Electrician here. If you are planning to add a 48a EV charger, you need to understand that an EV charger is considered a 'continuous' load. Meaning you need to treat it as being 1.25x the rated load: eg 48 x 1.25 = 60a. This needs #6 wire, not #8.

And for the cost, I would look at running an aluminum acwu armoured cable to the garage for a 100a subpanel. Where I'm at, practically the same cost as running #6 or #8 3 conductor in a conduit. Then, off the sub-panel, you can run lights, outlets, EV, etc. Gives you more flexibility down the line. Just be sure to treat your terminations with anti-oxidant if you go aluminum, and ensure your panel lugs are rated for aluminum conductors (most are).

I'm in Canada, so I'm trying not to go too much into code rules, because they're different up here, but the continuous load stuff is for sure the same. Check with a local licensed electrician for any specific questions you might have.