i found that local tire shops either mark up the tire price and advertise “free install” or they charge $25-$35 for carry-in.
the big box stores had low internet pricing and did the free install. no local tire shops came close.
edit : my oem truck tires have a lot of extra steel and rubber. i just checked two big box stores online and both had sets of four decent quality passenger car tires for less than $200 otd, installed.