Head-to-head · vehicle level

Tesla Model 3 vs. Toyota bZ

Tesla Model 3 79Toyota bZ 84on the MotiveGrid ScoreToyota bZ about $3,927 less over 5 years
The verdict

The 2026 Toyota bZ is the cheaper one to own — roughly $3,927 less over five years, thanks to cheaper insurance. The Tesla Model 3 counters with more range (321 vs 236 miles) and more power (271 vs 168 hp).

Go with the Toyota bZ for the better long-term value; consider the Tesla Model 3 if you prioritize more driving range and stronger acceleration.

Last updated July 2026 · National-average estimates

Tesla Model 3 vs. Toyota bZ

MotiveGrid scores, key specs, and five-year cost comparison: 2026 Tesla Model 3 versus 2026 Toyota bZ.
MetricTesla Model 3Toyota bZ
MotiveGrid Score7984
Cost of Ownership7681
Powertrain7183
Driver Assistance3049
Livability5739
Safety9394
5-Year Cost to Own$48,889$44,961
Depreciation (5-yr)$23,045$21,737
Fuel / Energy (5-yr)$3,034$2,520
Insurance (5-yr)$12,590$10,945
Maintenance (5-yr)$1,125$900
Tires (5-yr)$1,875$1,750
Financing (5-yr)$5,565$5,469
Registration (5-yr)$1,655$1,640
Starting Price$36,990$36,350
Horsepower271 hp168 hp
Electric range321 mi236 mi
Cargo volume16.6 cu ft27.7 cu ft
Seating55
DrivetrainRWDFWD
Electric
2026$36,990
2026 Tesla Model 3 in Pearl White against a clean background
MSRP
$36,990
Mo · 5yr
$815
$48,889 / 5 years
Best on balance
Electric
2026$36,350
2026 Toyota bZ electric SUV in three-quarter front view
MSRP
$36,350
Mo · 5yr
$749
$44,961 / 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 →

Toyota bZ scores higher overall.

Tesla Model 3
0
/ 100
Toyota bZ
0
/ 100
CostFive-year all-in cost to own, benchmarked against the class median.
Model 3
76
bZ
81
Winner: bZ
$3,927 cheaper / 5 yrs
PowertrainEnergy efficiency paired with long-term ownership confidence.
Model 3
71
bZ
83
Winner: bZ
+12 pts
Driver AssistHighway driving support, parking convenience, and hands-free automation.
Model 3
30
bZ
49
Winner: bZ
+19 pts
Strong highway driving support
LivabilityPassenger space, cargo room, and everyday maneuverability.
Model 3
57
bZ
39
Winner: Model 3
+18 pts
SafetyCrash-test protection plus standard crash-avoidance features.
Model 3
93
bZ
94
02

Which vehicle is right for you

🏆

Toyota bZ is the better pick for long-term ownership — about $3,927 cheaper over 5 years with stronger fundamentals on running cost.

Tesla Model 3 still wins if your priority is best on balance.

Daily commuter
Toyota bZ
Lowest energy cost per mile
Budget-focused
Toyota bZ
Cheapest to own across 5 years
Family hauler
Toyota bZ
Substantially more cargo room
Highway driver
Toyota bZ
Better adaptive cruise + lane keep
City driver
Toyota bZ
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

Tesla Model 3
Monthly · 5-Year avg
$815
$48,889 total / 5 years
Total · monthly$815/mo
Toyota bZ
Monthly · 5-Year avg
$749
$44,961 total / 5 years
Total · monthly$749/mo
04

Frequently asked questions

Toyota bZ comes out about $3,927 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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