Electric or petrol: what does driving really cost in Belgium?
As of 1 July 2026: of the 39 models we track in Belgium, the Dacia Sandero TCe 90 at €25,725 is the cheapest to own over 5 years — petrol. The cheapest electric, the Citroen e-C3 (€30,795), costs about €5,070 more — we tell you honestly when the petrol or hybrid car wins.
What an electric car really costs to own in Belgium — versus petrol and diesel: depreciation, charging at 0.29 €/kWh, maintenance, insurance, registration and financing. Every figure with source and date. In Belgium, the average compulsory car-liability (RC) premium was €320 in 2024 excluding taxes, and the average comprehensive (casco) premium €502, per Assuralia — market averages, not a quote for this car. Our 5-year totals use our own labeled estimate.
Example comparison — change the vehicles belowOver 5 years, the Tesla Model 3 RWD (EV) is the cheapest at €44,175 — about €2,200 less than the BMW X1 sDrive18i (€736/mo, €0.59/km).
Total cost of ownership, cheapest first
BMW X1 sDrive18i (petrol)
Tesla Model Y RWD
Cumulative cost over time
Total spend by each year — purchase, charging/fuel, depreciation, insurance and financing combined. Where two lines cross is your break-even point.
Tesla Model Y RWD never beats Tesla Model 3 RWD within 5 yrs · BMW X1 sDrive18i never beats Tesla Model 3 RWD within 5 yrs
Where the money goes (full breakdown)
| Cost component | Electric · Tesla Model Y RWD | Gas · BMW X1 sDrive18i | Electric · Tesla Model 3 RWD |
|---|---|---|---|
| Depreciation (estimated) | €30,482 (61%) | €23,576 (51%) | €26,492 (60%) |
| Charging / fuel | €5,623 (11%) | €9,282 (20%) | €4,980 (11%) |
| ↳ of which charging loss | 12% (~€675) | — | 12% (~€598) |
| Maintenance | €1,500 (3%) | €2,753 (6%) | €1,500 (3%) |
| Insurance | €4,250 (9%) | €3,750 (8%) | €4,250 (10%) |
| Financing interest | €8,085 (16%) | €7,015 (15%) | €6,953 (16%) |
| Registration & taxes | €0 (0%) | €0 (0%) | €0 (0%) |
| Total cost of ownership | €49,940 | €46,375 | €44,175 |
Reference data for Belgium
- Electricity price
- 0.29 €/kWhCREG · 1 July 2026
- Fuel price
- 1.77 €/lFOD Economie
- Charging loss
- 12 %EPA / SAE J1634
- Maintenance
- Electric €300 · Petrol €551est.
- Insurance
- Electric €850 · Petrol €750est.
Model prices versus the 5-year cost
Every model we cost, cheapest to own first — tap a column to sort by price or true 5-year cost, or filter by type.
| Type | ||||
|---|---|---|---|---|
| Dacia Sandero TCe 90 (petrol) | Petrol | €15,990 | €25,725 | €429 |
| Citroen C3 PureTech 100 (petrol) | Petrol | €18,990 | €28,045 | €467 |
| Renault Clio TCe 90 (petrol) | Petrol | €19,500 | €28,173 | €470 |
| Peugeot 208 PureTech 100 (petrol) | Petrol | €22,365 | €29,991 | €500 |
| Citroen e-C3 | Electric | €23,300 | €30,795 | €513 |
| Toyota Yaris Hybrid 116 | Hybrid | €27,600 | €31,449 | €524 |
| Peugeot 2008 PureTech 100 (petrol) | Petrol | €26,650 | €34,232 | €571 |
| Renault 5 E-Tech 52kWh 150hp | Electric | €27,900 | €34,387 | €573 |
| Toyota Yaris Cross Hybrid 116 | Hybrid | €31,474 | €34,500 | €575 |
| MG4 Standard | Electric | €29,990 | €36,487 | €608 |
| Volkswagen T-Roc 1.5 eTSI 85 kW | Petrol | €30,570 | €38,190 | €637 |
| MINI Cooper SE | Electric | €34,750 | €39,284 | €655 |
| Skoda Elroq 85 | Electric | €33,990 | €39,890 | €665 |
| Audi A3 Sportback 35 TFSI (Attraction) | Petrol | €34,950 | €40,250 | €671 |
| Kia EV3 Long Range | Electric | €36,995 | €42,447 | €707 |
| Lexus UX 250h (Base) | Hybrid | €42,590 | €43,289 | €721 |
