Toyota Tacoma SR cost to own in New Jersey — the true 5-year total
The Toyota Tacoma SR starts at $32,145. As of July 1, 2026, over 5 years, owning one (gas car) costs about $43,216 in New Jersey — $720/month, $0.72/mile — including depreciation, fuel, maintenance, insurance, financing and fees. That's $9,606 less than a comparable Ford F-150 XLT (gas) over the same 5 years. New Jersey's electricity (23.5¢/kWh) is 25% above the U.S. average, and gas runs $3.87/gal here — both fed straight into the numbers above.
Toyota Tacoma SR · New Jersey · 5-year estimate$43,216 total · $720/mo · $0.72/mi
Where the money goes
| Cost component | Gas · Toyota Tacoma SR | Gas · Ford F-150 XLT |
|---|---|---|
| Depreciation (estimated) | $10,286 (24%) | $16,800 (32%) |
| Charging / fuel | $10,093 (23%) | $10,552 (20%) |
| ↳ of which charging loss | — | — |
| Maintenance | $6,060 (14%) | $6,840 (13%) |
| Insurance | $11,000 (25%) | $11,000 (21%) |
| Financing interest | $5,481 (13%) | $7,335 (14%) |
| Registration & fees | $295 (1%) | $295 (1%) |
| Total cost of ownership | $43,216 | $52,822 |
Toyota Tacoma SR specs & assumptions
- Starting MSRP
- $32,145manufacturer base
- Powertrain
- Gas
- Efficiency
- 23 mpgEPA
- New Jersey gas
- $3.87/galAAA
- Annual miles (assumed)
- 12,000adjustable in tool
Compare the Toyota Tacoma SR against any car, your miles & your state
What else moves your Toyota Tacoma SR cost
The 5-year total already folds in depreciation, fuel, insurance, maintenance and financing. Here's how the biggest levers work — and the ones that sit outside the total.
- Financing. Borrow the full $32,145 at a typical 7.2% new-car APR over 60 months and interest alone adds about $6,228. Lower the APR or add a down payment in the calculator and the total drops — financing is in the 5-year figure above.
- Insurance. Budget about $2,200/yr to insure this class — our own estimate, calibrated to Insurify/Bankrate 2026, included in the total above. Quotes vary widely by driver and ZIP, so get your own before deciding.
- Fuel price. The total uses New Jersey's pump price of $3.87/gal. Enter your local price in the calculator — at high-mileage driving it's the biggest single lever.
Recalls & reliability record — Tacoma
Official U.S. National Highway Traffic Safety Administration (NHTSA) safety record for the Tacoma, MY 2017–2026. Figures cover all powertrains and trims sold under the Tacoma nameplate for the model years shown. A recall means a free remedy is available at no cost. Source: NHTSA (nhtsa.gov), data as of .
Recalls (18)
- Equipment
Dealers will replace the load carrying capacity modification label, free of charge.
- Power Train
Dealers will inspect and replace both front driveshaft assemblies as necessary, free of charge.
- Electrical System
Dealers will update the instrument panel software over-the-air (OTA) for non-PHEV vehicles, free of charge.
- Service Brakes
Dealers will replace both rear brake hoses, free of charge.
- Steering
Dealers will inspect and replace the spiral cable assembly as necessary, free of charge.
- Equipment
GST will mail new labels to owners, free of charge.
- Power Train
Dealers will inspect the rear axle assembly, tighten the axle retaining nuts as necessary, and repair or replace any damaged components, free of charge.
- Steering
Dealers will inspect and replace the spiral cable assembly, if necessary, free of charge.
Full recall history: every Tacoma campaign → — all 18 campaigns, grouped by year.
Consumer complaints
NHTSA has 1,559 consumer complaints on file for the Tacoma (MY 2017–2026). The most-reported areas: Power Train, Service Brakes, Fuel/Propulsion System. Complaints are unverified reports submitted by consumers to NHTSA. Counts here are from NHTSA’s complaint flat-file export, which lists this nameplate under records the model-lookup API omits.
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