Insurance
$1,610/yr
Full-coverage insurance averages $1,610 a year nationally for this vehicle — roughly 2.1× its maintenance bill. ACI estimate anchored to AAA's 2025 national average ($1,694/yr full coverage).
Toyota Tacoma Maintenance Cost (2016–2026)
Report ACI-TOY-TACOMA · Updated July 2026 · Figures are ACI model estimates
The Toyota Tacoma costs about $760 a year to maintain — $455 in year one rising to $1,085 by year ten, or $7,595 across a decade. That ranks #19 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-TACOMA
Toyota Tacoma
gas · midsize truck · MY 2016–2026
- Avg annual cost
- $760
- 10-year total
- $7,595
- Cost rank
- #19 of 52 vehicles
- Major-repair chance, 5 yr
- 12%
Average Annual Cost $760
$63per month
6.3¢per mile
Assumes 12,000 mi/yr · independent shop · 10-year average · ACI model estimate
The Toyota Tacoma ranks #19 of 52 vehicles we track — mid-pack for annual maintenance cost.
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 $750 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) | $95 | 10,000 mi |
| Cabin + engine air filters | $75 | 15,000 mi |
| Brake pads (front, pair) | $340 | 48,000 mi |
| Tires (set of 4) | $950 | 45,000 mi |
| Front + rear differential fluid | $170 | 40,000 mi |
Your numbers
Table recalculates with the settings panel| Vehicle age | Annual cost | Cumulative |
|---|---|---|
| Age 1 | $455 | $455 |
| Age 2 | $460 | $915 |
| Age 3 | $640 | $1,555 |
| Age 4 | $680 | $2,235 |
| Age 5 | $725 | $2,960 |
| 5-year total | $2,960 | $2,960 |
Ownership context
National averages · beyond the maintenance billCost rank
#19 of 52
The Toyota Tacoma ranks #19 of 52 vehicles we track — mid-pack for annual maintenance cost. One documented pattern: Automatic-transmission shift-quality complaints on 2016–2019 trucks, addressed by TSB reflashes. Verify open recalls for any vehicle at NHTSA.gov.
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 $950.
Against its rivals
Average annual maintenance · ACI model| Vehicle | Avg annual | 10-yr total | vs. Tacoma |
|---|---|---|---|
| Toyota TacomaThis page | $760 | $7,595 | — |
| Nissan Frontier | $863 | $8,630 | +$103/yr |
| Jeep Gladiator | $983 | $9,825 | +$223/yr |
Questions people ask
Is the Toyota Tacoma expensive to maintain?
It is about average. The Tacoma averages $760 a year in maintenance and typical repairs, ranking #19 of 52 vehicles on AutoCostIndex. That is mid-pack among vehicles we track.
What does a Toyota Tacoma cost to maintain per year?
$760 a year averaged over the first ten years — about $63 a month. Year 1 runs roughly $455; by year 10 the annual figure reaches $1085. Ten-year total: $7,595.
What are the most common Tacoma services?
The routine items are oil change (synthetic) (~$95), cabin + engine air filters (~$75), brake pads (front, pair) (~$340). 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 $1,610 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
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