Toyota Camry Hybrid LE price & real 5-year cost in the U.S.

By Ivan H., EVCostIQ · reviewed against our public methodology · every source dated on this page

The Toyota Camry Hybrid LE starts at $29,000. As of August 6, 2026, over 5 years, owning one (hybrid) costs about $38,171 in the U.S. — $636/month, $0.64/mile — including depreciation, fuel, maintenance, insurance, financing and fees. That's $1,783 more than a comparable Honda Civic LX (gas) over the same 5 years.

Toyota Camry Hybrid LE · U.S. average · 5-year estimate$38,171 total · $636/mo · $0.64/mi

Where the money goes

5-year total cost of ownership by component, by vehicle (USD). Estimates; sources dated in the methodology.
Cost component	Hybrid · Toyota Camry Hybrid LE	Gas · Honda Civic LX
Depreciation (estimated)	$11,310 (30%)	$9,144 (25%)
Charging / fuel	$4,911 (13%)	$6,412 (18%)
↳ of which charging loss	—	—
Maintenance	$4,560 (12%)	$4,620 (13%)
Insurance	$11,500 (30%)	$11,000 (30%)
Financing interest	$4,890 (13%)	$4,213 (12%)
Registration & fees	$1,000 (3%)	$1,000 (3%)
Total cost of ownership	$38,171	$36,388

Toyota Camry Hybrid LE specs & assumptions

Starting MSRP: $29,000manufacturer base
Powertrain: Hybrid
Efficiency: 47 mpgEPA
Gas (US avg): $3.85/galAAA
Annual miles (assumed): 12,000adjustable in tool

Compare the Toyota Camry Hybrid LE against any car, your miles & your state

What else moves your Toyota Camry Hybrid LE cost

The 5-year total already folds in depreciation, fuel, insurance, maintenance and financing. These are the levers that actually move money on this car, biggest first — each figure re-run through the same kernel with one input changed. Levers that don't move $400+ here aren't listed.

Insurance. On a car this cheap to buy, insurance is the quiet giant: $11,500 over 5 years, 30% of the whole total and more than the fuel bill. Quotes swing widely by driver and ZIP, so get your own before deciding.
Financing. The total finances $26,000 of the $29,000 price at 7.0% over 60 months: $4,890 of pure interest, 13% of everything above. Paying cash or shopping the rate removes it outright — both are inputs in the calculator.
Efficiency. 47 mpg puts the Toyota Camry Hybrid LE above the 24 mpg median of the non-electric models we price — $4,707 less fuel over 5 years than a median car at the same pump price.
Fuel price. The total runs on the U.S. average $3.85/gal. Add a dollar to the pump price and this car's 5-year total rises $1,277 to $39,448 — at 47 mpg and 12,000 mi/yr, fuel is the lever your own driving moves most.
Depreciation curve. We cost the Toyota Camry Hybrid LE on its own residual curve, not the hybrid average: it holds 61% of its $29,000 after 5 years against 65% for a typical hybrid. That is about $1,160 more depreciation than the class curve would give it — and depreciation is $11,310 of the $38,171 above (30%).

Toyota Camry Hybrid LE cost anatomy — where the money concentrates

The Toyota Camry Hybrid LE costs about $38,171 to own over 5 years in the U.S. — $636/month, $0.64/mi at 12,000 mi/yr — and insurance is the biggest line: $11,500, 30% of the total (as of August 6, 2026).

Where the Toyota Camry Hybrid LE's $38,171 actually goes: insurance $11,500 (30%), depreciation $11,310 (30%), gas $4,911 (13%), financing interest $4,890 (13%), maintenance $4,560 (12%), registration & fees $1,000 (3%).
Per mile, that is $0.19 of depreciation and $0.08 of gas, with $0.37 for everything else — $0.64/mile all-in.
Gas vs the fleet: the Toyota Camry Hybrid LE's 5-year gas bill ($4,911) runs $4,322 below the $9,233 median of the 37 gas and hybrid models we price at the same rates.

What we assume for maintenance

Maintenance & repairs for the Toyota Camry Hybrid LE are costed at $0.076/mi (a model-specific rate below the hybrid average) — about $912/yr at 12,000 mi/yr, and $4,560 of the 5-year total above. That is within $60/yr of the $0.077/mi we cost for the gas Honda Civic LX it is compared against above ($4,620 over 5 years) — no meaningful servicing advantage either way.

