Sites like Distractify mention how “Fast Car” reflects Chapman’s childhood growing up in a poor area of Cleveland, and also reflects how an “excessive reliance on others for an improved future might result in disappointment, accentuating the importance of self-sufficiency in confronting life’s challenge.” That first part fits the song, but the second part is a bit overwrought for an organic songwriter like Chapman. Such an analysis might be applicable to “Fast Car” after the fact, but it doesn’t describe what inspired or drove Chapman to write her song to begin with. Like a lot of great art, “Fast Car” wasn’t driven by ideas, but a specific, personal sentiment that happens to connect with others.
As Chapman said on BBC Radio (via Tracy Chapman Online), “Fast Car” is like her window into the world of her upbringing. She said, “I was just watching people, being in a community of people who were struggling. So everyone was really just … working hard [and] hoping that things would get better.”
She sat down with her guitar and her miniature dachshund next to her on the couch late one night and sang the opening lines, “You’ve got a fast car.” Her dog perked up in approval, and the song went from there. Chapman’s mind wandered towards her mother, who raised her daughter as a single mom with minimal education and all the dreams and fears described in “Fast Car.” Chapman envisioned when her mother and father had met, and their desire for a new life. Before long, Chapman had finished the song.