BMW 3 Series 68·Tesla Model 3 79on the MotiveGrid Score·Tesla Model 3 about $17,713 less over 5 years
The verdict
The 2026 Tesla Model 3 is the cheaper one to own — roughly $17,713 less over five years, thanks to cheaper insurance.
The Tesla Model 3 is the stronger all-round pick here — cheaper to own with little given up in return.
Last updated May 2026 · National-average estimates
BMW 3 Series vs. Tesla Model 3
MotiveGrid scores, key specs, and five-year cost comparison: 2026 BMW 3 Series versus 2026 Tesla Model 3.
Metric
BMW 3 Series
Tesla Model 3
MotiveGrid Score
68
79
Cost of Ownership
56
76
Powertrain
64
71
Driver Assistance
6
30
Livability
61
57
Safety
95
93
5-Year Cost to Own
$66,602
$48,889
Depreciation (5-yr)
$25,968
$23,045
Fuel / Energy (5-yr)
$9,942
$3,034
Insurance (5-yr)
$16,580
$12,590
Maintenance (5-yr)
$4,080
$1,125
Tires (5-yr)
$1,550
$1,875
Financing (5-yr)
$7,222
$5,565
Registration (5-yr)
$1,260
$1,655
Starting Price
$48,000
$36,990
Horsepower
255 hp
271 hp
MPG (combined)
35 mpg
—
Electric range
—
321 mi
Cargo volume
16.9 cu ft
16.6 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 safety-conscious buyers
Electric
2026$36,990
MSRP
$36,990
Mo · 5yr
$815
$48,889 / 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 →
Tesla Model 3 scores higher overall.
BMW 3 Series
0
/ 100
Tesla Model 3
0
/ 100
CostFive-year all-in cost to own, benchmarked against the class median.
3 Series
56
Model 3
76
Winner: Model 3
$17,713 cheaper / 5 yrs
Low maintenance cost▲
PowertrainEnergy efficiency paired with long-term ownership confidence.
3 Series
64
Model 3
71
Winner: Model 3
+7 pts
Long electric range▲
Efficient (high MPG-equivalent)▲
Driver AssistHighway driving support, parking convenience, and hands-free automation.
3 Series
6
Model 3
30
Winner: Model 3
+24 pts
LivabilityPassenger space, cargo room, and everyday maneuverability.
3 Series
61
Model 3
57
Winner: 3 Series
+4 pts
SafetyCrash-test protection plus standard crash-avoidance features.
Tesla Model 3 is the better pick for long-term ownership — about $17,713 cheaper over 5 years with stronger fundamentals on running cost.
BMW 3 Series still wins if your priority is best for safety-conscious buyers.
Daily commuter
Tesla Model 3
Lowest energy cost per mile
Budget-focused
Tesla Model 3
Cheapest to own across 5 years
Family hauler
BMW 3 Series
Marginally more cargo space
Highway driver
Tesla Model 3
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
Tesla Model 3
Monthly · 5-Year avg
$815
$48,889 total / 5 years
Total · monthly$815/mo
04
Frequently asked questions
Tesla Model 3 comes out about $17,713 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.