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Toyota Camry Costs

Toyota Camry Costs of Ownership
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The average cost of owning a Toyota Camry for 5 years is $26,810. This total will vary per vehicle, driver and location. These ownership expenses include:

The interactive chart below illustrates the relative proportion of each of the major costs of ownership. Click on any of the expenses boxes to see more detail.

Toyota Camry CarEdge Value Rating


This grade is our unbiased, trusted and candid financial assessment of whether the Toyota Camry is likely to be a good or bad automobile investment. Learn more about our Value Ratings and methodolgy.

Toyota Camry Depreciation

A Toyota Camry will depreciate in value by $8,461 after 5 years. Depreciation is difficult to avoid, but it can be managed. Depreciation is the difference between the original sales price, and what the vehicle will be worth in the future. We use 5 years as an example in our analysis.

When new, a typically-equipped Toyota Camry sells for $34,935 on average. After 5 years of depreciation, the average residual value will be $26,474. This represents the vehicle's retail market price. Trade-in and private sale prices will likely be lower. Use our Toyota Camry Depreciation Calculator to see how model year and mileage will affect your resale value.

Toyota Camry Depreciation Calculator

Current Vehicle Age
Current Price
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Annual Miles

Toyota Camry Insurance

The average annual cost for auto insurance for a Toyota Camry is $1,474, which adds up to $7,370 after 5 years of ownership. These insurance costs are estimates based on national averages for a 40 year old, with full coverage, a good driving record, and good credit. They also assume a single-car policy, and won't reflect any multi-car discounts. See our Toyota Camry Insurance Tool to view rates by state, for different driver ages, credit ratings and driving history.

Toyota Camry insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Toyota Camry Maintenance

Maintenance and repair costs for a Toyota Camry will amount to $1,168 after 5 years. Expenses include scheduled maintenance, normal wear and tear items and expected repairs. These estimates exclude any free warranty work performed.

The region you live, and the way you care for and drive your vehicle can have a big impact on these costs. So, your results may vary significantly from our estimates. Our Toyota Camry Maintenance Cost Estimator shows how much you are likely to spend, and the probabilities of a major repair over 10 years.

Toyota Camry Financing Costs

The average cost to finance a new Toyota Camry would be $4,091 after 5 years. This assumes a 72-month loan with an APR of 4.75% and a 20% down payment. Financing costs are a vehicle cost that you can control. Your interest expense can be greatly reduced by changing your loan term, improving your credit score, or increasing your down payment.

Our Toyota Camry Loan Calculator allows you to build a loan that's best suited for you. This handy utility will also help to keep you from becoming upside down, where you end up owing more than the vehicle is worth. You can estimate monthly payments and download the full amortization schedule as well. We've highlighted some typical loan scenarios in the table below. See what a difference a larger down payment will make in lowering your financing costs and your monthly payments.

Toyota Camry Loans

Condition Term Down Payment
New 72 Month 0% Down 20% Down
New 60 Month 0% Down 20% Down
Used 48 Month 0% Down 20% Down
Used 36 Month 0% Down 20% Down

Toyota Camry Fuel Economy

A Toyota Camry gets an average of 33 MPG, which will cost a total of $5,720 for fuel after 5 years, or about $1,144 annually. These estimates are based on recently collected national average fuel prices, assuming 12,000 miles driven per year - 55% city and 45% highway. These figures also reflect current EPA estimates. Fuel costs will vary based on your driving style, fuel prices in your area, and the engine that will be in your vehicle. We used the Toyota Camry models and engines below for our estimates:

Toyota Camry MPG

Model Powertrain MPG (combined) City Hwy
CAMRY 6cyl, 3.5L, Auto(S8) 26 22 33
CAMRY 4cyl, 2.5L, Auto(S8) 34 29 41
CAMRY AWD LE/SE 4cyl, 2.5L, Auto(S8) 29 25 34
CAMRY AWD XLE/XSE 4cyl, 2.5L, Auto(S8) 28 25 34
CAMRY HYBRID LE 4cyl, 2.5L, Auto(AV-S6) 52 51 53
CAMRY HYBRID XLE/SE 4cyl, 2.5L, Auto(AV-S6) 46 44 47
CAMRY LE/SE 4cyl, 2.5L, Auto(S8) 32 28 39
CAMRY TRD 6cyl, 3.5L, Auto(S8) 25 22 31
CAMRY XLE/XSE 4cyl, 2.5L, Auto(S8) 31 27 38
CAMRY XSE 6cyl, 3.5L, Auto(S8) 26 22 32

Toyota Camry Video Review