Insurance
$1,830/yr
Insurance, not maintenance, is this vehicle's dominant running cost: $1,830 a year on a national average against $594 for upkeep. ACI estimate anchored to AAA's 2025 national average ($1,694/yr full coverage).
Toyota Camry Maintenance Cost (2016–2026)
Report ACI-TOY-CAMRY · Updated July 2026 · Figures are ACI model estimates
The Toyota Camry costs about $594 a year to maintain — $320 in year one rising to $870 by year ten, or $5,935 across a decade. That ranks #3 of 52 vehicles tracked by AutoCostIndex. Figures are modeled estimates at 12,000 miles a year with independent-shop labor, covering scheduled maintenance and expected repairs but not fuel, insurance, or depreciation.
Maintenance Cost Report ACI-TOY-CAMRY
Toyota Camry
gas · midsize car · MY 2016–2026
- Avg annual cost
- $594
- 10-year total
- $5,935
- Cost rank
- #3 of 52 vehicles
- Major-repair chance, 5 yr
- 10%
Average Annual Cost $594
$50per month
5.0¢per mile
Assumes 12,000 mi/yr · independent shop · 10-year average · ACI model estimate
The Toyota Camry ranks #3 of 52 vehicles we track — among the cheapest cars to keep running.
What it costs as it ages
Annual cost by vehicle age · ACI modelVehicle age, years · figures at 12,000 mi/yr, independent shop
Costs stay under $600 a year through year 5, then climb as tires (set of 4) and other wear items come due.
Common services
Typical U.S. pricing · independent shop| Service | Typical cost | Interval |
|---|---|---|
| Oil change (synthetic) | $90 | 10,000 mi |
| Cabin + engine air filters | $72 | 15,000 mi |
| Brake pads (front, pair) | $280 | 50,000 mi |
| Tires (set of 4) | $780 | 55,000 mi |
| Spark plugs (set) | $260 | 120,000 mi |
Your numbers
Table recalculates with the settings panel| Vehicle age | Annual cost | Cumulative |
|---|---|---|
| Age 1 | $320 | $320 |
| Age 2 | $325 | $645 |
| Age 3 | $500 | $1,145 |
| Age 4 | $530 | $1,675 |
| Age 5 | $570 | $2,245 |
| 5-year total | $2,245 | $2,245 |
Ownership context
National averages · beyond the maintenance billCost rank
#3 of 52
The Toyota Camry ranks #3 of 52 vehicles we track — among the cheapest cars to keep running.
Gas service profile
5 routine items
Routine costs are fluid-and-wear driven: oil at 10,000-mile intervals, filters, brakes, and tires. Tires (set of 4) is the single largest routine bill at $780.
Against its rivals
Average annual maintenance · ACI model| Vehicle | Avg annual | 10-yr total | vs. Camry |
|---|---|---|---|
| Toyota CamryThis page | $594 | $5,935 | — |
| Toyota Corolla | $517 | $5,165 | −$77/yr |
| Honda Civic | $654 | $6,540 | +$60/yr |
| Tesla Model 3 | $688 | $6,880 | +$94/yr |
| Honda Accord | $733 | $7,330 | +$139/yr |
Questions people ask
Is the Toyota Camry expensive to maintain?
No. The Camry averages $594 a year in maintenance and typical repairs, ranking #3 of 52 vehicles on AutoCostIndex. That places it among the cheapest vehicles we track to keep running.
What does a Toyota Camry cost to maintain per year?
$594 a year averaged over the first ten years — about $50 a month. Year 1 runs roughly $320; by year 10 the annual figure reaches $870. Ten-year total: $5,935.
What are the most common Camry services?
The routine items are oil change (synthetic) (~$90), cabin + engine air filters (~$72), brake pads (front, pair) (~$280). Intervals and full pricing for every service are in the table on this page.
What's not included in this estimate?
Fuel or charging, insurance (about $1,830 a year nationally for this vehicle), collision damage, parking, tolls, taxes, and registration. The figure covers scheduled maintenance plus typical age-related repairs, modeled per our methodology.
Keep exploring
More Toyota models
Similar running costs
Rankings & hubs
How we calculate this
Every figure on this page is a modeled estimate from the ACI maintenance model: each routine service is amortized per mile from its manufacturer-schedule interval, priced at independent-shop labor rates, with an age-based repair expectation on top. The method is open — the exact formula, its calibration against AAA's published ownership-cost study, and its limitations are on the methodology page. Your invoices will differ; the model sets expectations, it doesn't predict a single car.
REFERENCES: AAA — Your Driving Costs 2025 (fact sheet) · AAA — Average mechanic labor rates by state (2026) · NHTSA — Safety recalls lookup · ToyotaCare — no-cost maintenance, 2 years / 25,000 miles · Updated 2026-07-19