Electric vs petrol: what does owning a car in the Netherlands really cost?
As of 1 July 2026: of the 39 models we track in the Netherlands, the cheapest car to own over 5 years is the Kia Picanto 1.0 at €27,654 — petrol. The cheapest electric car, the MG4 Standard (51 kWh) (€37,169), costs about €9,515 more — we say plainly when the petrol or hybrid car wins.
What an electric car really costs to own in the Netherlands — versus petrol and diesel: depreciation, charging at 0.28 €/kWh, maintenance, insurance, road tax and financing. Every figure with its source and date.
Example comparison — change the vehicles belowOver 5 years, the Kia Picanto 1.0 (petrol car) is the cheapest at €27,654 — about €15,557 less than the Tesla Model 3 Standard (€461/mo, €0.50/km).
Total cost of ownership, cheapest first
Tesla Model 3 Standard (RWD)
Tesla Model Y Standard (RWD)
Cumulative cost over time
Total spend by year — purchase, charging/fuel, depreciation, insurance and financing combined. Where two lines cross is your break-even point.
Tesla Model Y Standard never beats Kia Picanto 1.0 within 5 yrs · Tesla Model 3 Standard never beats Kia Picanto 1.0 within 5 yrs
Where the money goes (full breakdown)
| Cost component | Electric · Tesla Model Y Standard | Gas · Kia Picanto 1.0 | Electric · Tesla Model 3 Standard |
|---|---|---|---|
| Depreciation (estimated) | €30,972 (65%) | €11,830 (43%) | €27,950 (65%) |
| Charging / fuel | €3,413 (7%) | €6,564 (24%) | €3,071 (7%) |
| ↳ of which charging loss | 12% (~€410) | — | 12% (~€369) |
| Maintenance | €1,898 (4%) | €3,102 (11%) | €1,898 (4%) |
| Insurance | €3,900 (8%) | €3,300 (12%) | €3,900 (9%) |
| Financing interest | €7,145 (15%) | €2,859 (10%) | €6,393 (15%) |
| Registration & taxes | €0 (0%) | €0 (0%) | €0 (0%) |
| Total cost of ownership | €47,327 | €27,654 | €43,211 |
Reference data for the Netherlands
- Electricity price
- 0.28 €/kWhCBS · 1 July 2026
- Fuel price
- 2.21 €/lCBS
- Charging loss
- 12 %EPA / SAE J1634
- Maintenance
- Electric €380 · Petrol €620est.
- Insurance
- Electric €780 · Petrol €660est.
Model prices vs the true 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.
Head-to-head comparison
Costs by model
Electric
Plug-in hybrid
Hybrid
SEPP purchase subsidy (wound down): the Subsidie Elektrische Personenauto's Particulieren (SEPP — the national purchase subsidy for private buyers) gave private buyers up to €2,950 on a new and €2,000 on a used electric car. The budget is exhausted and there is no national purchase subsidy any more for new applications. Some provinces or municipalities still run a scheme of their own, but not every buyer qualifies — which is why we list this separately and do not count it in the totals above. Source: RVO / Rijksoverheid (national government), as of . Check availability and budget yourself before you buy.
Bijtelling (company-car benefit tax, business drivers): if you drive a company car privately, a fully electric car gets a reduced bijtelling rate of 17% in 2026 on the first €30,000 of list price and 22% on the remainder; petrol and diesel cars pay 22% on the full value. This is not a cash subsidy but a lower tax on your salary, and it applies only to business drivers. The discount is phased out step by step from 2026. We show it separately and apply it only to the electric car — not to the petrol car. Source: Belastingdienst (Dutch tax authority), as of .
Road tax (motorrijtuigenbelasting, mrb): electric cars get a quarter rate in 2026 — you pay just 25% of the mrb, despite the extra weight of the battery pack; from 2026 this discount is being phased out. It is not a cash subsidy but a tax you don't pay: a petrol car easily costs €600–1,000 a year in mrb — and the electric car saves part of exactly that difference. Plug-in hybrids pay a half rate. Basis: Belastingdienst / mrb rates, as of .
Purchase tax bpm (for clarity): electric cars were exempt from bpm (the Dutch vehicle purchase tax) for years, but since 1 January 2025 EVs also pay bpm based on weight. The old full exemption no longer exists. If you still read that an EV is ‘bpm-free’: that is no longer true for new cars. We mention this here for clarity only and do not count any separate bpm discount in the totals.
FAQ
Is an electric car cheaper to own than a petrol car in the Netherlands?
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Estimates for planning, not financial advice. Depreciation, insurance and maintenance are dated estimates for the the Netherlands market. How we calculate →
Official Dutch BPM depreciation schedule
The Netherlands publishes an official BPM depreciation table (the Belastingdienst forfaitaire afschrijvingstabel) — a fiscal figure for import tax, not a market resale price. See the verbatim schedule and how it differs from the market depreciation in our 5-year totals. The official BPM depreciation schedule →