2026 Toyota Camry vs 2026 Tesla Model 3
Both are commonly cross-shopped against each other. Here’s how their real 5-year ownership costs actually compare, using real market pricing data rather than sticker price alone.
Pricing data refreshed monthly · last updated September 2026
2026 Toyota Camry
$31,1595-year total · $519/moPrice: $35,959 · 47 MPG
Depreciation: $13,683 · Fuel: $4,468
Insurance: $7,750 · Maintenance: $3,000
2026 Tesla Model 3
$35,9675-year total · $599/moPrice: $42,994 · 30 kWh/100 mi
Depreciation: $18,607 · Electricity: $2,880
Insurance: $9,500 · Maintenance: $2,300
Most of the gap comes from depreciation ($4,924 higher for the Tesla Model 3) and insurance ($1,750 higher for the Tesla Model 3).
After 5 years, the Toyota Camry keeps about 62% of its value and the Tesla Model 3 about 57%.
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