Electric car or full hybrid – which is cheaper in Estonia?

Over 5 years the Toyota C-HR costs €3,817 less than the Kia EV3 (€33,675 against €37,492).

Over 5 years the Tesla Model Y costs €5,716 less than the Toyota RAV4 (€33,554 against €39,270).

The biggest differences: depreciation (Kia EV3 €20,043, Toyota C-HR €11,277), energy (Kia EV3 €4,394, Toyota C-HR €11,000) and insurance (Kia EV3 €4,277, Toyota C-HR €1,829).

The Kia EV3 is cheaper than the Toyota C-HR from about 32,000 km a year.

The Tesla Model Y is cheaper than the Toyota RAV4 at any distance from 5,000 to 60,000 km a year.

Open this comparison in the calculator →

Assumptions: 20,000 km a year, 5 years, bought with cash, 80% of charging at home, fuel and electricity prices rising 5% a year; prices as of 8 October 2026. Every assumption can be changed in the calculator.

Total cost over 5 years at 20,000 km a year

Cost	Kia EV3 Electric	Toyota C-HR Full hybrid	Tesla Model Y Electric	Toyota RAV4 Full hybrid
Purchase price	€44,690	€33,750	€40,990	€41,300
Depreciation	€20,043	€11,277	€13,937	€13,800
Interest and cost of capital	€3,240	€2,710	€3,276	€3,317
Energy	€4,394	€11,000	€5,013	€12,375
Preheating	€202	€255	€401	€255
Car tax and registration fee	€400	€925	€464	€1,640
Insurance	€4,277	€1,829	€4,264	€2,080
Service and inspection	€1,155	€2,672	€1,005	€2,672
Repair risk after warranty	€0	€1,058	€600	€1,058
Tyres	€2,481	€1,950	€3,294	€2,075
Other costs	€1,300	€0	€1,300	€0
Total cost	€37,492	€33,675	€33,554	€39,270
Per month on average	€625	€561	€559	€654
Cost per km	€0.37/km	€0.34/km	€0.34/km	€0.39/km
Value at the end	€24,647	€22,473	€27,053	€27,500

How mileage changes the answer

Total cost over 5 years at different yearly distances. The cheapest is in bold.

Distance per year	Kia EV3	Toyota C-HR	Tesla Model Y	Toyota RAV4
10,000 km	€29,575	€22,693	€24,460	€26,500
20,000 km	€37,492	€33,675	€33,554	€39,270
30,000 km	€45,559	€45,123	€43,322	€52,506

Questions and answers

At what mileage does an electric car pay off against a hybrid?

The Kia EV3 is cheaper than the Toyota C-HR from about 32,000 km a year. The Tesla Model Y is cheaper than the Toyota RAV4 at any distance from 5,000 to 60,000 km a year.

Which holds its value better?

After 5 years at 20,000 km a year the car is worth about this share of its price: Kia EV3 55% (€24,647), Toyota C-HR 67% (€22,473), Tesla Model Y 66% (€27,053) and Toyota RAV4 67% (€27,500).

What if I can’t charge at home?

Without home charging (90% at public AC posts, 10% at fast chargers) the totals are: Toyota C-HR €33,675, Tesla Model Y €34,423, Kia EV3 €38,048 and Toyota RAV4 €39,270. Public charging costs roughly twice as much per kilowatt-hour as charging at home.

What is the car tax on an electric car and a hybrid?

Annual tax and registration fee of a new car in 2026: Kia EV3 €50 and €150, Toyota C-HR €50 and €675, Tesla Model Y €56 and €182 and Toyota RAV4 €118 and €1,050. The annual tax starts to fall from the car’s fifth year; the registration fee rises in 2028 and 2031.