Tesla Model 3 vs Toyota Camry: Full Cost Comparison (2026)
Quick Answer
The Toyota Camry is $13,531 cheaper to own over 5 years. Tesla Model 3: $867/month. Toyota Camry: $642/month.
✓ Updated March 2026✓ Based on state insurance filings
| 2024 Tesla Model 3 | 2024 Toyota Camry | |
|---|---|---|
| MSRP | $40,240 | $29,995 |
| Insurance (Monthly) | $300/mo | $178/mo |
| kWh/100mi | 24 | 32 |
| 5-Year Depreciation | 55% | 44% |
| Annual Maintenance | $488 | $388 |
| Safety Rating | 5/5 | 5/5 |
| Theft Risk | low | high |
| 5-Year Total Cost | $52,032 | $38,501 |
5-Year Winner
Toyota Camry
Saves $13,531 over 5 years
These are estimates based on state averages. Your exact rate depends on your specific profile.
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