Toyota Camry (Hybrid SE FWD) cost to own in Canada — the true 5-year total
The Toyota Camry (Hybrid SE FWD) starts at $34,575. Over 5 years, owning one (hybrid) costs about $45,080 in Canada as of July 2, 2026 — $751/month, $0.60/km — including depreciation, fuel, maintenance, insurance, financing and registration.
Toyota Camry (Hybrid SE FWD) incentives & grants
Canada EVAP: up to $5,000 off an eligible new EV ($2,500 PHEV); Quebec / BC may add more. Shown for reference; not in the totals above. Source: Transport Canada.
Toyota Camry (Hybrid SE FWD) · Canada · 5-year estimate$45,080 total · $751/mo · $0.60/km
Where the money goes
| Cost component | Hybrid · Toyota Camry |
|---|---|
| Depreciation (estimated) | $16,596 (37%) |
| Charging / fuel | $5,796 (13%) |
| ↳ of which charging loss | — |
| Maintenance | $4,500 (10%) |
| Insurance | $11,750 (26%) |
| Financing interest | $5,938 (13%) |
| Registration & fees | $500 (1%) |
| Total cost of ownership | $45,080 |
Toyota Camry (Hybrid SE FWD) specs & assumptions
- Starting price
- $34,575manufacturer
- Powertrain
- Hybrid
- Efficiency
- 4.6 L/100kmNRCan
- Range
- 1100 kmNRCan
- Canada electricity
- 16.50c/kWhprovincial utilities
- Annual km (assumed)
- 15,000Canada average
Compare the Toyota Camry (Hybrid SE FWD) against any car, your km & your scenario
What the numbers say
The Toyota Camry (Hybrid SE FWD) costs about $45,080 to own over 5 years in Canada — $751/month, $0.60/km at 15,000 km/yr — and depreciation is the biggest line: $16,596, 37% of the total (as of July 2, 2026).
- Where the Toyota Camry (Hybrid SE FWD)'s $45,080 actually goes: depreciation $16,596 (37%), insurance $11,750 (26%), financing interest $5,938 (13%), gas $5,796 (13%), maintenance $4,500 (10%), registration & fees $500 (1%).
- Per km, that is $0.22 of depreciation and $0.08 of gas, with $0.30 for everything else — $0.60/km all-in.
- Gas vs the fleet: the Toyota Camry (Hybrid SE FWD)'s 5-year gas bill ($5,796) runs $5,418 below the $11,214 median of the 30 gas and hybrid models we price at the same rates.
What we assume for maintenance
Assumed $900/yr for a hybrid at 15,000 km/yr — about $4,500 of the 5-year total above. On this market's assumptions an EV runs about $525/yr less in maintenance than a gas car ($650 vs $1,175). See the methodology for sources; adjustable in the calculator.