Ownership

What is the total cost of ownership of a BYD Atto 3 over 5 years?

Q: What is the total cost of ownership of a BYD Atto 3 over 5 years?

Roughly £30,000–34,000 including depreciation, insurance, servicing, tyres, charging and road tax over 5 years / 60,000 miles — about 40% less than a comparable ICE crossover, driven mainly by fuel savings.

Updated 2026-05-186 min read

Total cost of ownership (TCO) is the number that matters — not sticker price. Here's a realistic 5-year picture for a BYD Atto 3 in the UK.

The numbers

Purchase: £35,000. Residual after 5 years: ~£13,000.

Depreciation: £22,000.

Insurance: £750/yr × 5 = £3,750.

Servicing: £700 total.

Tyres: £600 (one set).

Charging (mostly home, 12,000 mi/yr): £850/yr × 5 = £4,250.

Road tax: £190/yr from 2025 × 5 = £950.

Total: ~£32,250.

Fig. 08 — 4-year TCO stack, fleet basis

Compared to a Volkswagen T-Roc 1.5 TSI

TCO ~£46,000 over the same period — driven by fuel (£1,500/yr) and depreciation.

Key takeaways

01~£32k over 5 years / 60k miles.
0240% cheaper than equivalent ICE crossover.
03Fuel savings are the biggest single line.

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The numbers

Compared to a Volkswagen T-Roc 1.5 TSI

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