Used 2020 Toyota Camry Cost to Own
Total 5-Year Ownership Costs
Camry Sedan
SE 4dr Sedan (2.5L 4cyl 8A)
True Cost to Own
$33,413*
Total Cash Price
$21,087
LE 4dr Sedan (2.5L 4cyl 8A)
True Cost to Own
$32,522*
Total Cash Price
$20,390
XSE 4dr Sedan (2.5L 4cyl 8A)
True Cost to Own
$36,365*
Total Cash Price
$23,638
XLE 4dr Sedan (2.5L 4cyl 8A)
True Cost to Own
$34,276*
Total Cash Price
$22,733
SE Nightshade Edition 4dr Sedan (2.5L 4cyl 8A)
True Cost to Own
$32,387*
Total Cash Price
$20,723
XSE 4dr Sedan (3.5L 6cyl 8A)
True Cost to Own
$40,923*
Total Cash Price
$26,580
SE 4dr Sedan AWD (2.5L 4cyl 8A)
True Cost to Own
$35,335*
Total Cash Price
$23,782
LE 4dr Sedan AWD (2.5L 4cyl 8A)
True Cost to Own
$34,471*
Total Cash Price
$21,481
TRD 4dr Sedan (3.5L 6cyl 8A)
True Cost to Own
$38,201*
Total Cash Price
$26,549
XSE 4dr Sedan AWD (2.5L 4cyl 8A)
True Cost to Own
$37,211*
Total Cash Price
$24,463
XLE 4dr Sedan AWD (2.5L 4cyl 8A)
True Cost to Own
$36,760*
Total Cash Price
$23,706
XLE 4dr Sedan (3.5L 6cyl 8A)
True Cost to Own
$40,034*
Total Cash Price
$26,448
L 4dr Sedan (2.5L 4cyl 8A)
True Cost to Own
$30,830*
Total Cash Price
$19,253
SE Nightshade Edition 4dr Sedan AWD (2.5L 4cyl 8A)
True Cost to Own
$35,047*
Total Cash Price
$23,136
Depreciation
$9,612
Taxes & Fees
$1,541
Financing
$3,698
Fuel
$7,619
Insurance
$3,557
Repairs
$2,337
Maintenance
$5,049
Ownership Costs: 5-Year Breakdown
2020 Camry Sedan SE 4dr Sedan (2.5L 4cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $670 | $690 | $711 | $732 | $754 | $3,557 |
Maintenance | $576 | $807 | $304 | $2,164 | $1,198 | $5,049 |
Repairs | $337 | $393 | $457 | $532 | $618 | $2,337 |
Taxes & Fees | $1,401 | $35 | $35 | $35 | $35 | $1,541 |
Financing | $1,267 | $1,022 | $760 | $476 | $173 | $3,698 |
Depreciation | $3,065 | $1,790 | $1,618 | $1,734 | $1,405 | $9,612 |
Fuel | $1,435 | $1,478 | $1,523 | $1,568 | $1,615 | $7,619 |
True Cost to Own® | $8,751 | $6,215 | $5,408 | $7,241 | $5,798 | $33,413 |
2020 Camry Sedan LE 4dr Sedan (2.5L 4cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $670 | $690 | $711 | $732 | $754 | $3,557 |
Maintenance | $576 | $807 | $304 | $1,856 | $1,198 | $4,741 |
Repairs | $337 | $393 | $457 | $532 | $618 | $2,337 |
Taxes & Fees | $1,356 | $35 | $35 | $35 | $35 | $1,496 |
Financing | $1,225 | $989 | $734 | $461 | $167 | $3,576 |
Depreciation | $3,030 | $1,853 | $1,361 | $1,431 | $1,521 | $9,196 |
Fuel | $1,435 | $1,478 | $1,523 | $1,568 | $1,615 | $7,619 |
True Cost to Own® | $8,629 | $6,245 | $5,125 | $6,615 | $5,908 | $32,522 |
2020 Camry Sedan XSE 4dr Sedan (2.5L 4cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $673 | $693 | $714 | $735 | $757 | $3,572 |
Maintenance | $576 | $807 | $304 | $2,318 | $1,198 | $5,203 |
Repairs | $337 | $393 | $457 | $532 | $618 | $2,337 |
Taxes & Fees | $1,566 | $35 | $35 | $35 | $35 | $1,706 |
Financing | $1,420 | $1,146 | $852 | $534 | $194 | $4,146 |
Depreciation | $3,664 | $1,859 | $2,421 | $2,109 | $1,486 | $11,539 |
Fuel | $1,481 | $1,525 | $1,571 | $1,618 | $1,667 | $7,862 |
True Cost to Own® | $9,717 | $6,458 | $6,354 | $7,881 | $5,955 | $36,365 |
2020 Camry Sedan XLE 4dr Sedan (2.5L 4cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $673 | $693 | $714 | $735 | $757 | $3,572 |
