When shopping for a new Toyota Camry, potential buyers are often drawn to two of its most popular trim levels: the XLE and the XSE. While both trims offer a compelling mix of comfort, technology, and performance, understanding which one is more expensive is crucial for making an informed purchasing decision. This article dives into the pricing, features, design elements, and overall value of the Toyota Camry XLE vs. XSE, helping you determine which trim is more suitable for your needs and budget.
Understanding the Toyota Camry Lineup
Before diving into the two trims, it’s important to get a clear picture of the Camry’s overall lineup. The Toyota Camry is available in several configurations, starting from the base LE and ascending through the SE, XLE, XSE, and up to the hybrid and limited editions. The XLE and XSE are positioned in the mid to upper mid-tier of the lineup, each offering a different blend of features and personality.
Trim Positioning
- XLE usually represents a more upscale, luxury-focused version of mid-level Camry models.
- XSE often reflects a sportier variant, appealing to buyers who want an athletic feel and a bolder design.
Consumer Demographics
- XLE: Preferred by professionals, families, and those looking for a more refined, comfortable driving experience.
- XSE: Attracts buyers who seek a dynamic driving experience, a sporty aesthetic, and a modern tech interface.
Pricing Breakdown: XLE vs. XSE
When comparing the Camry XLE and XSE, the first question buyers are likely to ask is: which is more expensive? The short answer is that the Toyota Camry XSE generally has a higher starting price than the XLE, and maintains a higher price point due to additional features that emphasize performance and style.
2024 Manufacturer’s Suggested Retail Price (MSRP)
Let’s take a closer look at the 2024 Camry lineup pricing for each trim:
| Trim Level | Engine Option | Base MSRP (2024) | Hybrid Option MSRP |
|---|---|---|---|
| Camry XLE | 2.5L 4-Cylinder | $29,900 | $34,250 (XLE Hybrid) |
| Camry XSE | 2.5L 4-Cylinder or 3.5L V6 | $31,240 (with 2.5L), $35,270 (with 3.5L V6) | $35,580 (XSE Hybrid – 2.5L) |
Price Differences
- For the non-hybrid version, the XSE starts around $1,340 more than the XLE with the same 2.5L engine.
- The V6 engine option adds significantly more to the XSE, making it one of the more expensive gasoline-only Camry variants.
- Hybrid versions maintain a closer gap but still see the XSE commanding a slightly higher price.
Additional Fees
It’s also important to factor in destination and delivery charges, which are the same across all trims, typically adding around $1,095. However, as the XSE comes with sportier upgrades, performance enhancements, or optional packages, the as-equipped price can rise further compared to the XLE.
Engine and Powertrain Comparison
The heart of the price difference between the Camry XLE and XSE lies in their standard engine offerings and available upgrades.
Engine Specifications
Camry XLE: Standard powertrain includes a 2.5L 4-cylinder engine (203 hp, 184 lb-ft of torque). All-wheel drive (AWD) is an option, and a hybrid variant is also available for better fuel efficiency.
Camry XSE: Base version comes with the same 2.5L engine as the XLE but with a sport-tuned version (206 hp, 186 lb-ft). However, the real differentiator is the optional 3.5L V6 engine that delivers 301 hp and 267 lb-ft of torque — significantly more than the I4 engines. A sport-tuned suspension is standard on the XSE, along with paddle shifters.
Transmission
Both XSE and XLE come standard with an 8-speed automatic transmission.
Hybrid Powertrains
Both trims offer hybrid variants which integrate a 2.5L naturally aspirated engine with a pair of electric motors for improved efficiency. However, the XSE Hybrid generally includes more aggressive styling and dynamic upgrades, leading to a modest price bump.
Performance Comparison Summary
- XLE: Focus on comfort, fuel efficiency, and luxury.
- XSE: Focus on driving dynamics, sportiness, and performance options, especially with V6 engine.
- Higher engine output + unique performance upgrades = higher MSRP for XSE.
Interior Features and Comfort Levels
When comparing interiors, both XLE and XSE offer luxurious appointments but with differing philosophies.
Seats and Materials
Camry XLE: Features soft-touch surfaces, leather-clad steering wheel, ambient lighting, and available soft-touch materials across the dashboard. Upholstery is typically fabric or leather (higher packages).
