Used 2018 Toyota RAV4 Cost to Own

Total 5-Year Ownership Costs

Near ZIP

RAV4 SUV

Adventure 4dr SUV (2.5L 4cyl 6A)

True Cost to Own

$34,300*

Total Cash Price

$25,009

Limited 4dr SUV AWD (2.5L 4cyl 6A)

True Cost to Own

$39,650*

Total Cash Price

$28,909

SE 4dr SUV AWD (2.5L 4cyl 6A)

True Cost to Own

$33,356*

Total Cash Price

$24,321

Adventure 4dr SUV AWD (2.5L 4cyl 6A)

True Cost to Own

$33,356*

Total Cash Price

$24,321

SE 4dr SUV (2.5L 4cyl 6A)

True Cost to Own

$44,055*

Total Cash Price

$32,122

LE 4dr SUV (2.5L 4cyl 6A)

True Cost to Own

$31,468*

Total Cash Price

$22,944

XLE 4dr SUV AWD (2.5L 4cyl 6A)

True Cost to Own

$32,727*

Total Cash Price

$23,862

Platinum 4dr SUV AWD (2.5L 4cyl 6A)

True Cost to Own

$45,629*

Total Cash Price

$33,269

Platinum 4dr SUV (2.5L 4cyl 6A)

True Cost to Own

$34,929*

Total Cash Price

$25,468

LE 4dr SUV AWD (2.5L 4cyl 6A)

True Cost to Own

$38,076*

Total Cash Price

$27,762

Limited 4dr SUV (2.5L 4cyl 6A)

True Cost to Own

$38,391*

Total Cash Price

$27,992

XLE 4dr SUV (2.5L 4cyl 6A)

True Cost to Own

$33,041*

Total Cash Price

$24,091

Ownership Costs: 5-Year Breakdown

Selected Model:

2018 RAV4 SUV Adventure 4dr SUV (2.5L 4cyl 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$767$795$822$851$881$4,116
Maintenance$71$516$453$1,828$2,474$5,342
Repairs$0$0$117$282$412$811
Taxes & Fees$1,050$45$45$45$45$1,228
Financing$1,345$1,081$801$500$182$3,910
Depreciation$3,547$1,841$1,744$2,045$1,937$11,114
Fuel$1,465$1,510$1,554$1,601$1,649$7,779
True Cost to Own®$8,245$5,787$5,536$7,153$7,580$34,300

Ownership Costs: 5-Year Breakdown

Selected Model:

2018 RAV4 SUV Limited 4dr SUV AWD (2.5L 4cyl 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$887$919$950$984$1,018$4,758
Maintenance$82$596$524$2,113$2,860$6,175
Repairs$0$0$135$326$476$937
Taxes & Fees$1,213$52$52$52$52$1,420
Financing$1,555$1,250$926$578$210$4,520
Depreciation$4,100$2,128$2,016$2,364$2,239$12,847
Fuel$1,693$1,745$1,797$1,851$1,906$8,993
True Cost to Own®$9,531$6,689$6,400$8,268$8,762$39,650

Ownership Costs: 5-Year Breakdown

Selected Model:

2018 RAV4 SUV SE 4dr SUV AWD (2.5L 4cyl 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$746$773$799$828$856$4,003
Maintenance$69$501$441$1,778$2,406$5,195
Repairs$0$0$113$275$401$789
Taxes & Fees$1,021$43$43$43$43$1,195
Financing$1,308$1,052$779$487$177$3,802
Depreciation$3,449$1,790$1,696$1,989$1,884$10,808
Fuel$1,425$1,468$1,512$1,557$1,604$7,565
True Cost to Own®$8,018$5,628$5,384$6,956$7,371$33,356

Ownership Costs: 5-Year Breakdown

Selected Model:

2018 RAV4 SUV Adventure 4dr SUV AWD (2.5L 4cyl 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$746$773$799$828$856$4,003
Maintenance$69$501$441$1,778$2,406$5,195
Repairs$0$0$113$275$401$789
Taxes & Fees$1,021$43$43$43$43$1,195
Financing$1,308$1,052$779$487$177$3,802
Depreciation$3,449$1,790$1,696$1,989$1,884$10,808
Fuel$1,425$1,468$1,512$1,557$1,604$7,565
True Cost to Own®$8,018$5,628$5,384$6,956$7,371$33,356

Ownership Costs: 5-Year Breakdown

Selected Model:

2018 RAV4 SUV SE 4dr SUV (2.5L 4cyl 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$986$1,021$1,056$1,093$1,131$5,286
Maintenance$91$662$582$2,348$3,178$6,861
Repairs$0$0$150$363$529$1,042
Taxes & Fees$1,348$57$57$57$57$1,578
Financing$1,728$1,389$1,029$643$234$5,022
Depreciation$4,556$2,365$2,240$2,626$2,488$14,274
Fuel$1,882$1,939$1,996$2,057$2,118$9,992
True Cost to Own®$10,590$7,433$7,111$9,187$9,736$44,055
Ownership Costs: 5-Year Total

