Edmunds True Cost to Own (TCO) is a five-year overall estimated cost of buying and owning a vehicle. Many new car buyers don’t realize that there’s a big difference between the price of the vehicle and the amount you actually pay. TCO takes many factors into account in order to paint a clearer photo of the actual price a buyer will pay. These factors include: depreciation, taxes and fees, financing, fuel, insurance, maintenance and repairs. For the examples below, we’ve used the base trim level Subaru models and the lowest-cost competitor trim level that includes AWD.
MSRP: $27,723
True Cost to Own: $34,573
Depreciation: $11,995
Taxes & Fees: $359
Financing: $3,859
Fuel: $8,877
Insurance: $4,183
Maintenance: $4,472
Repairs: $828
MSRP: $27,735
True Cost to Own: $35,884
Depreciation: $11,670
Taxes & Fees: $359
Financing: $3,616
Fuel: $9,210
Insurance: $4,570
Maintenance: $5,681
Repairs: $778
MSRP: $29,445
True Cost to Own: $34,739
Depreciation: $12,837
Taxes & Fees: $359
Financing: $4,349
Fuel: $8,563
Insurance: $4,010
Maintenance: $4,167
Repairs: $904
MSRP: $23,943
True Cost to Own: $33,678
Depreciation: $11,566
Taxes & Fees: $359
Financing: $3,394
Fuel: $8,563
Insurance: $4,644
Maintenance: $4,324
Repairs: $828
MSRP: $32,170
True Cost to Own: $40,788
Depreciation: $14,277
Taxes & Fees: $359
Financing: $4,001
Fuel: $11,942
Insurance: $5,121
Maintenance: $4,146
Repairs: $942
MSRP: $34,985
True Cost to Own: $42,130
Depreciation: $17,512
Taxes & Fees: $359
Financing: $4,475
Fuel: $9,557
Insurance: $5,181
Maintenance: $4,369
Repairs: $677
MSRP: $25,467
True Cost to Own: $33,256
Depreciation: $10,670
Taxes & Fees: $359
Financing: $3,644
Fuel: $8,877
Insurance: $4,269
Maintenance: $4,609
Repairs: $828
MSRP: $28,398
True Cost to Own: $33,970
Depreciation: $10,177
Taxes & Fees: $359
Financing: $3,738
Fuel: $9,939
Insurance: $4,488
Maintenance: $4,491
Repairs: $778
MSRP: $28,940
True Cost to Own: $36,379
Depreciation: $11,864
Taxes & Fees: $359
Financing: $3,634
Fuel: $10,354
Insurance: $4,570
Maintenance: $4,630
Repairs: $968
MSRP: $24,606
True Cost to Own: $35,285
Depreciation: $12,527
Taxes & Fees: $359
Financing: $3,683
Fuel: $8,563
Insurance: $4,654
Maintenance: $4,671
Repairs: $828
MSRP: $31,125
True Cost to Own: $37,268
Depreciation: $13,611
Taxes & Fees: $359
Financing: $4,070
Fuel: $9,939
Insurance: $4,639
Maintenance: $3,774
Repairs: $876
MSRP: $27,290
True Cost to Own: $36,068
Depreciation: $10,757
Taxes & Fees: $359
Financing: $3,612
Fuel: $11,297
Insurance: $4,397
Maintenance: $4,949
Repairs: $697
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