What an EV really costs in Arizona — any EV, any hybrid, any gas car
As of August 2026: of the 85 models we price, the cheapest to own over 5 years in Arizona is the Toyota Prius LE at $34,517 — a hybrid. The cheapest electric, the Chevrolet Bolt EUV (used) ($43,408), runs about $8,891 more — we say it plainly when the gas or hybrid car wins.
Charging mostly at home, an EV usually costs about half as much per mile to run as a comparable gas car — but higher depreciation and insurance can erase that, and the federal $7,500 credit is gone (). The cheaper car depends on the exact vehicles, your mileage, and your local rates. Compare any below — every assumption shown and dated.
No referral fees. No manufacturer commissions. We tell you when gas wins.
The numbers behind every EV-vs-gas estimate
- Electricity, Arizona
- 15.2¢/kWhEIA · 2026-05
- Gasoline, Arizona
- $4.04/galAAA
- Charging loss (modeled)
- 12%EPA / SAE J1634
- Maintenance ($/mi)
- EV $0.06 vs gas $0.10AAA (est.)
- Insurance ($/yr, avg)
- EV $2,750 vs gas $2,200industry (est.)
- Federal EV purchase credit (2026)
- $0 — expired Sept 30, 2025IRS / OBBBA
Example comparison — change the vehicles belowOver 5 years, the Honda Civic LX (gas car) is the cheapest at $35,747 — about $12,632 less than the Chevrolet Equinox EV LT ($596/mo, $0.60/mi).
Total cost of ownership, cheapest first
Chevrolet Equinox EV LT
Tesla Model 3 Premium RWD
Lowest 5-year cost: Honda Civic LX (gas) at $35,747, $596 per month. Chevrolet Equinox EV LT $48,379; Tesla Model 3 Premium $52,896.
Cumulative cost over time
This shows your total spend by each year — purchase, charging/fuel, depreciation, insurance and financing combined. Where two lines cross is your payback point.
Tesla Model 3 Premium never beats Honda Civic LX within 5 yrs · Chevrolet Equinox EV LT never beats Honda Civic LX within 5 yrs
Where the money goes (full breakdown)
| Cost component | Electric · Tesla Model 3 Premium | Gas · Honda Civic LX | Electric · Chevrolet Equinox EV LT |
|---|---|---|---|
| Depreciation (estimated) | $24,644 (47%) | $9,144 (26%) | $20,997 (43%) |
| Charging / fuel | $3,375 (6%) | $6,730 (19%) | $3,915 (8%) |
| ↳ of which charging loss | 12% (~$405) | — | 12% (~$470) |
| Maintenance | $3,660 (7%) | $4,620 (13%) | $3,660 (8%) |
| Insurance | $13,750 (26%) | $11,000 (31%) | $13,750 (28%) |
| Financing interest | $7,427 (14%) | $4,213 (12%) | $6,017 (12%) |
| Registration & fees | $40 (0%) | $40 (0%) | $40 (0%) |
| Total cost of ownership | $52,896 | $35,747 | $48,379 |
The charging-loss row is the ~10–15% of electricity lost to AC charging that you pay for but never reaches the battery — most calculators silently omit it, which makes EVs look cheaper than they are. We include it.
Incentives (as of 2026-08-06)
- Federal EV purchase credit ($7,500 new / $4,000 used) — EXPIRED Sept 30, 2025. Ended under the One Big Beautiful Bill Act — not available; never in our headline cost.
- Home charger credit (30C) — EXPIRED June 30, 2026. Was 30% of a home-charger install up to $1,000 (IRS Form 8911) — terminated for property placed in service after June 30, 2026 under the One Big Beautiful Bill Act.
- New-vehicle auto-loan interest deduction — ACTIVE 2025–2028. Deduct interest on a new US-assembled vehicle loan, up to $10k/yr (income-limited).
- State & utility incentives — VARIES. Layered per location with a dated source — arriving with the state data packs.
Why trust this
- Unbiased. No referral fees, no manufacturer commissions, no utility-territory lock.
- Current. Live EIA electricity rates; every number sourced and dated.
- Honest. We model charging loss and show you when gas is the better buy.
- Full methodology & sources →
We take no manufacturer commissions, no utility-territory deals, and no referral fees that affect the calculator. Any affiliate links are clearly disclosed and never change the math. The site currently carries no advertising. We show you when gas wins.
