Toyota Tacoma · Cost of Ownership
Toyota Tacoma Costs
The average cost of owning a Toyota Tacoma for 5 years is $37,983. This total will vary per vehicle, driver, and location. These ownership expenses include:
Cost breakdown
5-Year Cost Breakdown
| Cost | Value | Percent |
|---|---|---|
| Depreciation | $13,143 | 35% |
| Fuel | $9,300 | 24% |
| Insurance | $8,670 | 23% |
| Interest | $4,565 | 12% |
| Maintenance | $2,305 | 6% |
Value rating
Toyota Tacoma CarMatch Value Rating
This grade is our unbiased financial assessment of whether the Toyota Tacoma 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
$13,14335% of 5-yr costDepreciation is the value the Toyota Tacoma sheds over five years — almost always the single largest cost of ownership. Models that hold their value shrink this number dramatically.
Insurance Premiums
$8,67023% of 5-yr costEstimated full-coverage insurance premiums for the Toyota Tacoma over five years. Your actual rate depends on driving record, location, and coverage level.
Maintenance & Repairs
$2,3056% of 5-yr costRoutine service, wear items, and out-of-warranty repairs for the Toyota Tacoma. EVs and simpler powertrains typically land at the low end here.
Loan Interest
$4,56512% of 5-yr costFinance charges on a typical 60-month loan for the Toyota Tacoma at current average APRs. A larger down payment or shorter term reduces this.
Fuel Costs
$9,30024% of 5-yr costEstimated fuel or charging cost to drive the Toyota Tacoma ~15,000 miles a year for five years, based on its powertrain and typical energy prices.