The Toyota 4Runner has long held a special place in the hearts of SUV enthusiasts — especially those who cherish off-road performance, rugged durability, and timeless styling. But one question often comes up when researching this iconic vehicle: Are 4Runners expensive to own?
This article explores everything you need to know about owning a 4Runner, from upfront costs to long-term expenses. We’ll take an in-depth look at factors such as fuel efficiency, maintenance, insurance, depreciation, and customization — helping you determine if the 4Runner’s prestige comes with a heavy price tag.
Breaking Down the Total Cost of 4Runner Ownership
To determine whether 4Runners are expensive to own, we must analyze several cost categories that contribute to their overall ownership expense. These include:
- Purchase price.
- Fuel costs.
- Insurance premiums.
- Maintenance and repairs.
- Depreciation over time.
- Customization and aftermarket upgrades.
By considering these aspects, we can build a comprehensive picture of 4Runner ownership — especially in comparison to similar vehicles in its class.
Purchase Price: New vs. Used Cost Considerations
The starting MSRP for a 4Runner varies depending on the trim level. The base 4Runner SR5 starts around $42,000, and with options, higher trims like the TRD Pro or Limited can cross $55,000. The limited production and enduring popularity of the 4Runner have led to premium pricing — especially for new models.
But used 4Runner prices are also inflated due to high demand and exceptional reliability. A 2017-2019 model with under 75,000 miles often commands over $35,000 today — far above the average depreciation curve for its segment. The resale value is impressive, but it does mean an owner may expect to pay more than expected for a vehicle that’s a few years old.
Fuel Economy: How Much Will You Spend on Gas?
The 4Runner’s powerful 4.0L V6 engine produces 270 hp and 278 lb-ft of torque, providing robust performance — but at the expense of fuel economy.
With an EPA-estimated 17 mpg combined (16 city, 19 highway for rear-wheel-drive models), the 4Runner is one of the thirstier midsize SUVs on the market. Here’s a comparison of average annual fuel costs:
| Vehicle | Average Annual Fuel Cost (15,000 miles/year) |
|---|---|
| Toyota 4Runner | $2,550 |
| Ford Bronco | $2,300 |
| Jeep Wrangler | $2,650 |
| Honda Pilot | $1,950 |
If you’re considering a 4Runner for daily commuting in a city without much off-roading, the fuel cost is a major factor. For weekend trail adventures, the cost trade-off may still be acceptable — but it’s notable.
Maintenance and Repair Costs: Durability vs. Expense
One of the 4Runner’s strongest selling points is reliability. It has a long-standing reputation for surviving extensive use without frequent mechanical issues — but reliability doesn’t always equate to low maintenance costs.
Common Maintenance Needs and Costs
Like any vehicle, the 4Runner regularly needs oil changes, brake pad replacements, tire rotations, and periodic inspections. Here are some typical maintenance costs:
- Oil change: $100–$150 (depending on synthetic oil and dealer vs. third-party shop).
- Brake pads: $250–$350 for front or rear set.
- Battery replacement: $150–$300.
- Tire replacement (4 off-road tires): $800–$1,200.
Major Repair Considerations
While repairs are relatively infrequent, when they do occur — particularly on older models — parts can be costly. Transmission repairs (though rare), suspension upgrades, and engine replacements on high-mileage trucks can run into thousands of dollars.
However, many 4Runner enthusiasts choose to perform DIY maintenance or work with smaller shops, which can greatly reduce costs. Toyota’s widespread dealership coverage and parts availability also improve long-term serviceability.
Insurance: How Much Will 4Runners Cost to Insure?
Insurance premiums are highly variable, based on owner age, driving record, vehicle value, and location. However, on average, owners can expect to pay the following annual premiums for full coverage:
- 4Runner SR5: $1,600 to $2,200.
- 4Runner TRD Pro/Limited: $1,800 to $2,500.
This is slightly higher than the average in its segment due to higher vehicle valuation and some off-road configurations increasing risk factors. However, compared to performance-based or luxury SUVs, the 4Runner’s insurance isn’t excessive.
Depreciation: Do 4Runners Hold Their Value?
What goes a long way in reducing ownership costs is strong retention of value over time. The 4Runner is widely recognized as having one of the best depreciation curves in its category — which is a huge advantage to prospective owners.
Here’s a snapshot of depreciation for a 2017 Toyota 4Runner (based on 36 months or ~45,000 miles of usage):
| Original MSRP | Current Resale Value | Depreciation Percentage |
|---|---|---|
| $42,000 | $36,000 | ~14% |
Compare that to the Honda Pilot at ~35% depreciation over the same period, and you realize the 4Runner retains a significant portion of its original price.
Part Costs and Labor: Do Aftermarket Parts Save You Money?
One often-overlooked aspect of car ownership is the cost of individual parts and accessories — particularly relevant for those who customize or perform weekend DIY maintenance.
OEM vs. Aftermarket Components
OEM (Original Equipment Manufacturer) parts from Toyota are known for quality and compatibility, but often at a premium. For example:
- OEM front bumper: $1,200–$1,800.
- Aftermarket front bumper: $400–$800.
However, Toyota’s dominance in global markets means third-party suppliers and online retailers offer competitive pricing for many standard parts. Enthusiasts can take advantage of these alternatives, especially when building trail-ready rigs that will see heavy use.
