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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

Ownership Costs: 5-Year Total

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

Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
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
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
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
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
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.

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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.