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Used 2020 Toyota RAV4 Cost to Own

Total 5-Year Ownership Costs

RAV4 SUV

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

True Cost to Own

$35,771*

Total Cash Price

$28,511

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

True Cost to Own

$38,065*

Total Cash Price

$30,959

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

True Cost to Own

$37,478*

Total Cash Price

$31,230

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

True Cost to Own

$36,311*

Total Cash Price

$28,727

XLE Premium 4dr SUV (2.5L 4cyl 8A)

True Cost to Own

$39,313*

Total Cash Price

$34,246

XLE Premium 4dr SUV AWD (2.5L 4cyl 8A)

True Cost to Own

$39,483*

Total Cash Price

$33,212

TRD Off-Road 4dr SUV AWD (2.5L 4cyl 8A)

True Cost to Own

$44,069*

Total Cash Price

$40,584

Limited 4dr SUV AWD (2.5L 4cyl 8A)

True Cost to Own

$41,333*

Total Cash Price

$35,694

Limited 4dr SUV (2.5L 4cyl 8A)

True Cost to Own

$40,128*

Total Cash Price

$35,417

Adventure 4dr SUV AWD (2.5L 4cyl 8A)

True Cost to Own

$41,008*

Total Cash Price

$34,176

Ownership Costs: 5-Year Total

Depreciation

$11,909

Taxes & Fees

$1,349

Financing

$2,514

Fuel

$9,318

Insurance

$3,737

Repairs

$1,622

Maintenance

$5,322

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 RAV4 SUV LE 4dr SUV (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$704$725$747$769$792$3,737
Maintenance$597$395$1,842$1,452$1,036$5,322
Repairs$102$246$361$421$492$1,622
Taxes & Fees$1,185$41$41$41$41$1,349
Financing$879$697$510$315$113$2,514
Depreciation$4,107$2,262$2,020$1,835$1,685$11,909
Fuel$1,755$1,808$1,862$1,918$1,975$9,318
True Cost to Own®$9,329$6,174$7,383$6,751$6,134$35,771

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 RAV4 SUV XLE 4dr SUV 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$736$758$781$804$828$3,907
Maintenance$616$409$1,987$1,468$1,073$5,553
Repairs$119$281$414$484$564$1,862
Taxes & Fees$1,283$41$41$41$41$1,447
Financing$954$758$553$342$123$2,730
Depreciation$4,460$2,456$2,194$1,993$1,829$12,932
Fuel$1,815$1,869$1,925$1,983$2,042$9,634
True Cost to Own®$9,983$6,572$7,895$7,115$6,500$38,065

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 RAV4 SUV XLE 4dr SUV (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$722$744$766$789$813$3,834
Maintenance$597$395$1,967$1,452$1,036$5,447
Repairs$102$246$361$421$492$1,622
Taxes & Fees$1,293$41$41$41$41$1,457
Financing$963$764$558$345$124$2,754
Depreciation$4,500$2,478$2,213$2,010$1,845$13,046
Fuel$1,755$1,808$1,862$1,918$1,975$9,318
True Cost to Own®$9,932$6,476$7,768$6,976$6,326$37,478

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 RAV4 SUV LE 4dr SUV 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$718$740$762$785$808$3,813
Maintenance$616$409$1,862$1,468$1,073$5,428
Repairs$119$281$414$484$564$1,862
Taxes & Fees$1,194$41$41$41$41$1,358
Financing$885$703$514$317$114$2,533
Depreciation$4,138$2,279$2,036$1,849$1,697$11,999
Fuel$1,755$1,808$1,862$1,918$1,975$9,318
True Cost to Own®$9,425$6,261$7,491$6,862$6,272$36,311

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 RAV4 SUV XLE Premium 4dr SUV (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$722$744$766$789$813$3,834
Maintenance$597$395$2,154$1,452$1,036$5,634
Repairs$102$246$361$421$492$1,622
Taxes & Fees$1,414$41$41$41$41$1,578
Financing$1,055$839$612$378$135$3,019
Depreciation$4,935$2,717$2,427$2,205$2,024$14,308
Fuel$1,755$1,808$1,862$1,918$1,975$9,318
True Cost to Own®$10,580$6,790$8,223$7,204$6,516$39,313

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 RAV4 SUV XLE Premium 4dr SUV 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$736$758$781$804$828$3,907
Maintenance$616$409$2,174$1,468$1,073$5,740
Repairs$119$281$414$484$564$1,862
Taxes & Fees$1,372$41$41$41$41$1,536
Financing$1,024$812$594$367$131$2,928
Depreciation$4,786$2,635$2,354$2,138$1,963$13,876
Fuel$1,815$1,869$1,925$1,983$2,042$9,634
True Cost to Own®$10,468$6,805$8,283$7,285$6,642$39,483

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 RAV4 SUV TRD Off-Road 4dr SUV 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$752$775$798$822$846$3,993
Maintenance$616$409$1,920$1,468$1,073$5,486
Repairs$119$281$414$484$564$1,862
Taxes & Fees$1,666$41$41$41$41$1,830
Financing$1,251$993$726$448$160$3,578
Depreciation$5,849$3,221$2,877$2,613$2,399$16,959
Fuel$1,952$2,010$2,070$2,133$2,196$10,361
True Cost to Own®$12,205$7,730$8,846$8,009$7,279$44,069

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 RAV4 SUV Limited 4dr SUV 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$752$775$798$822$846$3,993
Maintenance$616$409$2,228$1,468$1,073$5,794
Repairs$119$281$414$484$564$1,862
Taxes & Fees$1,471$41$41$41$41$1,635
Financing$1,100$874$638$394$141$3,147
Depreciation$5,144$2,832$2,530$2,298$2,110$14,914
Fuel$1,881$1,938$1,996$2,056$2,117$9,988
True Cost to Own®$11,083$7,150$8,645$7,563$6,892$41,333

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 RAV4 SUV Limited 4dr SUV (2.5L 4cyl 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$745$767$790$814$839$3,955
Maintenance$597$395$2,208$1,452$1,036$5,688
Repairs$102$246$361$421$492$1,622
Taxes & Fees$1,460$41$41$41$41$1,624
Financing$1,092$866$634$391$140$3,123
Depreciation$5,104$2,810$2,511$2,280$2,093$14,798
Fuel$1,755$1,808$1,862$1,918$1,975$9,318
True Cost to Own®$10,855$6,933$8,407$7,317$6,616$40,128

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 RAV4 SUV Adventure 4dr SUV 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$847$872$899$926$953$4,497
Maintenance$616$409$2,228$1,468$1,073$5,794
Repairs$119$281$414$484$564$1,862
Taxes & Fees$1,411$41$41$41$41$1,575
Financing$1,053$837$611$377$135$3,013
Depreciation$4,925$2,712$2,422$2,200$2,020$14,279
Fuel$1,881$1,938$1,996$2,056$2,117$9,988
True Cost to Own®$10,852$7,090$8,611$7,552$6,903$41,008

*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.



Edmunds Insurance Estimator

The Edmunds TCO® estimated monthly insurance payment for a 2020 Toyota RAV4 in Virginia is:

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