Ford F-150 Lightning Pro vs Rivian R1T Dual-Motor: 5-year cost to own in the U.S.
As of August 6, 2026, over 5 years (U.S. average, 12,000 mi/yr), the Ford F-150 Lightning Pro is cheaper from day one — about $67,218 over 5 years vs $79,543 for the Rivian R1T Dual-Motor, a $12,325 difference. The expired federal $7,500 EV credit is not applied to either total.
Cheaper to own over 5 yearsFord F-150 Lightning Pro · $67,218 total · $12,325 less than the Rivian R1T Dual-Motor
Ford F-150 Lightning Pro vs Rivian R1T Dual-Motor — where the money goes
| Cost component | Electric · Ford F-150 Lightning Pro | Electric · Rivian R1T Dual-Motor |
|---|---|---|
| Depreciation (estimated) | $31,225 (46%) | $40,542 (51%) |
| Charging / fuel | $7,845 (12%) | $8,009 (10%) |
| ↳ of which charging loss | 12% (~$941) | 12% (~$961) |
| Maintenance | $3,660 (5%) | $3,660 (5%) |
| Insurance | $13,750 (20%) | $13,750 (17%) |
| Financing interest | $9,738 (14%) | $12,582 (16%) |
| Registration & fees | $1,000 (1%) | $1,000 (1%) |
| Total cost of ownership | $67,218 | $79,543 |
The charging-loss row is the ~10–15% of electricity lost to AC charging that you pay for but never reaches the battery — we include it; most calculators don't.
When does the Ford F-150 Lightning Pro win?
At 12,000 mi/yr the Ford F-150 Lightning Pro is already the cheaper car — drive more or keep it longer and its lead only grows.
Over 5 years the Ford F-150 Lightning Pro undercuts the Rivian R1T Dual-Motor by $12,325 — about 15% of the Rivian R1T Dual-Motor's total. That margin is a verdict, not a rounding artifact.
What decides the Ford F-150 Lightning Pro vs Rivian R1T Dual-Motor verdict
The single biggest mover is depreciation: $31,225 on the Ford F-150 Lightning Pro against $40,542 on the Rivian R1T Dual-Motor, a $9,317 gap in the Ford F-150 Lightning Pro's favor — the largest slice of the $12,325 verdict. On the Ford F-150 Lightning Pro, depreciation alone is 46% of its $67,218 total; on the Rivian R1T Dual-Motor it is 51% of $79,543.
- Financing interest: Ford F-150 Lightning Pro $9,738, Rivian R1T Dual-Motor $12,582 — $2,844 more in the Ford F-150 Lightning Pro's favor.
- Energy: $7,845 of charging for the Ford F-150 Lightning Pro vs $8,009 of charging for the Rivian R1T Dual-Motor — $164 more in the Ford F-150 Lightning Pro's favor.
Not one major line falls the Rivian R1T Dual-Motor's way — every row of the table above the $159 noise floor lands in the Ford F-150 Lightning Pro's favor. At the dealer the Rivian R1T Dual-Motor starts $15,120 behind the Ford F-150 Lightning Pro; running costs claw back $2,795 of that, but the Ford F-150 Lightning Pro still ends $12,325 ahead. The Ford F-150 Lightning Pro is ahead from the first year — $4,766 after year 1 — and finishes year 5 with the full $12,325 lead; the cumulative lines never cross.
Ford F-150 Lightning Pro vs Rivian R1T Dual-Motor, side by side
Ford F-150 Lightning Pro
- 5-yr total cost
- $67,218
- Cost / month
- $1,120
- Cost / mile
- $1.12
- MSRP
- $54,780
- Powertrain
- Electric
- Efficiency
- 48 kWh/100mi
Rivian R1T Dual-Motor
- 5-yr total cost
- $79,543
- Cost / month
- $1,326
- Cost / mile
- $1.33
- MSRP
- $69,900
- Powertrain
- Electric
- Efficiency
- 49 kWh/100mi
- Electricity (US avg)
- 18.4¢/kWh EIA
- Gas price (US avg)
- $3.85/gal AAA
Full cost breakdowns
Ford F-150 Lightning Pro vs Rivian R1T Dual-Motor by state
No state's electricity or gas prices flip this verdict at default assumptions — the Ford F-150 Lightning Pro is the cheaper car in all 51 states we track.