The value sweet spot of the cohort: most of the new Model Y's utility — frunk, 854 L cargo, AWD, Supercharger access — at a steep depreciation discount, with battery/drive warranty still running.
10-Year Cost Breakdown
On-road purchase price
$49,980
10yr Fuel / Energy
+ $3,300
10yr Maintenance
+ $12,000
10yr Insurance (est.)
+ $23,300
10yr Residual value (credit)
− $15,000
Net 10-year TCO
$73,580
All values CAD, NPV at 5.5% nominal discount (3.0% real + 2.5% CPI). Apr 2026 base rates: gas $1.79/L (+3.5%/yr), home electricity 11.72 ¢/kWh (+4.5%/yr blended), DCFC $0.40/kWh (+3.5%/yr). Insurance: ICBC Territory L, class 003, CDF 0.686. Residual: Canadian Black Book projections.