New York City has always been a headache for drivers, and some 6,100 street parking spots have vanished over the last year in favor of bike lanes, restaurant seating and ride-share drop-offs. That means more drivers than ever are circling around the block, and fighting for pricey reserved spaces.

That’s why Matt Rossi, a 23-year-old marketing analyst who lives in Murray Hill, has opted out — and instead parks his 2007 Jeep Liberty in White Plains.

“It’s planes, trains and automobiles to get to,” he said of the free lot next to his office, which is 30 miles from his apartment. “It’s an hour and a half door to door.”

But, hey — it’s free!

One Manhattan banker named Jonathan, who asked that his last name be withheld for privacy reasons, stores his collection of vintage cars in New Jersey and also keeps two cars in Manhattan garages, which costs him $800 a month total.

“I bought a $5,000 Mercedes SL 500 off of eBay for commuting, because all my cars get ruined in garages in the city,” he said. “They bash [the Mercedes] up but it doesn’t matter as much.”

And no matter how much money you have, you can’t just buy the building next door and turn it into a garage: Manhattan zoning laws prohibit new curb cutouts.

Having a legal pre-existing curb cut “adds at least 10 percent in value” to a property, estimates Compass real-estate agent Leonard Steinberg.

Here, car-owning New Yorkers reveal just what parking costs in the city today.

Shelby Fix feels like she’s losing years off her life parking her car on the streets of the Upper West Side.

“Alternate-side street parking gives me a lot of anxiety,” said the auto consultant.

She said the twice-weekly reshuffling, for street cleanings, is like a game. “Everyone has to double-park on the other side of the street, from 9 in the morning to 10:30 and sit in our car until the street cleaner comes. After it comes, there’s a rush to get back to the spot you were just in.”

Though the 27-year-old said she hasn’t been clocked for a violation in a year, she admitted of the past: “I’ve slept through alarms, and there have been times when I’ve been sick, so I just took the $65 fine.”

And now that some 400 spots have been eliminated to create a protected bike lane on Central Park West, Fix said her stress is higher than ever: “It’s unbelievable. I’ve sat in my car for an hour and a half looking for a spot.”

“When it comes to my vehicle, it’s a love-hate relationship,” said Max Tibett, who lives in Astoria.

He uses his Ford F-150 pickup for his job overseeing the installations of stone finishings in high-end apartments, and ends up lugging the materials to as many as three work sites on any given day.

He spends about $900 a month on parking among metered spots, short-term garage stays and a municipal lot by his home in Queens. It’s all covered by his employer, but his time and patience are pushed to the limit.

“Usually I’m circling for about a half-hour to get a spot,” Tibett added, “I’m always playing the meter game, and fighting with the meter maids.”

And even with an expense account, the 30-year-old ­admitted, “It’s torturous most weeks.”

So he often travels with a backup plan.

“I have brought my motorcycle in the back of my pickup truck,” Tibett said. If he finds a really great parking spot, he’ll just unload his bike and tool around town as needed.

“You can get places quickly and find a spot no matter where you go.”

For Tricia Lee, a spot in an Icon parking lot adjacent to her Downtown Brooklyn high-rise is priceless.

“Whether or not I have a coat, I’m fine. I come out of my apartment, I take two elevators, I get in my car and I’m gone,” said Lee.

A real-estate agent, she depends on her BMW X6 for work, as she regularly transports clients to showings.

Before, she lived in Clinton Hill and parked her previous car, a Range Rover, on the street. Now, Lee said, the garage costs make up for what she used to spend in frequent car washes, extra gas for circling around searching for a spot and damage from wear and tear.

“There were so many scratches and bumps,” she said of her old routine. “I spent $600 a year fixing the bumper so it wouldn’t look horrendous,”

A self-proclaimed car buff who loves to drive around and listen to podcasts like “Oprah’s SuperSoul” between appointments, Lee said she’s not just paying $455 a month for security and convenience, but also peace of mind.

“I don’t want to revolve my whole life around street cleaning and parking difficulty. It would consume my life,” she said. “It’s my sanity fee.”