Financial help

Giving the lease car back early will require fees or penalties. I come home each day since I am local. Will go otr but maybe four trips in a month will be still coming home almost each day. The reason I wanted to pay it off is to have some breathing room if truck breaks down bills etc add up. I live in NYC so insurance is high. I also feel like buying a used car and not making payments for something I won't own is the best option. But I think I will just pay it off and once I return it buy a used car. Thanks for the advice