Used 2015 Toyota Tacoma Cost to Own

Total 5-Year Ownership Costs

Tacoma Double Cab

V6 4dr Double Cab 4WD 5.0 ft. SB (4.0L 6cyl 5A)

True Cost to Own

$40,309*

Total Cash Price

$27,738

V6 4dr Double Cab 4WD 6.1 ft. SB (4.0L 6cyl 5A)

True Cost to Own

$39,548*

Total Cash Price

$26,358

PreRunner V6 4dr Double Cab 5.0 ft. SB (4.0L 6cyl 5A)

True Cost to Own

$37,800*

Total Cash Price

$25,433

PreRunner 4dr Double Cab 5.0 ft. SB (2.7L 4cyl 4A)

True Cost to Own

$35,032*

Total Cash Price

$22,301

PreRunner V6 4dr Double Cab 6.1 ft. SB (4.0L 6cyl 5A)

True Cost to Own

$37,574*

Total Cash Price

$24,983

V6 4dr Double Cab 4WD 5.0 ft. SB (4.0L 6cyl 6M)

True Cost to Own

$39,837*

Total Cash Price

$25,152

4dr Double Cab 5.0 ft. SB (2.7L 4cyl 4A)

True Cost to Own

$33,651*

Total Cash Price

$21,154

TRD PRO V6 4dr Double Cab 4WD 5.0 ft. SB (4.0L 6cyl 6M)

True Cost to Own

$41,182*

Total Cash Price

$27,128

TRD PRO V6 4dr Double Cab 4WD 5.0 ft. SB (4.0L 6cyl 5A)

True Cost to Own

$40,525*

Total Cash Price

$27,873

Tacoma Access Cab

4dr Access Cab 6.1 ft. SB (2.7L 4cyl 4A)

True Cost to Own

$31,652*

Total Cash Price

$18,032

V6 4dr Access Cab 4WD 6.1 ft. SB (4.0L 6cyl 5A)

True Cost to Own

$37,952*

Total Cash Price

$24,234

4dr Access Cab 4WD 6.1 ft. SB (2.7L 4cyl 4A)

True Cost to Own

$36,188*

Total Cash Price

$21,996

PreRunner V6 4dr Access Cab 6.1 ft. SB (4.0L 6cyl 5A)

True Cost to Own

$35,505*

Total Cash Price

$21,841

PreRunner 4dr Access Cab 6.1 ft. SB (2.7L 4cyl 4A)

True Cost to Own

$33,955*

Total Cash Price

$20,742

V6 4dr Access Cab 4WD 6.1 ft. SB (4.0L 6cyl 6M)

True Cost to Own

$36,943*

Total Cash Price

$20,774

4dr Access Cab 4WD 6.1 ft. SB (2.7L 4cyl 5M)

True Cost to Own

$35,190*

Total Cash Price

$19,474

4dr Access Cab 6.1 ft. SB (2.7L 4cyl 5M)

True Cost to Own

$30,303*

Total Cash Price

$15,537

TRD PRO V6 4dr Access Cab 4WD 6.1 ft. SB (4.0L 6cyl 6M)

True Cost to Own

$40,719*

Total Cash Price

$26,588

TRD PRO V6 4dr Access Cab 4WD 6.1 ft. SB (4.0L 6cyl 5A)

True Cost to Own

$40,092*

Total Cash Price

$27,381

Ownership Costs: 5-Year Total

Depreciation

$10,500

Taxes & Fees

$1,678

Financing

$5,043

Fuel

$9,597

Insurance

$3,859

Repairs

$3,152

Maintenance

$6,480

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Double Cab V6 4dr Double Cab 4WD 5.0 ft. SB (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$727$749$771$794$818$3,859
Maintenance$889$327$2,524$490$2,250$6,480
Repairs$453$525$615$720$839$3,152
Taxes & Fees$1,494$46$46$46$46$1,678
Financing$1,725$1,393$1,037$651$237$5,043
Depreciation$4,587$1,698$1,521$1,399$1,295$10,500
Fuel$1,808$1,862$1,918$1,975$2,034$9,597
True Cost to Own®$11,683$6,600$8,432$6,075$7,519$40,309

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Double Cab V6 4dr Double Cab 4WD 6.1 ft. SB (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$743$765$788$812$836$3,944
Maintenance$889$327$2,524$490$2,250$6,480
Repairs$453$525$615$720$839$3,152
Taxes & Fees$1,422$46$46$46$46$1,606
Financing$1,639$1,324$985$619$225$4,792
Depreciation$4,359$1,613$1,445$1,330$1,230$9,977
Fuel$1,808$1,862$1,918$1,975$2,034$9,597
True Cost to Own®$11,313$6,462$8,321$5,992$7,460$39,548

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Double Cab PreRunner V6 4dr Double Cab 5.0 ft. SB (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$711$732$754$777$800$3,774
Maintenance$875$318$2,509$480$2,224$6,406
Repairs$394$458$535$627$732$2,746
Taxes & Fees$1,370$41$41$41$41$1,534
Financing$1,582$1,277$950$598$217$4,624
Depreciation$4,206$1,557$1,394$1,283$1,187$9,627
Fuel$1,712$1,763$1,816$1,871$1,927$9,089
True Cost to Own®$10,850$6,146$7,999$5,677$7,128$37,800

