Toyota Camry Cost of Ownership
The 2026 Toyota Camry sits in the mid-market on price, but the real cost shows up over five years of depreciation, fuel, insurance and maintenance. Here is the full breakdown, plus a calculator to adjust it to your mileage.
The Camry depreciates at a fairly typical 16% a year, so no single line runs away with the budget. From a $29k start, depreciation and fuel usually trade places as the biggest yearly cost depending on your mileage.
Key assumptions for this page
Modeled figures: values tagged modeled are MotorCrunch modeled estimates — outputs of our own transparent models, not published statistics or quotes. Computed with MotorCrunch's ownership-cost model: compounding depreciation, energy at national average prices, modeled insurance and maintenance baselines. Segment-typical annual depreciation rate assigned per model, derived from published retention-curve ranges. Miles ÷ efficiency × national average energy price (last-known-good published price, see /data-sources). Full method: Methodology.
Sources: Kelley Blue Book — listed only where a figure above derives from them. Data updated: 2026-07-17 — verify before purchase.
What is source-backed vs modeled?
Published sources help shape the baseline where available. Local insurance and ownership indexes are modeled estimates, not insurer or lender quotes — they combine public demographic and cost signals with conservative assumptions. Replace the defaults with your own quote before deciding.
Run your own numbers
Your numbers
True cost per year
$8,208
Cost per mile
$0.68
Cost per month
$684
Insight — For most owners, depreciation is the largest line — often more than fuel and insurance combined — yet it never shows up on a monthly bill. Insurance is the cost you can change fastest without selling the car.
Data behind the defaults
- 7.47%·Editorial estimate· as of 2026-07-17· medium confidence
- $3.4/gal·Editorial estimate· as of 2026-06-01· medium confidence
These defaults are starting points from the sources above — every field is editable, and results are estimates, not quotes. All data sources →
What if Annual mileage changes?
| Annual mileage | True cost per year |
|---|---|
| 6,000 mi | $7,808 |
| 9,000 mi | $8,008 |
| 12,000 mi · now | $8,208 |
| 15,000 mi | $8,408 |
| 20,000 mi | $8,741 |
Shop your insurance the smart way
Know your benchmark here, then compare real quotes from several carriers — prices for the same driver vary a lot.
Explore insurance toolsFree · No sign-up · Independent, source-based math
Good to know
Specific, useful answers for this page.
Is the Toyota Camry expensive to own?＋
Over five years, the biggest cost is depreciation (~16%/yr), followed by insurance and fuel. Its moderate replacement value keeps the modeled insurance line in check. The breakdown above has the full picture.
What's the Camry's running cost?＋
At 51 MPG, fuel is a moderate yearly cost. Adjust your annual mileage above to see your real number.
How much does maintenance add on a Toyota Camry?＋
Routine service on the Camry is moderate for its class. On a $29k vehicle, parts and labor scale with complexity, which the breakdown above folds into the five-year total.