Toyota 4Runner · Cost of Ownership
Toyota 4Runner Costs
The average cost of owning a Toyota 4Runner for 5 years is $62,576. This total will vary per vehicle, driver, and location. These ownership expenses include:
Cost breakdown
5-Year Cost Breakdown
| Cost | Value | Percent |
|---|---|---|
| Depreciation | $27,147 | 43% |
| Fuel | $12,250 | 20% |
| Insurance | $9,635 | 15% |
| Interest | $8,229 | 13% |
| Maintenance | $5,315 | 8% |
Value rating
Toyota 4Runner CarMatch Value Rating
This grade is our unbiased financial assessment of whether the Toyota 4Runner is likely to be a good or poor automotive investment, based on its 5-year cost to own relative to its price. Learn more about our Value Ratings.
Depreciation
$27,14743% of 5-yr costDepreciation is the value the Toyota 4Runner sheds over five years — almost always the single largest cost of ownership. Models that hold their value shrink this number dramatically.
Insurance Premiums
$9,63515% of 5-yr costEstimated full-coverage insurance premiums for the Toyota 4Runner over five years. Your actual rate depends on driving record, location, and coverage level.
Maintenance & Repairs
$5,3158% of 5-yr costRoutine service, wear items, and out-of-warranty repairs for the Toyota 4Runner. EVs and simpler powertrains typically land at the low end here.
Loan Interest
$8,22913% of 5-yr costFinance charges on a typical 60-month loan for the Toyota 4Runner at current average APRs. A larger down payment or shorter term reduces this.
Fuel Costs
$12,25020% of 5-yr costEstimated fuel or charging cost to drive the Toyota 4Runner ~15,000 miles a year for five years, based on its powertrain and typical energy prices.