What is different about Arizona's numbers
Home electricity here is 15.2¢/kWh, 17.4% below the 18.4¢ U.S. average (EIA, 2026-05), and regular gas averages $4.04/gal, 5% above the national $3.85 (AAA). Arizona is one of 10 states charging no EV road-use fee, so an electric car here carries only the $8 base registration.
Run all 80 models that have their own cost page through the kernel at both rate sets and the average electric car's 5-year total in Arizona lands $1,900 below its U.S.-average figure, while the average gas or hybrid car lands $523 below its own. Net effect: Arizona narrows the gap an EV has to close by about $1,377. Head-to-head that comes out as EVs taking 14 of 55 matchups at Arizona rates against 14 nationally — we publish that whichever way it falls.
Ranked against the other 50 state rate sets by what the whole priced fleet costs to run, Arizona is 3rd cheapest for an electric car and 36th for a gas or hybrid one. Its residential rate has barely moved across the 24 months to 2026-04 (15.4¢ → 15.5¢/kWh), so an EV here costs about what it did two years ago.
Across the 37 matchups where an electric car faces a gas or hybrid one, the median EV costs $12,896 more over 5 years than the gas or hybrid car it is matched against at Arizona rates — against $13,751 more nationally. Arizona closes it by about $855. The EV that comes closest here is the Rivian R1S Dual-Motor (Standard Pack) against the Cadillac Escalade, $17,815 ahead; the furthest behind is the Kia EV9 Light Long Range RWD (electric) against the Toyota Grand Highlander Hybrid LE FWD, $24,214 adrift.
Running cost, Arizona prices: a Tesla Model 3 Premium RWD draws about $4.33 of electricity per 100 miles at home (charging loss included), against $13.46 of gas for a 30 mpg car. A gas car would need 93 mpg to match the EV's fuel bill here. That is the running-cost line only — depreciation and insurance are what usually decide the 5-year total, and they are why most of the matchups below still go to the gas or hybrid car.
Arizona EV incentive: none we can verify. Federal support ended too — the $7,500 new / $4,000 used credits expired Sept 30, 2025 — so nothing is discounted anywhere on this page.
Cheapest EVs to own in Arizona
Ranked by true 5-year cost of ownership at Arizona rates (12,000 mi/yr, all-in):
Arizona cost by model
Arizona is one of the six cheapest states in the country for 44 of the 80 models we price — Tesla Model 3 Premium RWD at $52,896, Tesla Model Y RWD at $55,671, Tesla Model Y Long Range AWD at $57,559 and 41 more. Sorted by 5-year cost to own at Arizona rates; the order is not the national order.
| Type | |||||
|---|---|---|---|---|---|
| Toyota Prius LE (hybrid) | Hybrid | $28,350 | $34,517 | $575 | $1,230 cheaper than the Honda Civic LX (gas) at Arizona rates |
| Toyota Corolla LE (gas) | Gas | $23,000 | $34,754 | $579 | $993 cheaper than the Honda Civic LX (gas) at Arizona rates |
| Honda Civic LX (gas) | Gas | $25,400 | $35,747 | $596 | $993 more than the Toyota Corolla LE (gas) at Arizona rates |
| Toyota Camry Hybrid LE | Hybrid | $29,000 | $37,455 | $624 | $1,708 more than the Honda Civic LX (gas) at Arizona rates |
| Toyota RAV4 Hybrid LE | Hybrid | $31,900 | $38,455 | $641 | $2,059 cheaper than the Toyota RAV4 LE (gas) at Arizona rates |
| Hyundai Kona SE (gas) | Gas | $25,600 | $38,653 | $644 | $1,861 cheaper than the Toyota RAV4 LE (gas) at Arizona rates |
| Honda Accord LX (gas) | Gas | $28,000 | $39,053 | $651 | $3,306 more than the Honda Civic LX (gas) at Arizona rates |
| Toyota RAV4 LE (gas) | Gas | $30,000 | $40,514 | $675 | $318 cheaper than the Honda CR-V LX (gas) at Arizona rates |