Camry XSE: Adds bolstered front sport seats, contrast stitching, and steering wheel paddles. It also offers Alcantara or synthetic leather options for enhanced tactile feel.
Technology and Infotainment
Let’s take a look at what each trim brings in terms of driver tech:
| Feature | Camry XLE | Camry XSE |
|---|---|---|
| Touchscreen Size | 12.3 inches | 12.3 inches |
| Apple CarPlay / Android Auto | Standard | Standard |
| Digital Instrument Cluster | 7-inch | 10-inch color display (standard with V6) |
| Audio System Quality | Standard 9-speaker JBL setup | JBL 9-speaker system standard; optional uplevel |
| Heads-up Display | Not available | Available with Premium Package |
Notable Interior Differences
- XSE offers more sport-infused cabin features, like aluminum trim, sport pedals, and carbon fiber accents.
- The XSE with V6 gains the bigger digital cluster.
- XLE leans toward traditional luxury and elegance.
Exterior Styling and Design
The most noticeable difference between the XLE and XSE is in their styling direction. One appeals to comfort-oriented buyers, and the other to drivers with sporty ambitions.
Visual Character
- Camry XLE: Uses the standard Camry fascia but highlights a more mature, restrained style. Available in all exterior colors, but without aggressive body kits.
- Camry XSE: Has a blacked-out grille (with chrome highlights), dual exhaust, gloss-black trim, and available LED fog lights. It also can be equipped with larger alloy wheels (up to 19 inches).
Aerodynamic Enhancements
Toyota designs the XSE with body enhancements that not only improve its sports appeal but also contribute to better aerodynamics.
Color Options
- The XSE may offer unique paint finishes or two-tone combinations that aren’t available on the XLE.
- Metallic paint adds an extra premium, often pushing the final cost marginally higher for XSE.
Standard Features and Optional Packages
Both trims are well-equipped, but the types of features differ. Let’s highlight what each comes with out-of-the-box and what may be added via packages.
Standard Safety Technology
Toyota Safety Sense 3.0 is standard on both trims and includes:
- Pre-collision system with pedestrian detection
- Full-speed adaptive cruise control
- Lane departure alert with steering assist
- Automatic high beams
- Road sign assist
Advanced Features
| Feature | XLE | XSE |
|---|---|---|
| Adaptive Suspension | No | Available |
| Dual-Mode Climate Control | Yes | Available |
| Wireless Charging | Yes | Yes |
| Smart Key with Push Button Start | Standard | Standard |
| Remote Start | Available | Standard |
Optional Packages
- Camry XLE Premium Package brings in a bird’s-eye view monitor, panoramic roof, and heated/ventilated front seats.
- Camry XSE Premium Package: Adds performance features like adaptive suspension, dynamic radar cruise control, and a JBL premium audio system.
Driving Dynamics and Suspension
The driving experience is where the XSE truly differentiates itself from the XLE.
Suspension Tuning
- XLE: Comfort-focused suspension, ideal for highway commutes and long-distance travel.
- XSE: Sport-tuned suspension, including an optional adaptive version for improved handling and feedback.
Steering and Braking
- XSE receives paddle shifters and a more direct steering wheel feel.
- With V6, XSE also comes with larger front brakes than XLE.
Available Modes
The XSE often offers Sport or Custom driving modes, while the XLE focuses more on comfort and ease of use.
Value Retention and Fuel Efficiency
While the XSE starts at a higher price, many buyers consider depreciation and fuel efficiency when evaluating whether the higher cost is justified in the long run.
Fuel Economy Comparison
Non-Hybrid Models:
| Trim | Engine | MPG City | MPG Highway |
|---|---|---|---|
| XLE | 2.5L I4 | 28 | 37 |
| XSE | 2.5L I4 | 26 | 35 |
| XSE | 3.5L V6 | 22 | 33 |
Hybrid Models:
| Trim | MPG City | MPG Highway |
|---|---|---|
| XLE Hybrid | 52 | 53 |
| XSE Hybrid | 47 | 49 |
Key Insight:
- The XSE with V6 engine gets notably lower fuel economy than the I4 or hybrid variants.
