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2020 Toyota Camry Cost to Own

Total 5-Year Ownership Costs

Near ZIP

Camry Sedan

L 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$44,403*

Total Cash Price

$36,288

SE 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$32,891*

Total Cash Price

$26,880

XSE 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$38,154*

Total Cash Price

$31,181

XLE 4dr Sedan (3.5L 6cyl 8A)

True Cost to Own

$41,772*

Total Cash Price

$34,138

LE 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$39,469*

Total Cash Price

$32,256

TRD 4dr Sedan (3.5L 6cyl 8A)

True Cost to Own

$41,772*

Total Cash Price

$34,138

SE Nightshade Edition 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$34,536*

Total Cash Price

$28,224

XLE 4dr Sedan (2.5L 4cyl 8A)

True Cost to Own

$44,732*

Total Cash Price

$36,557

XSE 4dr Sedan (3.5L 6cyl 8A)

True Cost to Own

$35,193*

Total Cash Price

$28,762

XLE 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$43,745*

Total Cash Price

$35,750

SE Nightshade Edition 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$37,825*

Total Cash Price

$30,912

LE 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$48,021*

Total Cash Price

$39,245

XSE 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$36,838*

Total Cash Price

$30,106

SE 4dr Sedan AWD (2.5L 4cyl 8A)

True Cost to Own

$48,350*

Total Cash Price

$39,514

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan L 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,019$1,054$1,092$1,130$1,169$5,465
Maintenance$80$707$639$1,320$2,325$5,071
Repairs$0$0$144$350$510$1,004
Taxes & Fees$1,512$55$55$55$55$1,733
Financing$1,952$1,569$1,162$726$263$5,673
Depreciation$6,218$2,801$2,650$3,110$2,946$17,726
Fuel$1,457$1,500$1,544$1,592$1,639$7,731
True Cost to Own®$12,238$7,687$7,287$8,284$8,907$44,403
Ownership Costs: 5-Year Total

Depreciation

$13,130

Taxes & Fees

$1,284

Financing

$4,202

Fuel

$5,727

Insurance

$4,048

Repairs

$744

Maintenance

$3,756

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan SE 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$755$781$809$837$866$4,048
Maintenance$59$524$473$978$1,722$3,756
Repairs$0$0$107$259$378$744
Taxes & Fees$1,120$41$41$41$41$1,284
Financing$1,446$1,162$861$538$195$4,202
Depreciation$4,606$2,075$1,963$2,304$2,182$13,130
Fuel$1,079$1,111$1,144$1,179$1,214$5,727
True Cost to Own®$9,065$5,694$5,398$6,136$6,598$32,891

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan XSE 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$876$906$938$971$1,005$4,696
Maintenance$68$608$549$1,134$1,998$4,357
Repairs$0$0$124$300$438$863
Taxes & Fees$1,299$48$48$48$48$1,489
Financing$1,677$1,348$999$624$226$4,874
Depreciation$5,343$2,407$2,277$2,673$2,531$15,231
Fuel$1,252$1,289$1,327$1,368$1,408$6,643
True Cost to Own®$10,515$6,605$6,262$7,118$7,654$38,154

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan XLE 4dr Sedan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$959$992$1,027$1,063$1,100$5,141
Maintenance$75$665$601$1,242$2,187$4,770
Repairs$0$0$136$329$480$945
Taxes & Fees$1,422$52$52$52$52$1,631
Financing$1,836$1,476$1,093$683$248$5,337
Depreciation$5,850$2,635$2,493$2,926$2,771$16,675
Fuel$1,370$1,411$1,453$1,497$1,542$7,273
True Cost to Own®$11,513$7,231$6,855$7,793$8,379$41,772

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan LE 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$906$937$971$1,004$1,039$4,858
Maintenance$71$629$568$1,174$2,066$4,507
Repairs$0$0$128$311$454$893
Taxes & Fees$1,344$49$49$49$49$1,541
Financing$1,735$1,394$1,033$646$234$5,042
Depreciation$5,527$2,490$2,356$2,765$2,618$15,756
Fuel$1,295$1,333$1,373$1,415$1,457$6,872
True Cost to Own®$10,878$6,833$6,478$7,363$7,918$39,469

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan TRD 4dr Sedan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$959$992$1,027$1,063$1,100$5,141
Maintenance$75$665$601$1,242$2,187$4,770
Repairs$0$0$136$329$480$945
Taxes & Fees$1,422$52$52$52$52$1,631
Financing$1,836$1,476$1,093$683$248$5,337
Depreciation$5,850$2,635$2,493$2,926$2,771$16,675
Fuel$1,370$1,411$1,453$1,497$1,542$7,273
True Cost to Own®$11,513$7,231$6,855$7,793$8,379$41,772

