2022 Toyota Camry: Total Ownership Cost for Indiana Buyers

The Toyota Camry has earned a reputation as the benchmark midsize sedan for reliability and total ownership cost. The 2022 model year continues this tradition with improved standard technology and available hybrid powertrain options that make financial sense for many Indiana buyers.

Purchase Price Range

Used 2022 Camrys in Indiana are selling in the $22,000 to $30,000 range for LE and SE trims with 20,000 to 45,000 miles. The XSE and XLE trims command $2,000 to $4,000 premiums. The Camry Hybrid LE is priced $2,000 to $3,000 above comparable non-hybrid trims in the used market.

Fuel Cost

The 2022 Camry LE with the 2.5-liter four-cylinder averages 30 to 32 mpg in real-world Indiana combined driving, costing approximately $1,300 to $1,500 per year at 12,000 miles. The Camry Hybrid delivers 45 to 47 mpg combined, reducing annual fuel cost to approximately $900 to $1,100, saving $400 to $600 per year compared to the standard powertrain.

Insurance Cost

The Camry is one of the most insurance-friendly vehicles in its class. Full coverage in Indiana typically runs $1,000 to $1,400 per year, lower than most SUVs of comparable purchase price. The Camry's excellent safety ratings, widespread parts availability, and high repair cost predictability all contribute to its favorable insurance profile.

Maintenance

The Camry's 2.5-liter four-cylinder is one of the most proven engines in the industry. Routine maintenance through 60,000 miles typically costs $600 to $900, the lowest of any vehicle in this review. Oil changes every 7,500 to 10,000 miles, tire rotations, and air filter replacements are the primary scheduled services.

Depreciation and Resale

The Camry retains value better than most midsize sedans but not as well as popular SUVs. It holds approximately 50 to 55 percent of its value after three years, which is above average for the sedan segment. Hybrid trims retain value particularly well due to sustained demand.