- Even the base XSE (2.5L) sacrifices around 2 MPG versus XLE for a more engaged driving experience.
- For most buyers, the XLE offers better long-term fuel efficiency and lower depreciation due to its luxury-oriented build and broader appeal.
Total Cost of Ownership
Purchasing cost is just one part of the vehicle lifecycle. Let’s talk about the long-term value of the Camry XLE vs. XSE.
- Maintenance and Repairs: Both trims benefit from Toyota reliability and low-cost maintenance.
- Incentives: Hybrid variants of both trims may qualify for federal or state tax credits.
- Resale Value: The XLE generally holds value slightly better than XSE because of its wider appeal and better fuel economy (especially in hybrid versions).
Who Should Buy Which Trim?
Deciding between the Camry XLE and XSE isn’t just about which is more expensive—it’s about matching a trim to your lifestyle and priorities.
Camry XLE Is Ideal For:
- Buyers seeking a luxurious, upscale sedan experience
- Drivers who prioritize fuel economy and long-distance comfort
- Those with a slightly more practical and budget-conscious approach
Camry XSE Is Ideal For:
- Car enthusiasts looking for engaging driving dynamics
- Buyers wanting a sportier look and feel
- Drivers who value advanced features and tech enhancements
Final Verdict: Is the XSE Worth the Extra Cost?
In short, the Toyota Camry XSE is more expensive than the XLE, whether you choose the standard I4 engine or opt for the V6 model.
But whether it’s worth the extra cost depends on your preferences:
- If you value performance, styling, and tech options, especially with the V6, the XSE is a great investment despite the higher MSRP.
- If cost, resale value, and fuel economy weigh heavier on your decision, then the XLE may be the smarter buy, even though it sacrifices a bit on the sporty side.
Ultimately, the Camry XSE appeals to drivers who want their sedan to feel more like a sports coupe — at a modest premium. Toyota’s Camry XSE offers more than just badges — it delivers a more immersive and dynamic driving experience.
Conclusion
To summarize:
- The XSE is more expensive upfront due to upgraded engines, sportier styling, and dynamic upgrades.
- The XLE focuses on luxury, efficiency, and long-term value.
- Hybrid and premium packages affect pricing further.
- The type of driver you are determines whether this added expense is justifiable.
If you’re in the market for a Camry and unsure which trim to choose, taking both trims for a test drive can help highlight not only the differences in look and feel but also in driving behavior — which might be the most important factor in your final decision.
Whether you choose the comfort-focused Camry XLE or the more spirited Camry XSE, Toyota ensures you’re getting a reliable, tech-savvy car. Now you have the tools to decide which one is right — and worth it — for you.
What is the main difference between the Camry XLE and XSE trims?
The Camry XLE and XSE trims differ primarily in their target audience and design philosophy. The XLE is geared toward drivers who value comfort, luxury, and a refined driving experience. It typically comes with more standard features like leather upholstery, premium audio systems, and a more comfortable ride due to its suspension tuning. In contrast, the XSE is aimed at drivers who want a sportier appearance and driving dynamics, including a more aggressive front fascia, dual exhaust system, and a lower, stiffer suspension for improved handling.
Under the hood, the XSE often features a more powerful engine compared to the XLE, especially in newer model years where the XSE comes with a 301-horsepower V6 engine, while the XLE is usually equipped with a more fuel-efficient four-cylinder or hybrid option. The XSE also offers paddle shifters and a sport-tuned transmission, making the driving experience more engaging. These differences significantly influence pricing, as the enhanced performance and sportier styling of the XSE typically make it more expensive than the XLE.
Which Camry trim, XLE or XSE, has a higher starting price?
The Camry XSE generally has a higher starting price than the XLE due to its sport-oriented features and upgraded equipment. For the latest model year, the XSE comes with a more potent engine, enhanced suspension, and additional sport styling cues that push the base MSRP higher. It also tends to include more performance-focused technology and convenience features as standard, compared to the XLE which focuses on comfort and efficiency.
While both trims offer similar technology features such as touchscreen infotainment systems, driver-assistance packages, and available all-wheel drive, the XSE’s sport enhancements give it a price edge from the outset. This is especially true when comparing equivalent equipment levels; adding similar sport suspension, upgraded engine specs, or dual exhaust to an XLE would bring its final cost closer to or even exceed that of the XSE.
