2021 Toyota 4Runner Cost to Own

Total 5-Year Ownership Costs

4Runner SUV

TRD OFF-ROAD Premium 4dr SUV 4WD (4.0L 6cyl 5A)

True Cost to Own

$41,780*

Total Cash Price

$47,288

SR5 Premium 4dr SUV 4WD (4.0L 6cyl 5A)

True Cost to Own

$40,916*

Total Cash Price

$45,227

Limited 4dr SUV 4WD (4.0L 6cyl 5A)

True Cost to Own

$45,361*

Total Cash Price

$51,148

Nightshade Special Edition 4dr SUV 4WD (4.0L 6cyl 5A)

True Cost to Own

$45,298*

Total Cash Price

$52,507

SR5 4dr SUV 4WD (4.0L 6cyl 5A)

True Cost to Own

$41,212*

Total Cash Price

$42,479

TRD PRO 4dr SUV 4WD (4.0L 6cyl 5A)

True Cost to Own

$48,152*

Total Cash Price

$55,798

SR5 4dr SUV (4.0L 6cyl 5A)

True Cost to Own

$39,190*

Total Cash Price

$40,847

Limited 4dr SUV (4.0L 6cyl 5A)

True Cost to Own

$44,403*

Total Cash Price

$49,122

TRD OFF-ROAD 4dr SUV 4WD (4.0L 6cyl 5A)

True Cost to Own

$40,997*

Total Cash Price

$44,580

SR5 Premium 4dr SUV (4.0L 6cyl 5A)

True Cost to Own

$40,523*

Total Cash Price

$44,602

Venture Special Edition 4dr SUV 4WD (4.0L 6cyl 5A)

True Cost to Own

$43,452*

Total Cash Price

$48,545

Trail Special Edition 4dr SUV 4WD (4.0L 6cyl 5A)

True Cost to Own

$39,527*

Total Cash Price

$45,048

Nightshade Special Edition 4dr SUV (4.0L 6cyl 5A)

True Cost to Own

$43,526*

Total Cash Price

$50,309

Trail Special Edition 4dr SUV (4.0L 6cyl 5A)

True Cost to Own

$38,154*

Total Cash Price

$42,162

Ownership Costs: 5-Year Total

Depreciation

$9,459

Taxes & Fees

$2,122

Financing

$8,597

Fuel

$11,520

Insurance

$4,054

Repairs

$854

Maintenance

$5,174

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV TRD OFF-ROAD Premium 4dr SUV 4WD (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$756$782$810$838$868$4,054
Maintenance$43$479$442$2,103$2,107$5,174
Repairs$0$0$124$296$434$854
Taxes & Fees$1,938$46$46$46$46$2,122
Financing$2,941$2,375$1,767$1,110$404$8,597
Depreciation$4,038$1,322$1,248$1,464$1,387$9,459
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$11,886$7,239$6,739$8,228$7,688$41,780

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV SR5 Premium 4dr SUV 4WD (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$742$768$795$823$851$3,979
Maintenance$43$479$442$2,103$2,107$5,174
Repairs$0$0$124$296$434$854
Taxes & Fees$1,856$46$46$46$46$2,040
Financing$2,813$2,272$1,689$1,062$386$8,222
Depreciation$3,931$1,266$1,195$1,405$1,330$9,127
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$11,555$7,066$6,593$8,106$7,596$40,916

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV Limited 4dr SUV 4WD (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$748$774$801$829$858$4,010
Maintenance$43$479$442$2,171$2,174$5,309
Repairs$0$0$124$296$434$854
Taxes & Fees$2,092$46$46$46$46$2,276
Financing$3,181$2,569$1,911$1,201$436$9,298
Depreciation$4,366$1,881$1,781$2,088$1,978$12,094
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$12,600$7,984$7,407$9,002$8,368$45,361

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV Nightshade Special Edition 4dr SUV 4WD (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$748$774$801$829$858$4,010
Maintenance$43$479$442$2,171$2,174$5,309
Repairs$0$0$124$296$434$854
Taxes & Fees$2,146$46$46$46$46$2,330
Financing$3,265$2,638$1,962$1,233$447$9,545
Depreciation$5,127$1,606$1,523$1,785$1,689$11,730
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$13,499$7,778$7,200$8,731$8,090$45,298

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV SR5 4dr SUV 4WD (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$748$774$801$829$858$4,010
Maintenance$43$479$442$2,103$2,107$5,174
Repairs$0$0$124$296$434$854
Taxes & Fees$1,746$46$46$46$46$1,930
Financing$2,642$2,134$1,587$997$362$7,722
Depreciation$5,117$1,190$1,126$1,319$1,250$10,002
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$12,466$6,858$6,428$7,961$7,499$41,212