| Honda CR-V LX (gas) | Gas | $31,000 | $40,832 | $681 | $318 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Honda CR-V Hybrid Sport | Hybrid | $35,630 | $41,597 | $693 | $1,083 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Toyota RAV4 Plug-in Hybrid SE | Plug-in hybrid | $43,865 | $42,682 | $711 | $2,168 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Toyota Tacoma SR | Gas | $32,145 | $43,402 | $723 | $9,626 cheaper than the Ford F-150 XLT (gas) at Arizona rates |
| Chevrolet Bolt EUV (used) | Electric | $27,800 | $43,408 | $723 | $8,891 more than the Toyota Prius LE (hybrid) at Arizona rates |
| Nissan Leaf SV+ | Electric | $28,140 | $43,956 | $733 | $9,439 more than the Toyota Prius LE (hybrid) at Arizona rates |
| Toyota bZ XLE (electric) | Electric | $34,900 | $46,127 | $769 | $5,613 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Hyundai Ioniq 5 SE | Electric | $35,000 | $47,198 | $787 | $6,684 more than the Toyota RAV4 LE (gas) at Arizona rates |
| 2026 Fiat 500e | Electric | $35,700 | $47,891 | $798 | $12,144 more than the Honda Civic LX (gas) at Arizona rates |
| Chevrolet Equinox EV LT | Electric | $34,995 | $48,379 | $806 | $7,865 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Hyundai Kona Electric SEL (Long Range) | Electric | $36,875 | $49,049 | $817 | $8,535 more than the Toyota RAV4 LE (gas) at Arizona rates |
| 2026 Volvo EX30 Single motor extended range | Electric | $38,950 | $50,354 | $839 | $9,840 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Kia Niro EV Wind | Electric | $39,600 | $50,955 | $849 | $10,441 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Hyundai Ioniq 6 SE | Electric | $42,000 | $52,385 | $873 | $16,638 more than the Honda Civic LX (gas) at Arizona rates |
| Tesla Model 3 Premium RWD | Electric | $42,490 | $52,896 | $882 | $17,149 more than the Honda Civic LX (gas) at Arizona rates |
| Ford F-150 XLT (gas) | Gas | $42,000 | $53,028 | $884 | $989 more than the Ram 1500 Tradesman Quad Cab at Arizona rates |
| Ford Mustang Mach-E Select | Electric | $39,995 | $53,259 | $888 | $12,745 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Volkswagen ID.4 Pro | Electric | $39,735 | $53,584 | $893 | $13,070 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Nissan Ariya Engage | Electric | $39,590 | $53,728 | $895 | $13,214 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Kia EV6 Wind | Electric | $43,000 | $54,258 | $904 | $13,744 more than the Toyota RAV4 LE (gas) at Arizona rates |
| 2026 Chevrolet Blazer EV FWD | Electric | $44,995 | $55,356 | $923 | $14,842 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Tesla Model Y RWD | Electric | $44,990 | $55,671 | $928 | $15,157 more than the Toyota RAV4 LE (gas) at Arizona rates |
| 2026 Tesla Model 3 Premium AWD | Electric | $47,490 | $56,450 | $941 | $20,703 more than the Honda Civic LX (gas) at Arizona rates |
| Tesla Model Y Long Range AWD | Electric | $48,990 | $57,559 | $959 | $17,045 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Subaru Solterra Premium | Electric | $44,995 | $58,420 | $974 | $17,906 more than the Toyota RAV4 LE (gas) at Arizona rates |
| 2026 Audi Q4 45 e-tron | Electric | $50,900 | $59,440 | $991 | $18,926 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Honda Prologue EX | Electric | $47,400 | $59,982 | $1,000 | $19,468 more than the Toyota RAV4 LE (gas) at Arizona rates |
| 2026 Tesla Model 3 Performance | Electric | $54,490 | $62,189 | $1,036 | $26,442 more than the Honda Civic LX (gas) at Arizona rates |
| BMW i4 eDrive35 | Electric | $52,200 | $64,017 | $1,067 | $28,270 more than the Honda Civic LX (gas) at Arizona rates |
| Ford F-150 Lightning Pro | Electric | $54,780 | $64,893 | $1,082 | $11,865 more than the Ford F-150 XLT (gas) at Arizona rates |
| 2026 Hyundai Ioniq 9 RWD | Electric | $58,955 | $66,573 | $1,110 | $26,059 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Kia EV9 Light Long Range RWD (electric) | Electric | $57,900 | $69,266 | $1,154 | $28,752 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Cadillac Lyriq Luxury (electric) | Electric | $59,200 | $73,405 | $1,223 | $32,891 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Audi Q6 e-tron (base RWD, electric) | Electric | $65,095 | $74,193 | $1,237 | $60,617 cheaper than the Land Rover Range Rover P400 SE at Arizona rates |
