Toyota Camry · Cost of Ownership
Toyota Camry Costs
The average cost of owning a Toyota Camry for 5 years is $35,095. This total will vary per vehicle, driver, and location. These ownership expenses include:
Cost breakdown
5-Year Cost Breakdown
| Cost | Value | Percent |
|---|---|---|
| Depreciation | $11,360 | 32% |
| Fuel | $10,000 | 28% |
| Insurance | $6,700 | 19% |
| Interest | $4,735 | 13% |
| Maintenance | $2,300 | 7% |
Value rating
Toyota Camry CarMatch Value Rating
This grade is our unbiased financial assessment of whether the Toyota Camry 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
$11,36032% of 5-yr costDepreciation is the value the Toyota Camry sheds over five years — almost always the single largest cost of ownership. Models that hold their value shrink this number dramatically.
Insurance Premiums
$6,70019% of 5-yr costEstimated full-coverage insurance premiums for the Toyota Camry over five years. Your actual rate depends on driving record, location, and coverage level.
Maintenance & Repairs
$2,3007% of 5-yr costRoutine service, wear items, and out-of-warranty repairs for the Toyota Camry. EVs and simpler powertrains typically land at the low end here.
Loan Interest
$4,73513% of 5-yr costFinance charges on a typical 60-month loan for the Toyota Camry at current average APRs. A larger down payment or shorter term reduces this.
Fuel Costs
$10,00028% of 5-yr costEstimated fuel or charging cost to drive the Toyota Camry ~15,000 miles a year for five years, based on its powertrain and typical energy prices.