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Double Cab PreRunner 4dr Double Cab 5.0 ft. SB (2.7L 4cyl 4A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$691$712$733$755$778$3,669
Maintenance$902$334$2,539$496$2,255$6,526
Repairs$394$458$535$627$732$2,746
Taxes & Fees$1,207$41$41$41$41$1,371
Financing$1,387$1,120$833$524$190$4,054
Depreciation$3,687$1,365$1,222$1,125$1,041$8,440
Fuel$1,549$1,596$1,644$1,693$1,744$8,226
True Cost to Own®$9,817$5,626$7,547$5,261$6,781$35,032

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Double Cab PreRunner V6 4dr Double Cab 6.1 ft. SB (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$716$737$760$782$806$3,801
Maintenance$875$318$2,509$480$2,224$6,406
Repairs$394$458$535$627$732$2,746
Taxes & Fees$1,351$46$46$46$46$1,535
Financing$1,554$1,255$933$587$213$4,542
Depreciation$4,131$1,529$1,369$1,260$1,166$9,455
Fuel$1,712$1,763$1,816$1,871$1,927$9,089
True Cost to Own®$10,733$6,106$7,968$5,653$7,114$37,574

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Double Cab V6 4dr Double Cab 4WD 5.0 ft. SB (4.0L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$727$749$771$794$818$3,859
Maintenance$1,449$327$2,519$490$2,245$7,030
Repairs$453$525$615$720$839$3,152
Taxes & Fees$1,360$46$46$46$46$1,544
Financing$1,564$1,264$939$591$214$4,572
Depreciation$4,159$1,539$1,379$1,269$1,174$9,520
Fuel$1,914$1,971$2,030$2,091$2,154$10,160
True Cost to Own®$11,626$6,421$8,299$6,001$7,490$39,837

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Double Cab 4dr Double Cab 5.0 ft. SB (2.7L 4cyl 4A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$689$710$731$753$775$3,658
Maintenance$902$334$1,873$496$2,255$5,860
Repairs$394$458$535$627$732$2,746
Taxes & Fees$1,147$41$41$41$41$1,311
Financing$1,316$1,062$791$496$181$3,846
Depreciation$3,497$1,294$1,159$1,067$987$8,004
Fuel$1,549$1,596$1,644$1,693$1,744$8,226
True Cost to Own®$9,494$5,495$6,774$5,173$6,715$33,651

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Double Cab TRD PRO V6 4dr Double Cab 4WD 5.0 ft. SB (4.0L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$725$747$769$792$816$3,849
Maintenance$1,449$327$2,663$490$2,245$7,174
Repairs$453$525$615$720$839$3,152
Taxes & Fees$1,462$46$46$46$46$1,646
Financing$1,687$1,363$1,013$637$232$4,932
Depreciation$4,486$1,661$1,487$1,369$1,266$10,269
Fuel$1,914$1,971$2,030$2,091$2,154$10,160
True Cost to Own®$12,176$6,640$8,623$6,145$7,598$41,182

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Double Cab TRD PRO V6 4dr Double Cab 4WD 5.0 ft. SB (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$725$747$769$792$816$3,849
Maintenance$889$327$2,668$490$2,250$6,624
Repairs$453$525$615$720$839$3,152
Taxes & Fees$1,501$46$46$46$46$1,685
Financing$1,733$1,401$1,041$654$238$5,067
Depreciation$4,610$1,706$1,528$1,406$1,301$10,551
Fuel$1,808$1,862$1,918$1,975$2,034$9,597
True Cost to Own®$11,719$6,614$8,585$6,083$7,524$40,525

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Access Cab 4dr Access Cab 6.1 ft. SB (2.7L 4cyl 4A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$673$693$714$735$757$3,572
Maintenance$902$334$1,873$496$2,255$5,860
Repairs$394$458$535$627$732$2,746
Taxes & Fees$985$41$41$41$41$1,149
Financing$1,121$906$674$423$154$3,278
Depreciation$2,980$1,103$988$909$841$6,821
Fuel$1,549$1,596$1,644$1,693$1,744$8,226
True Cost to Own®$8,604$5,131$6,469$4,924$6,524$31,652

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Access Cab V6 4dr Access Cab 4WD 6.1 ft. SB (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$700$721$743$765$788$3,717
Maintenance$889$327$2,457$490$2,250$6,413
Repairs$453$525$615$720$839$3,152
Taxes & Fees$1,312$46$46$46$46$1,496
Financing$1,507$1,218$905$569$207$4,406
Depreciation$4,007$1,483$1,328$1,222$1,131$9,171
Fuel$1,808$1,862$1,918$1,975$2,034$9,597
True Cost to Own®$10,676$6,182$8,012$5,787$7,295$37,952