Do optional packages affect the price difference between Camry XLE and XSE?
Yes, optional packages can significantly influence the final cost of both the Camry XLE and XSE, narrowing or widening the price gap between the two trims. The XLE, being more comfort-focused, might offer packages that include things like enhanced safety suites, sunroofs, or luxury seating options that can add thousands to the final price. These packages appeal to buyers looking for a more upscale, tech-laden experience without performance enhancements.
On the other hand, the XSE might offer performance-oriented packages, such as upgraded brake systems, larger wheels, or even limited-slip differentials, which can further increase the price. However, because the XSE starts with more performance and sport features already included, the need for these packages may not be as critical. Ultimately, how each buyer customizes their vehicle determines how much each trim will cost in the end, though the XSE usually remains more expensive even without significant upgrades.
Are there any hidden costs that might make one trim more expensive over time?
Over time, the operating and maintenance costs of either the Camry XLE or XSE can affect overall ownership expense. The XSE’s more powerful engine and sport-tuned components may lead to higher fuel consumption, particularly if the V6 engine is selected. This can add up over time, especially during long commutes or frequent highway driving. Additionally, performance-oriented parts such as brakes and suspension components may wear faster or cost more to replace than those found on the XLE.
Insurance costs for the XSE may also be slightly higher than the XLE, as performance vehicles typically fall into higher insurance brackets. However, the difference in insurance costs may not be substantial unless the XSE is being driven by a younger or less experienced driver. Both trims come with Toyota’s reliable engineering, so routine maintenance costs should remain relatively similar, assuming regular service intervals and no mechanical modifications.
Is the Camry XSE worth the extra cost compared to the XLE?
Whether the Camry XSE is worth the extra cost depends largely on your priorities and lifestyle. If you enjoy a sportier driving experience with responsive handling, a more powerful engine, and a more aggressive appearance, the XSE may be worth the premium. It’s a great option for drivers who want to blend family-friendly practicality with a more dynamic feel behind the wheel, without stepping into full sport sedan territory.
However, if comfort, fuel economy, and a luxurious ride are more important to you, the XLE might offer greater value. It’s especially appealing if you’re considering the hybrid version for improved efficiency or seeking a more serene and comfortable driving experience for daily commuting or road trips. Ultimately, test-driving both models and comparing their features against your budget and preferences will help determine if the extra cost of the XSE is justified.
How does fuel efficiency compare between the Camry XLE and XSE?
Fuel efficiency varies significantly between the Camry XLE and XSE, with the XLE typically offering better mileage, especially in four-cylinder and hybrid configurations. The standard 2.5L four-cylinder engine in the XLE achieves an EPA-estimated 29 mpg in the city and 41 mpg on the highway, while the XSE with the 3.5L V6 engine only manages 22 mpg city and 33 mpg highway. This difference can make the XLE more cost-effective over time for frequent drivers and budget-conscious buyers.
Hybrid versions of the XLE offer even greater efficiency, often surpassing 50 mpg combined. These high-efficiency models are not available for the XSE, which is typically offered only with the gas-powered V6 or a 2.5L engine that lacks the hybrid option. As a result, the XLE is often more fuel-efficient, making it an increasingly attractive option in today’s climate-conscious market.
What are the key features that justify the higher price of the XSE?
The higher price of the Camry XSE is justified by its performance-driven engineering and sporty design elements. It comes with a more powerful engine, a sport-tuned suspension for improved handling, a dual exhaust system, and a more aerodynamic body kit for a dynamic driving experience. These enhancements provide drivers with increased responsiveness, sharper steering feedback, and a more engaging drive, particularly for those who appreciate a spirited performance around curves or highways.
In addition to performance benefits, the XSE offers unique interior touches like sport seats with available leather-trimmed upholstery, paddle shifters, and a more driver-focused cockpit design. Buyers also gain distinctive exterior styling features such as bi-LED headlights, a rear spoiler, and dual chrome exhaust tips. These characteristics justify the added cost for buyers who prioritize driving excitement and a sportier appearance over the XLE’s comfort-focused approach.