BMW i4 56·Tesla Model 3 79on the MotiveGrid Score·Tesla Model 3 about $16,432 less over 5 years
The verdict
The 2026 Tesla Model 3 is the cheaper one to own — roughly $16,432 less over five years, mostly because it holds its value better. The BMW i4 counters with more power (335 vs 271 hp).
Go with the Tesla Model 3 for the better long-term value; consider the BMW i4 if you prioritize stronger acceleration.
Last updated May 2026 · National-average estimates
BMW i4 vs. Tesla Model 3
MotiveGrid scores, key specs, and five-year cost comparison: 2026 BMW i4 versus 2026 Tesla Model 3.
Metric
BMW i4
Tesla Model 3
MotiveGrid Score
56
79
Cost of Ownership
57
76
Powertrain
61
71
Driver Assistance
6
30
Livability
37
57
Safety
85
93
5-Year Cost to Own
$65,320
$48,889
Depreciation (5-yr)
$32,077
$23,045
Fuel / Energy (5-yr)
$4,097
$3,034
Insurance (5-yr)
$14,570
$12,590
Maintenance (5-yr)
$1,915
$1,125
Tires (5-yr)
$1,875
$1,875
Financing (5-yr)
$8,711
$5,565
Registration (5-yr)
$2,075
$1,655
Starting Price
$57,900
$36,990
Horsepower
335 hp
271 hp
Electric range
301 mi
321 mi
Cargo volume
10 cu ft
16.6 cu ft
Seating
5
5
Drivetrain
RWD
RWD
Electric
2026$57,900
MSRP
$57,900
Mo · 5yr
$1,089
$65,320 / 5 years
Best on balance
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 i4
0
/ 100
Tesla Model 3
0
/ 100
CostFive-year all-in cost to own, benchmarked against the class median.
i4
57
Model 3
76
Winner: Model 3
$16,432 cheaper / 5 yrs
Low maintenance cost▲
PowertrainEnergy efficiency paired with long-term ownership confidence.
i4
61
Model 3
71
Winner: Model 3
+10 pts
Long electric range▲
Driver AssistHighway driving support, parking convenience, and hands-free automation.
i4
6
Model 3
30
Winner: Model 3
+24 pts
LivabilityPassenger space, cargo room, and everyday maneuverability.
i4
37
Model 3
57
Winner: Model 3
+20 pts
SafetyCrash-test protection plus standard crash-avoidance features.
Tesla Model 3 is the better pick for long-term ownership — about $16,432 cheaper over 5 years with stronger fundamentals on running cost.
BMW i4 still wins if your priority is best on balance.
Daily commuter
Tesla Model 3
Lowest energy cost per mile
Budget-focused
Tesla Model 3
Cheapest to own across 5 years
Family hauler
Tesla Model 3
Stronger safety with more cargo room
Highway driver
Tesla Model 3
Better adaptive cruise + lane keep
City driver
Tesla Model 3
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 i4
Monthly · 5-Year avg
$1,089
$65,320 total / 5 years
Total · monthly$1,089/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 $16,432 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.