Toyota RAV4 78·Toyota Tacoma 69on the MotiveGrid Score·Toyota RAV4 about $6,008 less over 5 years
The verdict
The 2026 Toyota RAV4 is the cheaper one to own — roughly $6,008 less over five years, helped by better fuel economy. The Toyota Tacoma counters with more towing capacity (3,500 vs 1,750 lbs).
Go with the Toyota RAV4 for the better long-term value; consider the Toyota Tacoma if you prioritize more towing capacity.
Last updated May 2026 · National-average estimates
Toyota RAV4 vs. Toyota Tacoma
MotiveGrid scores, key specs, and five-year cost comparison: 2026 Toyota RAV4 versus 2026 Toyota Tacoma.
Metric
Toyota RAV4
Toyota Tacoma
MotiveGrid Score
78
69
Cost of Ownership
92
84
Powertrain
74
63
Driver Assistance
43
43
Livability
49
39
Safety
72
73
5-Year Cost to Own
$37,766
$43,774
Depreciation (5-yr)
$9,251
$7,495
Fuel / Energy (5-yr)
$8,980
$16,677
Insurance (5-yr)
$10,735
$9,470
Maintenance (5-yr)
$1,315
$2,305
Tires (5-yr)
$1,750
$2,000
Financing (5-yr)
$4,800
$4,882
Registration (5-yr)
$935
$945
Starting Price
$31,900
$32,445
Horsepower
219 hp
228 hp
MPG (combined)
43 mpg
23 mpg
Cargo volume
37.6 cu ft
38.1 cu ft
Seating
5
5
Towing capacity
1,750 lbs
3,500 lbs
Drivetrain
FWD
2WD
Hybrid
2026$31,900
MSRP
$31,900
Mo · 5yr
$629
$37,766 / 5 years
Best for long-term savings
Gas
2026$32,445
MSRP
$32,445
Mo · 5yr
$730
$43,774 / 5 years
Best on balance
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 RAV4 scores higher overall.
Toyota RAV4
0
/ 100
Toyota Tacoma
0
/ 100
CostFive-year all-in cost to own, benchmarked against the class median.
RAV4
92
Tacoma
84
Winner: RAV4
$6,008 cheaper / 5 yrs
Low maintenance cost▲
PowertrainEnergy efficiency paired with long-term ownership confidence.
RAV4
74
Tacoma
63
Winner: RAV4
+11 pts
Good fuel economy▲
Driver AssistHighway driving support, parking convenience, and hands-free automation.
RAV4
43
Tacoma
43
Evenly matched
LivabilityPassenger space, cargo room, and everyday maneuverability.
RAV4
49
Tacoma
39
Winner: RAV4
+10 pts
Easy to maneuver and park▲
SafetyCrash-test protection plus standard crash-avoidance features.
Toyota RAV4 is the better pick for long-term ownership — about $6,008 cheaper over 5 years with stronger fundamentals on running cost.
Toyota Tacoma 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 Tacoma
Marginally more cargo space
Highway driver
Toyota RAV4
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 RAV4
Monthly · 5-Year avg
$629
$37,766 total / 5 years
Total · monthly$629/mo
Toyota Tacoma
Monthly · 5-Year avg
$730
$43,774 total / 5 years
Total · monthly$730/mo
04
Frequently asked questions
Toyota RAV4 comes out about $6,008 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.