| Rivian R1T Dual-Motor | Electric | $69,900 | $77,189 | $1,286 | $24,161 more than the Ford F-150 XLT (gas) at Arizona rates |
| Chevrolet Silverado EV LT Extended Range | Electric | $69,100 | $78,512 | $1,309 | $25,484 more than the Ford F-150 XLT (gas) at Arizona rates |
| Lucid Air Pure (electric) | Electric | $69,900 | $79,074 | $1,318 | $55,736 cheaper than the Land Rover Range Rover P400 SE at Arizona rates |
| 2026 Volvo EX90 Twin Motor | Electric | $79,995 | $82,819 | $1,380 | $42,305 more than the Toyota RAV4 LE (gas) at Arizona rates |
| Tesla Cybertruck AWD | Electric | $79,990 | $83,169 | $1,386 | $30,141 more than the Ford F-150 XLT (gas) at Arizona rates |
| Porsche Macan Electric (base RWD) | Electric | $75,300 | $87,443 | $1,457 | $47,367 cheaper than the Land Rover Range Rover P400 SE at Arizona rates |
| BMW i5 eDrive40 (electric) | Electric | $67,100 | $90,125 | $1,502 | $44,685 cheaper than the Land Rover Range Rover P400 SE at Arizona rates |
| Tesla Model S Long Range (electric) | Electric | $84,990 | $91,499 | $1,525 | $43,311 cheaper than the Land Rover Range Rover P400 SE at Arizona rates |
| Rivian R1S Dual-Motor (Standard Pack) | Electric | $76,990 | $94,777 | $1,580 | $40,033 cheaper than the Land Rover Range Rover P400 SE at Arizona rates |
| Mercedes-Benz EQE 350+ (electric) | Electric | $74,900 | $95,003 | $1,583 | $39,807 cheaper than the Land Rover Range Rover P400 SE at Arizona rates |
| Porsche Taycan (electric) | Electric | $99,400 | $105,470 | $1,758 | $29,340 cheaper than the Land Rover Range Rover P400 SE at Arizona rates |
| Audi e-tron GT quattro (electric) | Electric | $107,995 | $121,113 | $2,019 | $13,697 cheaper than the Land Rover Range Rover P400 SE at Arizona rates |
| Mercedes-Benz EQS 450+ (electric) | Electric | $104,400 | $130,890 | $2,182 | $3,920 cheaper than the Land Rover Range Rover P400 SE at Arizona rates |
| Land Rover Range Rover P400 SE | Gas | $113,300 | $134,810 | $2,247 | $39,327 more than the Porsche Cayenne at Arizona rates |
| BMW i7 xDrive60 (electric) | Electric | $124,200 | $147,693 | $2,462 | $12,883 more than the Land Rover Range Rover P400 SE at Arizona rates |
This is the Arizona-relevant slice of the fleet. The full 80-model table at U.S.-average rates is on every model — price vs 5-year cost.
Matchups that change hands in Arizona
None of them. All 55 head-to-head matchups come out the same way at Arizona rates as at the U.S. average — local prices move the totals here by $1,900 on an average EV, but never enough to change a winner. See every matchup →
Car insurance in Arizona
Drivers in Arizona spent an average of $1,344 a year on auto insurance — 4.9% above the $1,281 national average (NAIC, 2023, the latest published figure; a state average across all drivers, not a quote for any one car or driver, and premiums have moved since). Electric cars typically add about 42% on top of a comparable gas car, 18% for 2024-and-newer models (Insurify, June 2026, modeled at a standard driver profile).
Our 5-year totals use a labeled per-model estimate for each car, not this average — see how EV insurance moves the 5-year cost.
FAQ
Is an electric car cheaper to own than a gas car in Arizona?
Which EV is cheapest to own in Arizona?
What do electricity and gas cost in Arizona right now?
What does the 5-year total include?
How much does it cost to charge an EV in Arizona?
How much is car insurance in Arizona?
States whose numbers look like Arizona's
Closest matches on home electricity and pump price — the states where the same car lands nearest to its Arizona total — plus the cheapest and most expensive states in the country to run an EV: