Truck comparison
Rivian R1T vs BMW X5
Which costs less to own over 5 years? Compare purchase price, fuel, maintenance, insurance, and depreciation — then customize with your own numbers.
Rivian R1T vs BMW X5: Quick Verdict
Based on average driving (12,000 miles/year), the Rivian R1T saves approximately $2,764 over 5 years compared to the BMW X5. Lower charging costs and reduced maintenance offset the EV's higher purchase price.
Rivian R1T
$81,885
purchase price
BMW X5
$73,550
purchase price
EV saves
$2,764
over 5 years
Customize your mileage, gas price, and electricity rate below to get a personalized comparison.
Your Numbers
Adjust the inputs to match your situation. Results update instantly.
Average American drives ~13,500 miles/year
Charge at home overnight — cheapest option
Enter what you actually pay to charge. On a time-of-use or EV plan (cheap overnight rates) or with solar, your rate may be well below the state average, e.g. 8¢ overnight vs 12¢ standard.
Too Close to Call
EV saves you
$2,764
over 5 years
EV saves per month
$146
fuel + maintenance + insurance
Operating cost payback
3.5 years
within ownership
The difference between the Rivian R1T and BMW X5 is small — only $2,764 over 5 years.
These vehicles are in different classes. The comparison is still valid but keep the size/class difference in mind.
EV saves you
$2,764
over 5 years (all-in)
EV saves per month
$146
fuel + maintenance + insurance
Operating cost payback
3.5 years
achievable within ownership
Vehicles compared
Rivian R1T vs BMW X5
Truck
Full Cost Breakdown
| Rivian R1TPremium Dual-Motor AWDBestElectric | BMW X540 xDriveGas | |
|---|---|---|
| Purchase Price | $81,885 | $73,550 |
| Monthly Fuel | $51 | $135 |
| Annual Fuel | $616 | $1,615 |
| Total Fuel | $3,081 | $8,077 |
| Total Maintenance | $3,250 | $7,000 |
| Total Insurance | $12,500 | $12,500 |
| Resale Value | $36,848 | $34,495 |
| Total Cost of Ownership | $63,868 | $66,632 |
Rivian R1T
Premium Dual-Motor AWD
Electric
BMW X5
40 xDrive
Gas
Cost Over 5 Years
Why This Result
At your inputs, neither option has a decisive cost advantage. Small changes in gas prices, electricity rates, or driving habits could tip the balance either way.
Fuel vs Charging
Charging the Rivian R1T costs about $616/year vs $1615/year for gas in the BMW X5. That's $999/year in fuel savings alone.
Your electricity rate matters
Home charging is the EV's biggest lever. Every 1¢/kWh lower saves about $47/year ($237 over 5 years) for the Rivian R1T. Charging from rooftop solar can lower it further. Enter your actual overnight or solar rate above to see your own numbers.
Maintenance
EVs have fewer moving parts — no oil changes, less brake wear, no transmission fluid. The Rivian R1T saves roughly $3750 in maintenance over the ownership period.
Depreciation & Resale
The BMW X5 holds 47% of its value vs 45% for the Rivian R1T. Purchase price and resale value are often the largest factors in total cost of ownership.
Insurance
EV insurance tends to run higher due to specialized repair costs. We've included $2,500/year for the Rivian R1T vs $2,500/year for the BMW X5 in the total comparison.
Share Your Result
Let others see how the numbers compare.
EV vs Gas is a close call for me — only $2,764 difference over 5 years. Check yours → isevworthit.com
About the Rivian R1T
The Rivian R1T is a fully electric truck with an efficiency of 0.395 kWh per mile. Priced at $81,885, it costs around $650/year to maintain and $2,500/year to insure.
About the BMW X5
The BMW X5 is a gas-powered truck achieving 26 MPG. Priced at $73,550, it costs around $1,400/year to maintain and $2,500/year to insure. Note that these vehicles are in different classes — keep size and use-case differences in mind.
How We Calculate Total Cost
Total cost of ownership includes purchase price, fuel or charging costs over your ownership period, annual maintenance, annual insurance, minus estimated resale value based on depreciation. This gives you the true all-in cost of each vehicle — not just the sticker price.