Insurance
$2,500/yr
Insurance, not maintenance, is this vehicle's dominant running cost: $2,500 a year on a national average against $455 for upkeep.
Toyota Camry Maintenance Cost (2016–2026)
Report ACI-TOY-CAMRY · Updated July 2026 · Figures are ACI model estimates
Maintenance Cost Report ACI-TOY-CAMRY
Toyota Camry
gas · midsize car · MY 2016–2026
- Avg annual cost
- $455
- 10-year total
- $4,550
- Cost rank
- #7 of 52 vehicles
- Major-repair chance, 5 yr
- 10%
Average Annual Cost $455
$38per month
3.8¢per mile
Assumes 12,000 mi/yr · independent shop · 10-year average · ACI model estimate
The Toyota Camry ranks #7 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 $450 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 | $70 | $70 |
| Age 2 | $90 | $160 |
| Age 3 | $240 | $400 |
| Age 4 | $330 | $730 |
| Age 5 | $420 | $1,150 |
| 5-year total | $1,150 | $1,150 |
Ownership context
National averages · beyond the maintenance billCost rank
#7 of 52
The Toyota Camry ranks #7 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 | $455 | $4,550 | — |
| Toyota Corolla | $413 | $4,130 | −$42/yr |
| Tesla Model 3 | $415 | $4,150 | −$40/yr |
| Honda Civic | $482 | $4,820 | +$27/yr |
| Honda Accord | $498 | $4,975 | +$43/yr |
Questions people ask
Is the Toyota Camry expensive to maintain?
No. The Camry averages $455 a year in maintenance and typical repairs, ranking #7 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?
$455 a year averaged over the first ten years — about $38 a month. Year 1 runs roughly $70; by year 10 the annual figure reaches $880. Ten-year total: $4,550.
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 $2,500 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
Figures come from the ACI maintenance model: manufacturer service schedules priced at typical U.S. independent-shop rates, plus expected age-related repairs weighted by published reliability patterns. The calculator scales costs with mileage (wear factor) and shop choice. Figures are modeled estimates — your invoices will differ. Full detail on the methodology page.
SOURCES: ACI maintenance model v1 · manufacturer service schedules · 2026 U.S. parts & labor pricing · published reliability studies · Updated 2026-07-19