Maintenance | $576 | $807 | $304 | $2,164 | $1,198 | $5,049 |
Repairs | $337 | $393 | $457 | $532 | $618 | $2,337 |
Taxes & Fees | $1,508 | $35 | $35 | $35 | $35 | $1,648 |
Financing | $1,366 | $1,102 | $819 | $514 | $186 | $3,987 |
Depreciation | $2,884 | $1,775 | $1,902 | $2,122 | $1,138 | $9,821 |
Fuel | $1,481 | $1,525 | $1,571 | $1,618 | $1,667 | $7,862 |
True Cost to Own® | $8,825 | $6,330 | $5,802 | $7,720 | $5,599 | $34,276 |
2020 Camry Sedan SE Nightshade Edition 4dr Sedan (2.5L 4cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $670 | $690 | $711 | $732 | $754 | $3,557 |
Maintenance | $576 | $807 | $304 | $2,164 | $1,198 | $5,049 |
Repairs | $337 | $393 | $457 | $532 | $618 | $2,337 |
Taxes & Fees | $1,378 | $35 | $35 | $35 | $35 | $1,518 |
Financing | $1,245 | $1,005 | $746 | $469 | $170 | $3,635 |
Depreciation | $3,207 | $1,243 | $1,747 | $1,477 | $998 | $8,672 |
Fuel | $1,435 | $1,478 | $1,523 | $1,568 | $1,615 | $7,619 |
True Cost to Own® | $8,848 | $5,651 | $5,523 | $6,977 | $5,388 | $32,387 |
2020 Camry Sedan XSE 4dr Sedan (3.5L 6cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $714 | $735 | $757 | $780 | $804 | $3,790 |
Maintenance | $645 | $810 | $316 | $2,451 | $1,294 | $5,516 |
Repairs | $337 | $393 | $457 | $532 | $618 | $2,337 |
Taxes & Fees | $1,757 | $35 | $35 | $35 | $35 | $1,897 |
Financing | $1,597 | $1,289 | $957 | $601 | $218 | $4,662 |
Depreciation | $3,828 | $1,961 | $2,819 | $2,700 | $2,039 | $13,347 |
Fuel | $1,766 | $1,819 | $1,873 | $1,929 | $1,987 | $9,374 |
True Cost to Own® | $10,644 | $7,042 | $7,214 | $9,028 | $6,995 | $40,923 |
2020 Camry Sedan SE 4dr Sedan AWD (2.5L 4cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $670 | $690 | $711 | $732 | $754 | $3,557 |
Maintenance | $576 | $807 | $304 | $2,084 | $1,198 | $4,969 |
Repairs | $387 | $450 | $524 | $611 | $709 | $2,681 |
Taxes & Fees | $1,576 | $35 | $35 | $35 | $35 | $1,716 |
Financing | $1,429 | $1,153 | $856 | $538 | $195 | $4,171 |
Depreciation | $3,240 | $1,502 | $2,111 | $1,784 | $1,205 | $9,842 |
Fuel | $1,582 | $1,629 | $1,678 | $1,729 | $1,781 | $8,399 |
True Cost to Own® | $9,460 | $6,266 | $6,219 | $7,513 | $5,877 | $35,335 |
2020 Camry Sedan LE 4dr Sedan AWD (2.5L 4cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $670 | $690 | $711 | $732 | $754 | $3,557 |
Maintenance | $576 | $807 | $304 | $1,776 | $1,198 | $4,661 |
Repairs | $387 | $450 | $524 | $611 | $709 | $2,681 |
Taxes & Fees | $1,427 | $35 | $35 | $35 | $35 | $1,567 |
Financing | $1,291 | $1,041 | $774 | $485 | $177 | $3,768 |
Depreciation | $3,748 | $1,384 | $1,947 | $1,647 | $1,112 | $9,838 |
Fuel | $1,582 | $1,629 | $1,678 | $1,729 | $1,781 | $8,399 |
True Cost to Own® | $9,681 | $6,036 | $5,973 | $7,015 | $5,766 | $34,471 |
2020 Camry Sedan TRD 4dr Sedan (3.5L 6cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $714 | $735 | $757 | $780 | $804 | $3,790 |
Maintenance | $645 | $810 | $316 | $2,502 | $1,294 | $5,567 |
Repairs | $337 | $393 | $457 | $532 | $618 | $2,337 |
Taxes & Fees | $1,755 | $35 | $35 | $35 | $35 | $1,895 |
Financing | $1,595 | $1,287 | $956 | $601 | $217 | $4,656 |
Depreciation | $3,665 | $1,487 | $2,094 | $1,769 | $1,194 | $10,209 |
