Tesla Model Y 76·Toyota bZ 84on the MotiveGrid Score·Toyota bZ about $7,802 less over 5 years
The verdict
The 2026 Toyota bZ is the cheaper one to own — roughly $7,802 less over five years, thanks to cheaper insurance. The Tesla Model Y counters with more range (321 vs 236 miles) and more cargo room (76 vs 27.7 cu ft).
Go with the Toyota bZ for the better long-term value; consider the Tesla Model Y if you prioritize more driving range and more cargo space.
Last updated July 2026 · National-average estimates
Tesla Model Y vs. Toyota bZ
MotiveGrid scores, key specs, and five-year cost comparison: 2026 Tesla Model Y versus 2026 Toyota bZ.
Metric
Tesla Model Y
Toyota bZ
MotiveGrid Score
76
84
Cost of Ownership
67
81
Powertrain
71
83
Driver Assistance
30
49
Livability
46
39
Safety
100
94
5-Year Cost to Own
$52,764
$44,961
Depreciation (5-yr)
$25,034
$21,737
Fuel / Energy (5-yr)
$2,863
$2,520
Insurance (5-yr)
$14,260
$10,945
Maintenance (5-yr)
$1,125
$900
Tires (5-yr)
$1,750
$1,750
Financing (5-yr)
$6,017
$5,469
Registration (5-yr)
$1,715
$1,640
Starting Price
$39,990
$36,350
Horsepower
295 hp
168 hp
Electric range
321 mi
236 mi
Cargo volume
76 cu ft
27.7 cu ft
Seating
5
5
Towing capacity
3,500 lbs
—
Drivetrain
RWD
FWD
Electric
2026$39,990
MSRP
$39,990
Mo · 5yr
$879
$52,764 / 5 years
Best for families
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 Y
0
/ 100
Toyota bZ
0
/ 100
CostFive-year all-in cost to own, benchmarked against the class median.
Model Y
67
bZ
81
Winner: bZ
$7,802 cheaper / 5 yrs
PowertrainEnergy efficiency paired with long-term ownership confidence.
Model Y
71
bZ
83
Winner: bZ
+12 pts
Driver AssistHighway driving support, parking convenience, and hands-free automation.
Model Y
30
bZ
49
Winner: bZ
+19 pts
Strong highway driving support▲
LivabilityPassenger space, cargo room, and everyday maneuverability.
Model Y
46
bZ
39
Winner: Model Y
+7 pts
Roomy cabin and cargo▲
SafetyCrash-test protection plus standard crash-avoidance features.
Toyota bZ is the better pick for long-term ownership — about $7,802 cheaper over 5 years with stronger fundamentals on running cost.
Tesla Model Y still wins if your priority is best for families.
Daily commuter
Toyota bZ
Lowest energy cost per mile
Budget-focused
Toyota bZ
Cheapest to own across 5 years
Family hauler
Tesla Model Y
Better safety rating with 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 Y
Monthly · 5-Year avg
$879
$52,764 total / 5 years
Total · monthly$879/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 $7,802 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.