Uber has recently made it irritatingly difficult to figure out what their rates are, so let's go with Lyft, which has very similar prices. Their SF rates are $1.35 per mile[1] -- assuming that you never have a waiting fee, never hit a minimum fare, and never pay during surge pricing (yes, yes, "prime time tips"), and, mysteriously, never pay their "safety" fee.

If you drive 7,000 miles a year (so, about 5,000 miles less than average), that's $9,450 dollars per year.

The TCO of a Honda Civic, assuming 15,000 miles a year (more than twice what we're assuming for the Lyft rider!) is on average a couple thousand dollars less per year [2].

Rideshare is not a reasonable substitute for car ownership for anyone who is cost-conscious, and it will never be until and unless autonomous vehicles exist.

[1] https://www.lyft.com/help?article=1263247 [2] http://www.edmunds.com/honda/civic/2014/tco.html?style=20049...