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Did you make sure you used Regular fuel?
Don't actually go for the cheapest option in everything, you need to still make the car not totally horrible. For example a manual gearbox would be cheapest but an advanced automatic with the same gear settings made my car much better scoring because it's so much more comfortable and comfort is valued highly in commuter cars.
Try to make a good non-budget commuter, city or passenger fleet car first. Just a normal, not cheap but not expensive car. If you can make that one score well, then just try and see where you can cut costs without making drivability, comfort, safety or fuel economy much worse. There's your commuter budget car.
It doesn't neccesarily have to score well on affordability to have a great competitiveness rating.
Just start with whatever car you think ought to be good, then click the pin button on the market sector you want, then go through messing with things and see what it does. Changes in the interior, safety, suspension settings and gearing tend to give you clear differences.
And of course if the fuel isn't avaliable, or the safety doesn't meet the legal minimum, you wont sell any no matter how good it is.
Also, if you think of commuter car as being a small city car for getting to work across town in the rush hour, that would be the common sense definition, but the game defines it as a rep mobile. A comfortable, cheap to run motorway mile muncher. Think Ford Mondeo.
Also when you hover over a catagory for a market, they tell you what they base their opinion on. Some want cheap, some want reliable, etc. Build for what they actually want and care about and their rating for that car (demand) will go up. For instance if you are building a City car for most, dont make it expensive, nice stereo, etc. Most markets will not like that, but some will depending on the country.
here's one take: https://i.imgur.com/iXWl23J.png
https://www.dropbox.com/s/ealqisghf3xoozq/Model%202%20-%20Trim%202.car?dl=1
affortability is just 30% but desiderability is high so score is quite high too, they gonna save up and buy it :D