BMW 3 Series 68·BMW i4 56on the MotiveGrid Score·BMW i4 about $1,282 less over 5 years
The verdict
The 2026 BMW i4 is the cheaper one to own — roughly $1,282 less over five years, with lower upkeep over time. The BMW 3 Series counters with more cargo room (16.9 vs 10 cu ft).
Go with the BMW i4 for the better long-term value; consider the BMW 3 Series if you prioritize more cargo space.
Last updated July 2026 · National-average estimates
BMW 3 Series vs. BMW i4
MotiveGrid scores, key specs, and five-year cost comparison: 2026 BMW 3 Series versus 2026 BMW i4.
Metric
BMW 3 Series
BMW i4
MotiveGrid Score
68
56
Cost of Ownership
56
57
Powertrain
64
61
Driver Assistance
6
6
Livability
61
37
Safety
95
85
5-Year Cost to Own
$66,602
$65,320
Depreciation (5-yr)
$25,968
$32,077
Fuel / Energy (5-yr)
$9,942
$4,097
Insurance (5-yr)
$16,580
$14,570
Maintenance (5-yr)
$4,080
$1,915
Tires (5-yr)
$1,550
$1,875
Financing (5-yr)
$7,222
$8,711
Registration (5-yr)
$1,260
$2,075
Starting Price
$48,000
$57,900
Horsepower
255 hp
335 hp
MPG (combined)
35 mpg
—
Electric range
—
301 mi
Cargo volume
16.9 cu ft
10 cu ft
Seating
5
5
Towing capacity
3,500 lbs
—
Drivetrain
RWD
RWD
Gas
2026$48,000
MSRP
$48,000
Mo · 5yr
$1,110
$66,602 / 5 years
Best for families
Electric
2026$57,900
MSRP
$57,900
Mo · 5yr
$1,089
$65,320 / 5 years
Best for long-term savings
VS
01 · The MotiveGrid Score
Five measured pillars, weighted into one score.
Cost, Powertrain, Driver Assistance, Livability, and Safety — each scored against its class, then combined into a single MotiveGrid Score. Built by our engineering team and benchmarked against independent sources like NHTSA, IIHS, and CarEdge. How it’s calculated →
BMW 3 Series scores higher overall.
BMW 3 Series
0
/ 100
BMW i4
0
/ 100
CostFive-year all-in cost to own, benchmarked against the class median.
3 Series
56
i4
57
Winner: i4
$1,282 cheaper / 5 yrs
PowertrainEnergy efficiency paired with long-term ownership confidence.
3 Series
64
i4
61
Winner: 3 Series
+3 pts
Good fuel economy▲
Driver AssistHighway driving support, parking convenience, and hands-free automation.
3 Series
6
i4
6
Evenly matched
LivabilityPassenger space, cargo room, and everyday maneuverability.
3 Series
61
i4
37
Winner: 3 Series
+24 pts
SafetyCrash-test protection plus standard crash-avoidance features.
BMW i4 is the better pick for long-term ownership — about $1,282 cheaper over 5 years with stronger fundamentals on running cost.
BMW 3 Series still wins if your priority is best for families.
Daily commuter
BMW i4
Lowest energy cost per mile
Budget-focused
BMW i4
Cheapest to own across 5 years
Family hauler
BMW 3 Series
Stronger safety with more cargo room
Highway driver
BMW 3 Series
Better adaptive cruise + lane keep
City driver
BMW 3 Series
Easiest to park and maneuver in tight spots
03
Cost of Ownership
Monthly running costs — national baseline.
Adjust for your situation
State
Miles/yr15,000
Loan rate7%
Down payment20%
Charging mix
BMW 3 Series
Monthly · 5-Year avg
$1,110
$66,602 total / 5 years
Total · monthly$1,110/mo
BMW i4
Monthly · 5-Year avg
$1,089
$65,320 total / 5 years
Total · monthly$1,089/mo
💡
On fuel + maintenance alone, the pricier BMW i4 recoups its $9,900 price premium in 6.2 years ($1,602/yr in savings). Depreciation and insurance aren’t included in this payback view.
04
Frequently asked questions
BMW i4 comes out about $1,282 cheaper over 5 years on running costs (depreciation, fuel/energy, insurance, maintenance, financing). The gap shifts with your state, annual miles, and loan rate — use the "Adjust for your situation" panel above.