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Access Cab 4dr Access Cab 4WD 6.1 ft. SB (2.7L 4cyl 4A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$699$720$742$764$787$3,712
Maintenance$916$343$2,487$506$2,282$6,534
Repairs$453$525$615$720$839$3,152
Taxes & Fees$1,196$46$46$46$46$1,380
Financing$1,368$1,105$822$516$188$3,999
Depreciation$3,636$1,346$1,205$1,109$1,026$8,322
Fuel$1,712$1,763$1,816$1,871$1,927$9,089
True Cost to Own®$9,980$5,848$7,733$5,532$7,095$36,188

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Access Cab PreRunner V6 4dr Access Cab 6.1 ft. SB (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$706$727$749$771$795$3,748
Maintenance$875$318$2,442$480$2,224$6,339
Repairs$394$458$535$627$732$2,746
Taxes & Fees$1,183$41$41$41$41$1,347
Financing$1,358$1,097$816$513$187$3,971
Depreciation$3,611$1,336$1,197$1,102$1,019$8,265
Fuel$1,712$1,763$1,816$1,871$1,927$9,089
True Cost to Own®$9,839$5,740$7,596$5,405$6,925$35,505

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Access Cab PreRunner 4dr Access Cab 6.1 ft. SB (2.7L 4cyl 4A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$681$701$722$744$766$3,614
Maintenance$902$334$2,472$496$2,255$6,459
Repairs$394$458$535$627$732$2,746
Taxes & Fees$1,126$41$41$41$41$1,290
Financing$1,290$1,042$775$487$177$3,771
Depreciation$3,429$1,269$1,137$1,046$968$7,849
Fuel$1,549$1,596$1,644$1,693$1,744$8,226
True Cost to Own®$9,371$5,441$7,326$5,134$6,683$33,955

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Access Cab V6 4dr Access Cab 4WD 6.1 ft. SB (4.0L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$700$721$743$765$788$3,717
Maintenance$1,449$327$2,452$490$2,245$6,963
Repairs$453$525$615$720$839$3,152
Taxes & Fees$1,132$46$46$46$46$1,316
Financing$1,292$1,044$776$487$178$3,777
Depreciation$3,433$1,271$1,138$1,047$969$7,858
Fuel$1,914$1,971$2,030$2,091$2,154$10,160
True Cost to Own®$10,373$5,905$7,800$5,646$7,219$36,943

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Access Cab 4dr Access Cab 4WD 6.1 ft. SB (2.7L 4cyl 5M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$699$720$742$764$787$3,712
Maintenance$1,475$343$2,482$506$2,276$7,082
Repairs$453$525$615$720$839$3,152
Taxes & Fees$1,065$46$46$46$46$1,249
Financing$1,211$978$728$457$166$3,540
Depreciation$3,218$1,191$1,067$982$908$7,366
Fuel$1,712$1,763$1,816$1,871$1,927$9,089
True Cost to Own®$9,833$5,566$7,496$5,346$6,949$35,190

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Access Cab 4dr Access Cab 6.1 ft. SB (2.7L 4cyl 5M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$673$693$714$735$757$3,572
Maintenance$1,461$334$1,868$496$2,250$6,409
Repairs$394$458$535$627$732$2,746
Taxes & Fees$856$41$41$41$41$1,020
Financing$966$781$580$365$133$2,825
Depreciation$2,566$950$851$783$724$5,874
Fuel$1,480$1,524$1,570$1,617$1,666$7,857
True Cost to Own®$8,396$4,781$6,159$4,664$6,303$30,303

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Access Cab TRD PRO V6 4dr Access Cab 4WD 6.1 ft. SB (4.0L 6cyl 6M)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$700$721$743$765$788$3,717
Maintenance$1,449$327$2,663$490$2,245$7,174
Repairs$453$525$615$720$839$3,152
Taxes & Fees$1,434$46$46$46$46$1,618
Financing$1,653$1,336$993$625$227$4,834
Depreciation$4,397$1,627$1,458$1,341$1,241$10,064
Fuel$1,914$1,971$2,030$2,091$2,154$10,160
True Cost to Own®$12,000$6,553$8,548$6,078$7,540$40,719

Ownership Costs: 5-Year Breakdown

Selected Model:

2015 Tacoma Access Cab TRD PRO V6 4dr Access Cab 4WD 6.1 ft. SB (4.0L 6cyl 5A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$700$721$743$765$788$3,717
Maintenance$889$327$2,668$490$2,250$6,624
Repairs$453$525$615$720$839$3,152
Taxes & Fees$1,476$46$46$46$46$1,660
Financing$1,703$1,375$1,023$643$234$4,978
Depreciation$4,528$1,676$1,501$1,381$1,278$10,364
Fuel$1,808$1,862$1,918$1,975$2,034$9,597
True Cost to Own®$11,557$6,532$8,514$6,020$7,469$40,092

*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.

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.



Edmunds Insurance Estimator

The Edmunds TCO® estimated monthly insurance payment for a 2015 Toyota Tacoma in Virginia is:

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