Tesla Model 3 79·Toyota bZ 84on the MotiveGrid Score·Toyota 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.
Metric
Tesla Model 3
Toyota bZ
MotiveGrid Score
79
84
Cost of Ownership
76
81
Powertrain
71
83
Driver Assistance
30
49
Livability
57
39
Safety
93
94
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
Horsepower
271 hp
168 hp
Electric range
321 mi
236 mi
Cargo volume
16.6 cu ft
27.7 cu ft
Seating
5
5
Drivetrain
RWD
FWD
Electric
2026$36,990
MSRP
$36,990
Mo · 5yr
$815
$48,889 / 5 years
Best on balance
Electric
2026$36,350
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.
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.