| Tesla Model 3 RWD | Electric | €39,970 | €44,175 | €736 |
| Hyundai Kona Electric 65kWh | Electric | €39,995 | €45,000 | €750 |
| Volkswagen ID.4 Pro | Electric | €39,990 | €45,156 | €753 |
| Volvo XC40 B3 (Essential) | Petrol | €39,950 | €45,574 | €760 |
| Volvo EX30 Single Motor ER | Electric | €40,590 | €45,828 | €764 |
| BMW X1 sDrive18i (petrol) | Petrol | €40,300 | €46,375 | €773 |
| Tesla Model Y RWD | Electric | €45,990 | €49,940 | €832 |
| Cupra Formentor 1.5 e-Hybrid VZ | Plug-in hybrid | €47,000 | €51,494 | €858 |
| BMW iX1 eDrive20 | Electric | €48,316 | €52,241 | €871 |
| BMW X1 xDrive25e (PHEV) | Plug-in hybrid | €48,500 | €52,909 | €882 |
| BMW 320i Berline | Petrol | €49,700 | €53,111 | €885 |
| Polestar 2 Long Range Single Motor | Electric | €52,690 | €55,159 | €919 |
| Audi Q4 e-tron 45 | Electric | €52,500 | €55,801 | €930 |
| Volvo XC60 B5 AWD (Plus Black Edition) | Petrol | €52,100 | €56,161 | €936 |
| Mercedes EQB 250+ | Electric | €55,055 | €57,975 | €966 |
| BMW X3 20 xDrive | Petrol | €57,500 | €59,539 | €992 |
| Skoda Enyaq 85 Selection | Electric | €58,180 | €59,541 | €992 |
| BMW i4 eDrive35 | Electric | €59,000 | €60,143 | €1,002 |
| Mercedes-Benz GLC 200 4MATIC (Business Line) | Petrol | €58,080 | €60,650 | €1,011 |
| Volkswagen ID.7 Pro | Electric | €61,165 | €61,760 | €1,029 |
| Audi Q6 e-tron 83 kWh (Sport) | Electric | €70,900 | €71,135 | €1,186 |
Head-to-head
Cost by model
Electric
Plug-in hybrid
Purchase incentive for private buyers: Belgium has no federal purchase incentive for a new electric car, and the regional premiums for private buyers have largely been phased out or ended. In Flanders, the former zero-emissiepremie (zero-emission premium) for private buyers has been discontinued. In Brussels and Wallonia, at most limited or specific schemes exist, often only for companies, the self-employed, or when scrapping an old car. Not every buyer qualifies — so we show this separately and do not count it in the total costs above. Source: Flanders / Brussels / Wallonia, as of . Check your eligibility and the amount before you buy.
Tax and annual costs: in Belgium there is no recurring annual premium to deduct for an electric car — the advantage of electric sits mainly in the running cost (charging, maintenance). In Flanders, electric cars are exempt from the registration tax (belasting op inverkeerstelling, BIV) and the annual road tax; in Brussels and Wallonia, the normal rates apply (often the lowest fiscal minimum). The tax deductibility of company cars is also being phased out: if you rely on outdated information, those amounts may no longer be right. Running-cost savings are applied directly to the running cost — never as a cash premium. As of .
FAQ
Is an electric car cheaper to own than a petrol car in Belgium?
Which electric car is cheapest to own in Belgium?
What do electricity and fuel cost in Belgium right now?
What does the total cost over 5 years include?
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Estimates for guidance, not financial advice. Depreciation, insurance and maintenance are dated estimates for the Belgium market. How we calculate →
Official Belgian fiscal depreciation schedule
Belgium publishes an official fiscal depreciation coefficient for company cars (VAA / ATN) — a tax fiction for benefit-in-kind, not a resale value. See the verbatim age coefficient and how it differs from the market depreciation in our 5-year totals. The official VAA depreciation schedule →