Tesla Model Y vs Toyota RAV4 Hybrid
Which one costs less to own? Both priced at $32,000, 3 years old, with 20% down on a 60-month loan, 12,000 miles a year and US average costs. Only the car's own costs differ.
The short answer
The Toyota RAV4 Hybrid costs about $8,578 less to own over five years than the Tesla Model Y. Mostly because it keeps more of its value.
Check the Model Y with your numbers Check the RAV4 Hybrid
Cost to own, side by side
| Model Y | RAV4 Hybrid | |
|---|---|---|
| Value kept after 5 years | 40% | 69% |
| Worth after 5 years | $12,800 | $22,080 |
| Fuel or charging per year | $567 | $945 |
| Insurance per year | $2,500 | $2,100 |
| Repairs and maintenance, 5 years | $2,165 | $2,975 |
| True monthly cost | $881 | $889 |
| 5-year cost after resale | $46,931 | $38,353 |
Which one is worth it at your income?
The highest price that still scores Worth it (70 or more), with the same loan and costs as above.
| Yearly income | Model Y | RAV4 Hybrid |
|---|---|---|
| $50,000 | $11,000 | $15,500 |
| $75,000 | $25,000 | $32,000 |
| $100,000 | $39,000 | $48,000 |
Real prices differ by trim, mileage and condition, and your insurance quote and loan rate matter a lot. Run your own numbers for the exact car you are looking at.
More on each car
Is a Tesla Model Y worth it? · Is a Toyota RAV4 Hybrid worth it?
Figures are estimates from public averages (data as of 2026-10), not quotes or financial advice. Resale from iSeeCars, repair costs from CarEdge. See how we score.