Ayvens Car Cost Index 2026

The Ayvens Car Cost Index analysis reveals a significant shift in the European mobility market: electric vehicles are increasingly the most cost‑effective leasing option across multiple countries and vehicle segments.

Finland ranks in the mid‑range in terms of costs: clearly more affordable than Sweden, but more expensive than Portugal and Belgium. While electric vehicles have higher depreciation, they benefit from significantly lower energy and operating costs compared to petrol and diesel cars. Although the purchase price of an electric vehicle may still seem high, over a four‑year period an EV is a viable alternative to petrol or diesel vehicles in many segments. This is especially relevant for company cars, where total cost of ownership (TCO) plays a decisive role.

In Finland, the TCO of electric vehicles is particularly competitive in the mid‑size segment of the analysis, where EVs are also the most cost‑effective choice in several other countries.

• In Finland, the monthly TCO in the smallest car segment of the analysis is 773€ for an electric car and 806€ for a petrol car.
• In the mid‑size segment, an electric car costs an average of 956€ per month, compared to 988€ for a petrol car and 972€ for a plug‑in hybrid.
• In the largest segment of the analysis, the average monthly TCO is 1,014€ for an electric car, 1,120€ for a petrol car, 1,339€ for a diesel car, and 1,088€ for a plug‑in hybrid.

To ensure a fair and reliable comparison, the figures are based on four‑year full‑service leasing for corporate customers, with an annual mileage of 30,000 km. The analysis is based on Ayvens’ Q4 2025 leasing offers, and the average monthly costs include all key components of total cost of ownership (TCO): depreciation, interest, repairs, maintenance, tyres, energy/fuel, taxes (excluding VAT), and comprehensive insurance.

TCO (Total Cost of Ownership) refers to the total cost of owning and using a product or service over its entire lifecycle. In the context of cars, TCO includes, for example:

• purchase price or leasing payments
• depreciation
• servicing and repairs
• insurance
• taxes
• energy or fuel costs

TCO therefore provides a much more accurate picture of a car’s real costs than the purchase price or monthly payment alone. For this reason, it is widely used by companies when assessing the cost efficiency of different powertrains and vehicle models.

A monthly leasing fee alone does not tell the whole story. When energy/fuel, insurance and taxes are included, an electric vehicle with a higher purchase price often turns out to be the more cost‑effective option over a four‑year period.

With the expertise of a leasing partner, it is possible to identify cost structures where companies are paying more than necessary. A well‑designed car policy ensures efficient fleet usage, controlled risks, and manageable overall costs.

Ayvens acts as a strategic mobility partner for companies, supporting decision‑making through data, practical experience, and best international practices.

The expertise of a leasing partner is particularly valuable when a company wants to update its car policy to reflect changes in the market, taxation, technologies and modern working life. Ayvens can provide comprehensive insight into vehicle acquisition and operating costs and assess, for example, the impact of electrification on total cost of ownership (TCO).

A modern car policy takes into account a company’s environmental, HR, safety and sustainability goals. Ayvens helps companies plan a gradual or rapid transition to low‑emission vehicles and ensures that charging solutions support employees’ everyday needs as well.