Head-to-head · vehicle level

Tesla Model Y vs. Toyota bZ

Tesla Model Y 76Toyota bZ 84on the MotiveGrid ScoreToyota 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.
MetricTesla Model YToyota bZ
MotiveGrid Score7684
Cost of Ownership6781
Powertrain7183
Driver Assistance3049
Livability4639
Safety10094
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
Horsepower295 hp168 hp
Electric range321 mi236 mi
Cargo volume76 cu ft27.7 cu ft
Seating55
Towing capacity3,500 lbs
DrivetrainRWDFWD
Electric
2026$39,990
2026 Tesla Model Y Juniper
MSRP
$39,990
Mo · 5yr
$879
$52,764 / 5 years
Best for families
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 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.
Model Y
100
bZ
94
Winner: Model Y
+6 pts
5-star overall NHTSA rating
IIHS Top Safety Pick+
02

Which vehicle is right for you

🏆

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.

Where these rank

Browse all MotiveGrid rankings →

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