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan SE Nightshade Edition 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$793$820$849$879$909$4,250
Maintenance$62$550$497$1,027$1,808$3,944
Repairs$0$0$112$272$397$781
Taxes & Fees$1,176$43$43$43$43$1,348
Financing$1,518$1,220$904$565$205$4,412
Depreciation$4,836$2,179$2,061$2,419$2,291$13,787
Fuel$1,133$1,167$1,201$1,238$1,275$6,013
True Cost to Own®$9,518$5,979$5,668$6,443$6,928$34,536

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan XLE 4dr Sedan (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,027$1,062$1,100$1,138$1,178$5,505
Maintenance$80$713$643$1,330$2,342$5,108
Repairs$0$0$146$352$514$1,012
Taxes & Fees$1,523$56$56$56$56$1,746
Financing$1,967$1,580$1,171$732$265$5,715
Depreciation$6,264$2,822$2,670$3,133$2,968$17,857
Fuel$1,467$1,511$1,556$1,603$1,651$7,789
True Cost to Own®$12,328$7,744$7,341$8,345$8,973$44,732

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan XSE 4dr Sedan (3.5L 6cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$808$836$866$896$927$4,331
Maintenance$63$561$506$1,046$1,843$4,019
Repairs$0$0$114$277$404$796
Taxes & Fees$1,198$44$44$44$44$1,374
Financing$1,547$1,243$921$576$209$4,496
Depreciation$4,928$2,220$2,100$2,465$2,335$14,049
Fuel$1,155$1,189$1,224$1,262$1,299$6,128
True Cost to Own®$9,700$6,093$5,776$6,566$7,060$35,193

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan XLE 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,004$1,039$1,076$1,113$1,152$5,384
Maintenance$78$697$629$1,301$2,290$4,995
Repairs$0$0$142$344$503$990
Taxes & Fees$1,490$55$55$55$55$1,708
Financing$1,923$1,545$1,145$716$259$5,589
Depreciation$6,126$2,760$2,611$3,064$2,902$17,463
Fuel$1,435$1,478$1,522$1,568$1,615$7,617
True Cost to Own®$12,056$7,573$7,179$8,161$8,775$43,745

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan SE Nightshade Edition 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$868$898$930$963$996$4,655
Maintenance$68$603$544$1,125$1,980$4,319
Repairs$0$0$123$298$435$856
Taxes & Fees$1,288$47$47$47$47$1,477
Financing$1,663$1,336$990$619$224$4,832
Depreciation$5,297$2,386$2,257$2,650$2,509$15,099
Fuel$1,241$1,278$1,316$1,356$1,396$6,586
True Cost to Own®$10,425$6,548$6,208$7,056$7,588$37,825

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan LE 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,102$1,140$1,181$1,222$1,264$5,910
Maintenance$86$765$691$1,428$2,514$5,484
Repairs$0$0$156$378$552$1,086
Taxes & Fees$1,635$60$60$60$60$1,875
Financing$2,111$1,697$1,257$785$285$6,135
Depreciation$6,725$3,030$2,866$3,364$3,186$19,170
Fuel$1,575$1,622$1,670$1,721$1,772$8,361
True Cost to Own®$13,235$8,313$7,881$8,959$9,633$48,021

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan XSE 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$846$875$906$937$970$4,534
Maintenance$66$587$530$1,095$1,929$4,207
Repairs$0$0$120$290$423$833
Taxes & Fees$1,254$46$46$46$46$1,438
Financing$1,620$1,301$964$603$218$4,706
Depreciation$5,159$2,324$2,199$2,580$2,444$14,706
Fuel$1,208$1,244$1,281$1,320$1,360$6,414
True Cost to Own®$10,153$6,377$6,046$6,872$7,390$36,838

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 Camry Sedan SE 4dr Sedan AWD (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,110$1,148$1,189$1,230$1,273$5,951
Maintenance$87$770$695$1,438$2,531$5,521
Repairs$0$0$157$381$556$1,094
Taxes & Fees$1,646$60$60$60$60$1,887
Financing$2,126$1,708$1,266$791$287$6,177
Depreciation$6,771$3,050$2,886$3,387$3,208$19,301
Fuel$1,586$1,633$1,682$1,733$1,785$8,419
True Cost to Own®$13,326$8,370$7,935$9,020$9,699$48,350

*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 2020 Toyota Camry in Virginia is:

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