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV TRD PRO 4dr SUV 4WD (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$756$782$810$838$868$4,054
Maintenance$43$479$442$2,103$2,107$5,174
Repairs$0$0$124$296$434$854
Taxes & Fees$2,277$46$46$46$46$2,461
Financing$3,470$2,803$2,085$1,310$476$10,144
Depreciation$7,587$1,548$1,465$1,717$1,628$13,945
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$16,303$7,893$7,274$8,681$8,001$48,152

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV SR5 4dr SUV (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$738$764$791$818$847$3,958
Maintenance$43$465$432$1,986$2,202$5,128
Repairs$0$0$107$259$378$744
Taxes & Fees$1,681$46$46$46$46$1,865
Financing$2,540$2,052$1,526$959$349$7,426
Depreciation$3,632$1,197$1,133$1,328$1,259$8,549
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$10,804$6,759$6,337$7,767$7,523$39,190

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV Limited 4dr SUV (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$738$764$791$818$847$3,958
Maintenance$43$465$432$2,054$2,269$5,263
Repairs$0$0$107$259$378$744
Taxes & Fees$2,011$46$46$46$46$2,195
Financing$3,055$2,468$1,835$1,153$419$8,930
Depreciation$3,739$1,960$1,855$2,176$2,063$11,793
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$11,756$7,938$7,368$8,877$8,464$44,403

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV TRD OFF-ROAD 4dr SUV 4WD (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$756$782$810$838$868$4,054
Maintenance$43$479$442$2,103$2,107$5,174
Repairs$0$0$124$296$434$854
Taxes & Fees$1,830$46$46$46$46$2,014
Financing$2,772$2,240$1,665$1,047$380$8,104
Depreciation$3,916$1,305$1,235$1,448$1,373$9,277
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$11,487$7,087$6,624$8,149$7,650$40,997

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV SR5 Premium 4dr SUV (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$739$765$792$819$848$3,963
Maintenance$43$465$432$1,986$2,202$5,128
Repairs$0$0$107$259$378$744
Taxes & Fees$1,831$46$46$46$46$2,015
Financing$2,774$2,240$1,667$1,047$380$8,108
Depreciation$3,366$1,383$1,308$1,535$1,453$9,045
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$10,923$7,134$6,654$8,063$7,749$40,523

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV Venture Special Edition 4dr SUV 4WD (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$738$764$791$818$847$3,958
Maintenance$43$479$442$2,103$2,107$5,174
Repairs$0$0$124$296$434$854
Taxes & Fees$1,988$46$46$46$46$2,172
Financing$3,019$2,439$1,813$1,140$414$8,825
Depreciation$4,984$1,451$1,376$1,612$1,526$10,949
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$12,942$7,414$6,894$8,386$7,816$43,452

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV Trail Special Edition 4dr SUV 4WD (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$756$782$810$838$868$4,054
Maintenance$43$479$442$1,137$1,141$3,242
Repairs$0$0$124$296$434$854
Taxes & Fees$1,849$46$46$46$46$2,033
Financing$2,801$2,264$1,682$1,058$384$8,189
Depreciation$4,510$1,250$1,179$1,385$1,311$9,635
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$12,129$7,056$6,585$7,131$6,626$39,527

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV Nightshade Special Edition 4dr SUV (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$738$764$791$818$847$3,958
Maintenance$43$465$432$2,054$2,269$5,263
Repairs$0$0$107$259$378$744
Taxes & Fees$2,058$46$46$46$46$2,242
Financing$3,129$2,527$1,879$1,182$429$9,146
Depreciation$3,630$1,709$1,618$1,900$1,796$10,653
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$11,768$7,746$7,175$8,630$8,207$43,526

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 4Runner SUV Trail Special Edition 4dr SUV (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$756$782$810$838$868$4,054
Maintenance$43$465$432$1,020$1,236$3,196
Repairs$0$0$107$259$378$744
Taxes & Fees$1,734$46$46$46$46$1,918
Financing$2,622$2,118$1,575$990$360$7,665
Depreciation$3,197$1,426$1,350$1,585$1,499$9,057
Fuel$2,170$2,235$2,302$2,371$2,442$11,520
True Cost to Own®$10,522$7,072$6,622$7,109$6,829$38,154

*Based on a 5-year estimate with 15,000 miles driven per year.

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True Cost To Own®

Edmunds.com's True Cost to Own® (TCO®) is proprietary data that helps you estimate the total five-year cost of buying and owning a vehicle — including some items you may not have taken into consideration. A benefit of using our TCO® tool is that you can easily compare the five-year totals for different vehicles and make a more informed choice.

The components of TCO® are depreciation, interest on financing, taxes and fees, insurance premiums, fuel, maintenance, repairs and any federal tax credit that may be available. In order to estimate certain mileage-dependent costs, we assume that vehicles will be driven 15,000 miles per year. For a used vehicle, we calculate the years the vehicle has been driven using the nominal difference between the current calendar year and the vehicle's model year, and assume that it was driven 15,000 miles during each of those years.

