that you are getting the cash price. Some stations could charge you the credit card rate instead. Check the posted prices at the pump. Selecting the debit option and entering a pin when you pump your gas is often a good indication that your transaction will be handled as cash, says Lyle Beckwith, senior vice president of the National Association of Convenience Stores, based in Alexandria, Va.

Slow down. De Haan says it may sound silly, but with prices being as high as they are, it’s a good idea to keep your foot out of the accelerator pedal. Around town, that means reducing your rate of acceleration, and on the highway, keeping your speed below 75 mph, above which he says wind resistance eats into your fuel economy. “Reducing your speed to 65 on the highway can increase fuel economy by as much as 15 to 20 percent,” he says.

Check your tire pressure. Making sure your car’s tires are properly inflated to the pressure indicated on the sticker inside the driver’s door will make it run more efficiently.

Reduce the number of car trips. If you can avoid traveling by car, either by walking, taking public transportation, or staying home, you’ll save money at the pump. If you do have to drive somewhere, try to bundle errands and appointments so you don’t have to make multiple trips and use more fuel.

Regular Gas vs. Premium Gas

Think expensive gas means increased power and better fuel economy? On the “Consumer 101” TV show, Consumer Reports expert Mike Monticello reveals to host Jack Rico what to know before filling up at the pump.


Head shot of CR Autos Editor, Benjamin Preston

Benjamin Preston

My reporting has taken me everywhere from Baghdad, Iraq, to the Detroit auto show, along the U.S.-Mexico border and everywhere in between. If my travels have taught me anything, it's that stuff—consumer products—is at the center of daily life all over the world. That's why I'm so jazzed to be shining light on what works, what doesn't, and how people can enrich their lives by being smarter consumers. When I'm not reporting, I can usually be found at home with my family, at the beach surfing, or in my driveway, wrenching on my hot rod '74 Olds sedan.