Head-to-head · vehicle level

BMW 3 Series vs. BMW i4

BMW 3 Series 68BMW i4 56on the MotiveGrid ScoreBMW 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.
MetricBMW 3 SeriesBMW i4
MotiveGrid Score6856
Cost of Ownership5657
Powertrain6461
Driver Assistance66
Livability6137
Safety9585
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
Horsepower255 hp335 hp
MPG (combined)35 mpg
Electric range301 mi
Cargo volume16.9 cu ft10 cu ft
Seating55
Towing capacity3,500 lbs
DrivetrainRWDRWD
Gas
2026$48,000
2026 BMW 3 Series Sedan front three-quarter view
MSRP
$48,000
Mo · 5yr
$1,110
$66,602 / 5 years
Best for families
Electric
2026$57,900
2026 BMW i4 Gran Coupe front three-quarter view
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.
3 Series
95
i4
85
Winner: 3 Series
+10 pts
5-star overall NHTSA rating
02

Which vehicle is right for you

🏆

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.

Where these rank

Browse all MotiveGrid rankings →

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