2024 Toyota Camry: 5-Year Total Cost of Ownership
Quick Answer
The 2024 Toyota Camry costs $38,501 to own over 5 years, or $642/month. The biggest expenses are depreciation ($13,198) and insurance ($10,680).
✓ Updated March 2026✓ Based on state insurance filings
5-Year Total Cost of Ownership
$38,501
$642/month • $1/mile
Cost Breakdown
Depreciation$13,198 (34%)
Insurance$10,680 (28%)
Fuel/Energy$7,219 (19%)
Maintenance$1,940 (5%)
Financing$5,105 (13%)
Registration$360 (1%)
Year-by-Year Costs
| Year | Depreciation | Insurance | Fuel | Maintenance | Total |
|---|---|---|---|---|---|
| Year 1 | $4,799 | $2,136 | $1,444 | $388 | $8,767 |
| Year 2 | $2,100 | $2,136 | $1,444 | $388 | $6,068 |
| Year 3 | $2,100 | $2,136 | $1,444 | $388 | $6,068 |
| Year 4 | $2,100 | $2,136 | $1,444 | $388 | $6,068 |
| Year 5 | $2,100 | $2,136 | $1,444 | $388 | $6,068 |
Key Facts
1-Year Depreciation
16% ($4,799)
5-Year Depreciation
44% ($13,198)
Annual Repair Cost
$388
Annual Maintenance
$388
These are estimates based on state averages. Your exact rate depends on your specific profile.
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