Rates are anchored to U.S. DOE 2025 per-mile figures (AAA-calibrated) — full sourcing in the methodology. The total scales with the annual-miles input in the calculator.

Recalls & reliability record — Camry

Official U.S. National Highway Traffic Safety Administration (NHTSA) safety record for the Camry, MY 2017–2026. Figures cover all powertrains and trims sold under the Camry nameplate for the model years shown. A recall means a free remedy is available at no cost. Source: NHTSA (nhtsa.gov), data as of July 10, 2026.

Recalls (17)

Electrical System25V595000 · September 11, 2025
Dealers will update the instrument panel software over-the-air (OTA) for non-PHEV vehicles, free of charge.
Fuel System25V028000 · January 22, 2025
Dealers will replace the fuel pump assembly, free of charge.
Seats24V128000 · February 21, 2024
Dealers will replace the 60% rear seat-back frame sub-assembly, free of charge.
Air Bags23V865000 · December 20, 2023
Dealers will inspect and replace the sensor as necessary, free of charge.
Wheels23V432000 · June 15, 2023
Owners are advised not to drive their vehicles until the repair has been performed.
Do not drive until repaired — NHTSA “Park It” advisory.
Service Brakes21V890000 · November 17, 2021
Dealers will repair or replace the vacuum pump, as necessary, free of charge.
Fuel System20V682000 · November 4, 2020
Toyota will notify owners, and dealers will replace the fuel pump assembly with an improved one, free of charge.
Engine And Engine Cooling20V064000 · February 6, 2020
Toyota will notify owners, and dealers will inspect and replace the engine including the engine block, as necessary, free of charge.

Full recall history: every Camry campaign → — all 17 campaigns, grouped by year.

Consumer complaints

NHTSA has 1,968 consumer complaints on file for the Camry (MY 2017–2026). The most-reported areas: Power Train, Engine, Service Brakes. Complaints are unverified reports submitted by consumers to NHTSA.

Toyota Camry Hybrid LE head-to-head comparisons

The 5-year cost gap against the cars buyers cross-shop:

Where the Toyota Camry Hybrid LE numbers change most

Same car, same 5-year horizon, 51 different state rate sets: the total runs from $36,472 in Indiana to $39,594 in California — a $3,122 swing, 8% of its U.S.-average $38,171. Every 10¢/gal at the pump moves this car's total by about $128; state registration fees stack on top of that. Each link opens that state's cost table at the Toyota Camry Hybrid LE row.

Cheapest states for the Toyota Camry Hybrid LE

Indiana $36,472
Tennessee $36,720
Texas $36,724
Kentucky $36,776
Louisiana $36,782
Alabama $36,791

Most expensive states for the Toyota Camry Hybrid LE

California $39,594
Hawaii $39,510
Washington $39,034
Alaska $38,708
Oregon $38,585
Montana $38,385

Does any state change the verdict? No. Against the Honda Civic LX (gas) — the segment rival we price it against — the Honda Civic LX (gas) is cheaper in all 51 state rate sets, by $1,783 at the U.S. average. No state's mix of electricity, pump price and fees closes that gap, so there is no "it depends on where you live" story here.

Pick any of the 51 state hubs →

Compare with similar sedans

FAQ

What does the Toyota Camry Hybrid LE really cost to own over 5 years?

The Toyota Camry Hybrid LE costs about $38,171 to own over 5 years in the U.S. — about $636/month — including depreciation, fuel, maintenance, insurance, financing and fees.

How much does the Toyota Camry Hybrid LE cost per month?

About $636/month over 5 years in the U.S. ($0.64/mile) — depreciation, fuel, insurance, maintenance, financing and fees included.

Is the Toyota Camry Hybrid LE cheaper to own than the Honda Civic LX (gas)?

No — over 5 years the Toyota Camry Hybrid LE costs about $38,171 vs $36,388 for the Honda Civic LX (gas): $1,783 more.

How much does the Toyota Camry Hybrid LE cost in fuel over 5 years?

About $4,911 at 47 mpg and $3.85/gal (the U.S.) — already inside the 5-year total above.

How much does the Toyota Camry Hybrid LE cost to insure?

Budget about $2,300/yr for this class (Insurify/Bankrate 2026) — included in the total above. Quotes vary widely by driver and ZIP.

Does the Camry have any recalls?

Yes — NHTSA lists 17 recall campaigns for the Camry (MY 2017–2026) as of July 10, 2026. A recall means a free remedy is available at no cost; the most recent covers electrical system (25V595000). See the recalls list on this page.