Depreciation

$10,196

Taxes & Fees

$1,127

Financing

$3,587

Fuel

$7,137

Insurance

$3,776

Repairs

$744

Maintenance

$4,901

Ownership Costs: 5-Year Breakdown

Selected Model:

2018 RAV4 SUV LE 4dr SUV (2.5L 4cyl 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$704$729$754$781$808$3,776
Maintenance$65$473$416$1,677$2,270$4,901
Repairs$0$0$107$259$378$744
Taxes & Fees$963$41$41$41$41$1,127
Financing$1,234$992$735$459$167$3,587
Depreciation$3,254$1,689$1,600$1,876$1,777$10,196
Fuel$1,344$1,385$1,426$1,469$1,513$7,137
True Cost to Own®$7,564$5,309$5,079$6,562$6,954$31,468

Ownership Costs: 5-Year Breakdown

Selected Model:

2018 RAV4 SUV XLE 4dr SUV AWD (2.5L 4cyl 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$732$758$784$812$840$3,927
Maintenance$68$492$433$1,744$2,361$5,097
Repairs$0$0$111$269$393$774
Taxes & Fees$1,002$43$43$43$43$1,172
Financing$1,283$1,032$764$477$174$3,730
Depreciation$3,384$1,757$1,664$1,951$1,848$10,604
Fuel$1,398$1,440$1,483$1,528$1,574$7,422
True Cost to Own®$7,867$5,521$5,282$6,824$7,232$32,727

Ownership Costs: 5-Year Breakdown

Selected Model:

2018 RAV4 SUV Platinum 4dr SUV AWD (2.5L 4cyl 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,021$1,057$1,093$1,132$1,172$5,475
Maintenance$94$686$603$2,432$3,292$7,106
Repairs$0$0$155$376$548$1,079
Taxes & Fees$1,396$59$59$59$59$1,634
Financing$1,789$1,438$1,066$666$242$5,201
Depreciation$4,718$2,449$2,320$2,720$2,577$14,784
Fuel$1,949$2,008$2,068$2,130$2,194$10,349
True Cost to Own®$10,968$7,698$7,365$9,515$10,083$45,629

Ownership Costs: 5-Year Breakdown

Selected Model:

2018 RAV4 SUV Platinum 4dr SUV (2.5L 4cyl 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$781$809$837$867$897$4,191
Maintenance$72$525$462$1,861$2,520$5,440
Repairs$0$0$119$287$420$826
Taxes & Fees$1,069$46$46$46$46$1,251
Financing$1,370$1,101$816$509$185$3,982
Depreciation$3,612$1,875$1,776$2,082$1,972$11,318
Fuel$1,492$1,537$1,583$1,631$1,679$7,922
True Cost to Own®$8,396$5,893$5,638$7,284$7,719$34,929

Ownership Costs: 5-Year Breakdown

Selected Model:

2018 RAV4 SUV LE 4dr SUV AWD (2.5L 4cyl 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$852$882$912$945$978$4,569
Maintenance$79$572$503$2,029$2,747$5,930
Repairs$0$0$129$313$457$900
Taxes & Fees$1,165$50$50$50$50$1,364
Financing$1,493$1,200$889$555$202$4,340
Depreciation$3,937$2,044$1,936$2,270$2,150$12,337
Fuel$1,626$1,676$1,725$1,777$1,831$8,636
True Cost to Own®$9,152$6,424$6,146$7,940$8,414$38,076

Ownership Costs: 5-Year Breakdown

Selected Model:

2018 RAV4 SUV Limited 4dr SUV (2.5L 4cyl 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$859$889$920$953$986$4,607
Maintenance$79$577$508$2,046$2,769$5,979
Repairs$0$0$131$316$461$908
Taxes & Fees$1,175$50$50$50$50$1,375
Financing$1,505$1,210$897$560$204$4,376
Depreciation$3,970$2,061$1,952$2,289$2,168$12,439
Fuel$1,640$1,690$1,740$1,792$1,846$8,707
True Cost to Own®$9,228$6,477$6,196$8,006$8,484$38,391

Ownership Costs: 5-Year Breakdown

Selected Model:

2018 RAV4 SUV XLE 4dr SUV (2.5L 4cyl 6A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$739$765$792$820$848$3,965
Maintenance$68$497$437$1,761$2,384$5,146
Repairs$0$0$112$272$397$781
Taxes & Fees$1,011$43$43$43$43$1,183
Financing$1,296$1,042$772$482$175$3,766
Depreciation$3,417$1,773$1,680$1,970$1,866$10,706
Fuel$1,411$1,454$1,497$1,542$1,589$7,494
True Cost to Own®$7,942$5,574$5,333$6,890$7,302$33,041

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

Shop nowLearn about the 2018 RAV4

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.


Ad
Build Your RAV4
Build and Pricetoyota.com

Edmunds Insurance Estimator

The Edmunds TCO® estimated monthly insurance payment for a 2018 Toyota RAV4 in Virginia is:

not available
Legal