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Used 2020 Toyota RAV4 Cost to Own

Total 5-Year Ownership Costs

RAV4 SUV

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

True Cost to Own

$39,571*

Total Cash Price

$24,642

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

True Cost to Own

$35,477*

Total Cash Price

$21,672

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

True Cost to Own

$37,096*

Total Cash Price

$23,238

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

True Cost to Own

$37,825*

Total Cash Price

$23,018

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

True Cost to Own

$36,635*

Total Cash Price

$24,855

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

True Cost to Own

$38,688*

Total Cash Price

$25,831

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

True Cost to Own

$42,312*

Total Cash Price

$28,628

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

True Cost to Own

$39,588*

Total Cash Price

$27,221

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

True Cost to Own

$41,885*

Total Cash Price

$29,334

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

True Cost to Own

$40,020*

Total Cash Price

$26,463

Ownership Costs: 5-Year Total

Depreciation

$11,599

Taxes & Fees

$2,397

Financing

$4,322

Fuel

$8,152

Insurance

$4,019

Repairs

$2,886

Maintenance

$6,196

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
Insurance$757$780$803$827$852$4,019
Maintenance$749$1,043$350$2,334$1,720$6,196
Repairs$418$485$565$657$761$2,886
Taxes & Fees$1,409$247$247$247$247$2,397
Financing$1,481$1,194$888$557$202$4,322
Depreciation$4,159$2,260$2,031$1,771$1,378$11,599
Fuel$1,535$1,582$1,629$1,678$1,728$8,152
True Cost to Own®$10,508$7,591$6,513$8,071$6,888$39,571
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$706$727$749$771$795$3,748
Maintenance$733$918$333$2,121$1,573$5,678
Repairs$364$423$491$572$664$2,514
Taxes & Fees$1,241$219$219$219$219$2,117
Financing$1,302$1,051$780$490$178$3,801
Depreciation$3,563$1,872$1,779$1,245$1,276$9,735
Fuel$1,485$1,530$1,575$1,623$1,671$7,884
True Cost to Own®$9,394$6,740$5,926$7,041$6,376$35,477
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$735$757$780$803$827$3,902
Maintenance$733$918$333$2,197$1,573$5,754
Repairs$364$423$491$572$664$2,514
Taxes & Fees$1,329$234$234$234$234$2,265
Financing$1,396$1,127$837$525$191$4,076
Depreciation$3,948$1,843$2,094$1,475$1,341$10,701
Fuel$1,485$1,530$1,575$1,623$1,671$7,884
True Cost to Own®$9,990$6,832$6,344$7,429$6,501$37,096
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$738$760$783$806$831$3,918
Maintenance$749$1,043$350$2,258$1,720$6,120
Repairs$418$485$565$657$761$2,886
Taxes & Fees$1,317$232$232$232$232$2,245
Financing$1,383$1,116$829$520$189$4,037
Depreciation$3,344$2,289$1,947$1,542$1,613$10,735
Fuel$1,485$1,530$1,575$1,623$1,671$7,884
True Cost to Own®$9,434$7,455$6,281$7,638$7,017$37,825
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$735$757$780$803$827$3,902
Maintenance$733$918$333$2,386$1,573$5,943
Repairs$364$423$491$572$664$2,514
Taxes & Fees$1,421$249$249$249$249$2,417
Financing$1,493$1,205$895$562$204$4,359
Depreciation$3,281$1,614$1,618$1,607$1,496$9,616
Fuel$1,485$1,530$1,575$1,623$1,671$7,884
True Cost to Own®$9,512$6,696$5,941$7,802$6,684$36,635
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
Insurance$757$780$803$827$852$4,019
Maintenance$749$1,043$350$2,523$1,720$6,385
Repairs$418$485$565$657$761$2,886
Taxes & Fees$1,477$259$259$259$259$2,513
Financing$1,552$1,252$931$584$211$4,530
Depreciation$3,524$1,702$1,706$1,693$1,578$10,203
Fuel$1,535$1,582$1,629$1,678$1,728$8,152
True Cost to Own®$10,012$7,103$6,243$8,221$7,109$38,688
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$802$826$851$876$903$4,258
Maintenance$749$1,043$350$2,561$1,720$6,423
Repairs$418$485$565$657$761$2,886
Taxes & Fees$1,635$285$285$285$285$2,775
Financing$1,720$1,388$1,031$647$235$5,021
Depreciation$4,152$2,462$2,321$2,169$1,392$12,496
Fuel$1,592$1,640$1,689$1,740$1,792$8,453
True Cost to Own®$11,068$8,129$7,092$8,935$7,088$42,312
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$780$803$828$852$878$4,141
Maintenance$733$918$333$2,424$1,573$5,981
Repairs$364$423$491$572$664$2,514
Taxes & Fees$1,555$272$272$272$272$2,643
Financing$1,636$1,319$981$615$223$4,774
Depreciation$3,657$3,000$2,502$1,712$780$11,651
Fuel$1,485$1,530$1,575$1,623$1,671$7,884
True Cost to Own®$10,210$8,265$6,982$8,070$6,061$39,588
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
Insurance$802$826$851$876$903$4,258
Maintenance$749$1,043$350$2,338$1,720$6,200
Repairs$418$485$565$657$761$2,886
Taxes & Fees$1,675$292$292$292$292$2,843
Financing$1,762$1,423$1,056$663$241$5,145
Depreciation$4,066$1,968$1,972$1,957$1,823$11,786
Fuel$1,651$1,701$1,752$1,804$1,859$8,767
True Cost to Own®$11,123$7,738$6,838$8,587$7,599$41,885
Selected Model:

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

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$808$832$857$883$909$4,289
Maintenance$749$1,043$350$2,561$1,720$6,423
Repairs$418$485$565$657$761$2,886
Taxes & Fees$1,513$265$265$265$265$2,573
Financing$1,590$1,283$953$598$217$4,641
Depreciation$3,600$1,823$1,828$1,814$1,690$10,755
Fuel$1,592$1,640$1,689$1,740$1,792$8,453
True Cost to Own®$10,270$7,371$6,507$8,518$7,354$40,020

*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.