Fuel | $1,836 | $1,891 | $1,948 | $2,006 | $2,066 | $9,747 |
True Cost to Own® | $10,547 | $6,638 | $6,563 | $8,225 | $6,228 | $38,201 |
2020 Camry Sedan XSE 4dr Sedan AWD (2.5L 4cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $673 | $693 | $714 | $735 | $757 | $3,572 |
Maintenance | $576 | $807 | $304 | $2,238 | $1,198 | $5,123 |
Repairs | $387 | $450 | $524 | $611 | $709 | $2,681 |
Taxes & Fees | $1,620 | $35 | $35 | $35 | $35 | $1,760 |
Financing | $1,470 | $1,186 | $881 | $553 | $201 | $4,291 |
Depreciation | $4,208 | $1,562 | $2,196 | $1,857 | $1,254 | $11,077 |
Fuel | $1,640 | $1,689 | $1,740 | $1,792 | $1,846 | $8,707 |
True Cost to Own® | $10,574 | $6,422 | $6,394 | $7,821 | $6,000 | $37,211 |
2020 Camry Sedan XLE 4dr Sedan AWD (2.5L 4cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $673 | $693 | $714 | $735 | $757 | $3,572 |
Maintenance | $576 | $807 | $304 | $2,084 | $1,198 | $4,969 |
Repairs | $387 | $450 | $524 | $611 | $709 | $2,681 |
Taxes & Fees | $1,571 | $35 | $35 | $35 | $35 | $1,711 |
Financing | $1,424 | $1,150 | $853 | $536 | $195 | $4,158 |
Depreciation | $4,192 | $1,540 | $2,164 | $1,830 | $1,236 | $10,962 |
Fuel | $1,640 | $1,689 | $1,740 | $1,792 | $1,846 | $8,707 |
True Cost to Own® | $10,463 | $6,364 | $6,334 | $7,623 | $5,976 | $36,760 |
2020 Camry Sedan XLE 4dr Sedan (3.5L 6cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $714 | $735 | $757 | $780 | $804 | $3,790 |
Maintenance | $645 | $810 | $316 | $2,297 | $1,294 | $5,362 |
Repairs | $337 | $393 | $457 | $532 | $618 | $2,337 |
Taxes & Fees | $1,748 | $35 | $35 | $35 | $35 | $1,888 |
Financing | $1,589 | $1,282 | $953 | $598 | $217 | $4,639 |
Depreciation | $4,063 | $2,270 | $2,323 | $2,123 | $1,865 | $12,644 |
Fuel | $1,766 | $1,819 | $1,873 | $1,929 | $1,987 | $9,374 |
True Cost to Own® | $10,862 | $7,344 | $6,714 | $8,294 | $6,820 | $40,034 |
2020 Camry Sedan L 4dr Sedan (2.5L 4cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $622 | $641 | $660 | $680 | $700 | $3,303 |
Maintenance | $576 | $807 | $304 | $1,668 | $1,198 | $4,553 |
Repairs | $337 | $393 | $457 | $532 | $618 | $2,337 |
Taxes & Fees | $1,283 | $35 | $35 | $35 | $35 | $1,423 |
Financing | $1,157 | $933 | $694 | $435 | $158 | $3,377 |
Depreciation | $2,936 | $1,388 | $1,411 | $1,457 | $1,480 | $8,672 |
Fuel | $1,349 | $1,390 | $1,432 | $1,475 | $1,519 | $7,165 |
True Cost to Own® | $8,260 | $5,587 | $4,993 | $6,282 | $5,708 | $30,830 |
2020 Camry Sedan SE Nightshade Edition 4dr Sedan AWD (2.5L 4cyl 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $670 | $690 | $711 | $732 | $754 | $3,557 |
Maintenance | $576 | $807 | $304 | $2,084 | $1,198 | $4,969 |
Repairs | $387 | $450 | $524 | $611 | $709 | $2,681 |
Taxes & Fees | $1,534 | $35 | $35 | $35 | $35 | $1,674 |
Financing | $1,390 | $1,122 | $833 | $523 | $190 | $4,058 |
Depreciation | $3,597 | $1,390 | $1,954 | $1,652 | $1,116 | $9,709 |
Fuel | $1,582 | $1,629 | $1,678 | $1,729 | $1,781 | $8,399 |
True Cost to Own® | $9,736 | $6,123 | $6,039 | $7,366 | $5,783 | $35,047 |
*Based on a 5-year estimate with 15,000 miles driven per year.
Shop nowLearn about the 2020 CamryTrue 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.