Note that TCO® is a comparative tool, not a predictive tool — your actual five-year cost of owning a particular vehicle will vary depending on your personal circumstances, such as your driving history and the number of miles you drive.

How We Calculate True Cost to Own®

The True Cost to Own® calculations use the following set of assumptions:

  • Ownership expenses are estimated for a five-year period
  • You will drive 15,000 miles per year
  • You are financing the vehicle using traditional financing, not lease financing
  • You have an above-average credit rating for the purpose of determining your finance rate
  • You are making a 10% down payment on the vehicle at purchase
  • Your loan term is 60 months

Using proprietary formulas, we calculate the five-year costs for the seven cost categories that make up the TCO® (depreciation, insurance, financing, taxes & fees, fuel, maintenance and repairs). We also take into account any applicable federal tax credit.

Explanation of True Cost to Own® Terms

Total Cash Price

For new vehicles, the Total Cash Price displayed is the vehicle's True Market Value® (TMV®) price plus typically equipped options, destination charge, base tax and fees assessed by your state, and, if applicable, gas guzzler tax; less any widely available manufacturer-to-customer cash rebates. (However, we do not account for other types of cash rebates or incentives because of the variability of those offers and their eligibility requirements.) For used vehicles, the Total Cash Price shown is the sum of the vehicle's Private Party TMV® price in "clean" condition plus typically equipped options, and base tax and fees assessed by your state.

Depreciation

This is the amount by which the value of a vehicle declines from its purchase price to its estimated resale value. The purchase price employed is the vehicle's Total Cash Price, minus any taxes and fees included in that amount. We estimate the resale value assuming the vehicle will be in "clean" condition, will be driven 15,000 miles per year, and will be sold to a private party.

Insurance

This is the estimated average annual insurance premium in your state. The premium has been determined based on annual premium data for defined driver profiles and coverages (liability, comprehensive and collision) from a major national insurer. While this information is specific to vehicle make, model, model year and body type, your personal information is not taken into consideration and could greatly alter the actual premium quoted by an insurer. Factors that will affect your rate include your age, marital status, credit history, driving record, and the garaging address of your vehicle.

Financing

This is the interest expense on a loan in the amount of the Total Cash Price, assuming a 10% down payment and a loan term of 60 months. The interest rate used is the prevailing rate that banks and other direct automotive lenders are currently charging consumers in your geographic region who have above average credit scores.

Note: Even if you do not finance your vehicle, the inclusion of financing cost in determining True Cost to Own® is still appropriate because it reflects the estimated "opportunity cost" (i.e., the amount you may earn) if you invest the Purchase Price instead of using it to purchase the vehicle.

Taxes & Fees

This consists of the base sales (or use) taxes, license and registration fees in your state, and gas guzzler tax if applicable. These taxes and fees are often based on a percentage of the purchase price, and generally decrease as the vehicle ages and loses its value.

Note: the state sales/use tax rate that we use includes the average local and county taxes assessed in that state.

Fuel

This expense is based on the revised EPA mileage ratings, assuming consumption consists of 45% highway and 55% city driving and that the vehicle is equipped with the transmission that is standard equipment for that vehicle. Cost estimates are based on the current one-year moving average of self-service prices in your state, using regular unleaded gasoline for vehicles whose manufacturers require regular; premium unleaded gasoline for vehicles whose manufacturers recommend or require premium; or diesel fuel for diesel vehicles.

Maintenance

This is the estimated expense of the two types of maintenance: scheduled and unscheduled. Scheduled maintenance is the performance of factory-recommended items at periodic mileage and/or calendar intervals. Unscheduled maintenance includes wheel alignment and the replacement of items such as the battery, brakes, headlamps, hoses, exhaust system parts, taillight/turn signal bulbs, tires and wiper blades/inserts. Estimated tire replacement costs are supplied to Edmunds.com by The Tire Rack, Inc.

Repairs

This is the estimated expense for repairs not covered by the vehicle manufacturer's warranties over the five years from the date of purchase, assuming 15,000 miles are driven annually. We estimate this expense based on the cost of a typical "zero deductible" extended warranty for the vehicle, minus the estimated amount of that cost that consists of the warranty provider's overhead and profit.

Federal Tax Credits

This is the tax credit that is provided for under the Energy Policy Act of 2005. A tax credit is subtracted directly from the total amount of federal tax you owe. The tax credit is for electric fuel vehicles.

The credit is only available to the original purchaser of a new, qualifying vehicle, and is subject to certain "phase out" rules that we take into consideration when computing TCO®. If a qualifying vehicle is leased to a consumer, the leasing company may claim the credit.


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Edmunds Insurance Estimator

The Edmunds TCO® estimated monthly insurance payment for a 2021 Toyota 4Runner in Virginia is:

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