Toyota Highlander 78·Toyota RAV4 77on the MotiveGrid Score·Toyota RAV4 about $19,799 less over 5 years
The verdict
The 2026 Toyota RAV4 is the cheaper one to own — roughly $19,799 less over five years, mostly because it holds its value better. The Toyota Highlander counters with more towing capacity (5,000 vs 1,750 lbs) and more power (265 vs 219 hp).
Go with the Toyota RAV4 for the better long-term value; consider the Toyota Highlander if you prioritize more towing capacity and stronger acceleration.
Last updated May 2026 · National-average estimates
Toyota Highlander vs. Toyota RAV4
MotiveGrid scores, key specs, and five-year cost comparison: 2026 Toyota Highlander versus 2026 Toyota RAV4.
Metric
Toyota Highlander
Toyota RAV4
MotiveGrid Score
78
77
Cost of Ownership
73
91
Powertrain
70
74
Driver Assistance
43
43
Livability
46
49
Safety
93
72
5-Year Cost to Own
$57,590
$37,791
Depreciation (5-yr)
$19,174
$9,251
Fuel / Energy (5-yr)
$14,034
$8,980
Insurance (5-yr)
$12,325
$10,735
Maintenance (5-yr)
$1,790
$1,340
Tires (5-yr)
$2,150
$1,750
Financing (5-yr)
$6,901
$4,800
Registration (5-yr)
$1,215
$935
Starting Price
$45,870
$31,900
Horsepower
265 hp
219 hp
MPG (combined)
24 mpg
43 mpg
Cargo volume
16 cu ft
37.6 cu ft
Seating
7
5
Towing capacity
5,000 lbs
1,750 lbs
Drivetrain
AWD
FWD
Gas
2026$45,870
MSRP
$45,870
Mo · 5yr
$960
$57,590 / 5 years
Best on balance
Hybrid
2026$31,900
MSRP
$31,900
Mo · 5yr
$630
$37,791 / 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 Highlander scores higher overall.
Toyota Highlander
0
/ 100
Toyota RAV4
0
/ 100
CostFive-year all-in cost to own, benchmarked against the class median.
Highlander
73
RAV4
91
Winner: RAV4
$19,799 cheaper / 5 yrs
PowertrainEnergy efficiency paired with long-term ownership confidence.
Highlander
70
RAV4
74
Winner: RAV4
+4 pts
Good fuel economy▲
Driver AssistHighway driving support, parking convenience, and hands-free automation.
Highlander
43
RAV4
43
Evenly matched
LivabilityPassenger space, cargo room, and everyday maneuverability.
Highlander
46
RAV4
49
Winner: RAV4
+3 pts
SafetyCrash-test protection plus standard crash-avoidance features.
Toyota RAV4 is the better pick for long-term ownership — about $19,799 cheaper over 5 years with stronger fundamentals on running cost.
Toyota Highlander still wins if your priority is best on balance.
Daily commuter
Toyota RAV4
Lowest energy cost per mile
Budget-focused
Toyota RAV4
Cheapest to own across 5 years
Family hauler
Toyota RAV4
Substantially more cargo room
Highway driver
Toyota Highlander
Better adaptive cruise + lane keep
City driver
Toyota RAV4
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%
Toyota Highlander
Monthly · 5-Year avg
$960
$57,590 total / 5 years
Total · monthly$960/mo
Toyota RAV4
Monthly · 5-Year avg
$630
$37,791 total / 5 years
Total · monthly$630/mo
04
Frequently asked questions
Toyota RAV4 comes out about $19,799 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.