.. the answer as always is depends.. scratch made, truly scratch made for example
3dscan the car (assumes you can actually get anyone to allow you to prime their car for scanning) maybe $500-1000
software to automate turning point clouds into solids or decimated meshes ~$3000
or
manually draw all the features over the scanned mesh, for something like a car, maybe 30 hours at what labour rate?
Photos of interiors, texture maps, modelling the entire interior another 10-15 hours
modelling in and testing all the physics and porting it to the game. 5-10 hours?
Polyphony for example will spend months developing a car, at an outrageous cost.
I am looking for a car that is not in AC, my Sons holden barina, there are no models on the web, so it has to be truly scratch made.
Anyone willing to do it for 50 bucks for me? I prefer to pay 5 or nothing though.. its just a mod.