Most modifications, such as lift kits, skid plates, winches, and bush bars, are often purchased as kits that include mount kits, brackets, and hardware — sometimes reducing overall complexity and cost.
Customization and Upgrades: Hidden Costs of Ownership
Many 4Runner owners opt for off-road customizations, which can significantly raise the total cost of ownership. Some owners invest thousands of dollars into modifications such as:
- Heavy-duty suspension lifts ($1,200–$4,000).
- Off-road tires and wheels ($800–$2,000).
- Roof racks and lighting bars ($500–$1,500).
While the initial factory vehicle is ready for light trails, those aiming for true off-road mastery often feel compelled to add these features. It adds up significantly, especially if done all at once.
Cost-Benefit of Customization
The question here becomes: Is customization a luxury or a necessity?
For those who only want a capable daily driver with light trail capability, factory setups like the TRD Off-Road package offer good value with minimal spending.
However, for frequent off-roaders or camping enthusiasts, these upgrades may provide increased functionality and enjoyment — but they definitely require added investment in both money and time.
Comparing 4Runner Costs with Competitors
Understanding 4Runner ownership costs is best when weighed against other vehicles in the midsize SUV and off-road-capable category.
4Runner vs. Jeep Wrangler
The Jeep Wrangler is often compared to the 4Runner because of its off-road prowess. However, while the Jeep might slightly undercut in base model prices, depreciation is worse and maintenance can be higher due to vehicle frame construction and parts availability.
4Runner vs. Ford Bronco
The new Ford Bronco boasts impressive off-road tech and styling, and starts around $30,000 before options. In terms of base MSRP, it can offer savings. However, it’s newer and depreciation factors are still uncertain — and Bronco-specific parts or kits are often limited but rising in cost.
4Runner vs. Honda Pilot
The Honda Pilot offers a much smoother ride and better fuel economy, with lower maintenance and insurance profiles. However, it’s not off-road capable and offers less durability. It’s a better fit for families but not for adventure-seekers.
In a dollar-per-dollar comparison:
| Vehicle | 5-Year Ownership Cost Estimate |
|---|---|
| 4Runner | $34,000–$38,000 |
| Wrangler | $33,500–$37,000 |
| Bronco | $32,000–$36,000 |
| Pilot | $27,000–$31,000 |
The 4Runner is not necessarily the lowest-cost vehicle, but it’s competitive for its category.
Ownership Experience: Are the Costs Worth It?
Whether or not ownership of a 4Runner is “expensive” depends on what you value. If:
- You prioritize longevity and reliability.
- You desire off-road capability out of the gate.
- You appreciate low long-term depreciation.
Then yes, the costs are often worth it.
Peace of Mind and Resale Value
Even if daily fuel costs are elevated, and some parts are pricey, owners often feel the ownership satisfaction overshadows financial drawbacks — especially when your 4Runner stands strong after 15 years with minimal fuss.
This vehicle is less of a disposable SUV and more of a companion — and those who find that value often gladly pay the higher sticker price.
Conclusion: Is the 4Runner Expensive to Own?
So, are 4Runners expensive to own?
Yes — with caveats. The 4Runner commands a higher initial purchase price, has relatively high fuel and maintenance costs, and optional customizations can drive up total spending. However, it offers near-legendary reliability, strong resale value, and a compelling package for adventure-seekers and off-road enthusiasts.
Overall, the 4Runner is more expensive than some alternatives when considering direct operating costs, but this is tempered by how well it performs, lasts, and holds value.
If your heart is set on this rugged SUV, the answer is clear: the price may be high, but for what you get — both functionally and emotionally — the 4Runner often justifies the cost.
So whether new or lightly used, the Toyota 4Runner remains a symbol of enduring craftsmanship and trail-ready capability — making it an owner’s dream investment, especially for those who live for the wild side.
Stay tuned for more in-depth vehicle analysis, from budget-friendly commuter cars to trail monsters that won’t quit.
Are 4Runners expensive to maintain?
The Toyota 4Runner is known for its durability and reliability, which helps keep maintenance costs relatively low compared to other vehicles in its class. Routine maintenance such as oil changes, tire rotations, and brake inspections generally fall within average pricing ranges. However, due to the 4Runner’s off-road capabilities and truck-based platform, some wear-and-tear parts like suspension components and tires may need more frequent attention if the vehicle is regularly used for rugged driving.
That said, Toyota’s widespread dealer network and the availability of aftermarket parts mean that finding service providers and replacement parts is usually not an issue. Additionally, the 4Runner’s reputation for longevity allows many owners to spread out the cost of ownership over many years, improving its cost-per-year efficiency. Regular maintenance done on schedule can also help avoid more expensive repairs down the line.
What is the fuel efficiency of a Toyota 4Runner?
The Toyota 4Runner is powered by a 4.0L V6 engine that delivers strong off-road performance but is not particularly fuel-efficient. On average, the 4Runner gets about 16-17 miles per gallon (MPG) combined, with slightly lower numbers in city driving and modest improvements on the highway. This fuel economy rating is typical for a midsize SUV with body-on-frame construction and four-wheel-drive capabilities.
Fuel costs can add up depending on your driving habits and commuting distance. If you drive approximately 15,000 miles per year, you can expect to spend around $2,500 to $3,000 annually on fuel, based on average gas prices. Hybrid or electric alternatives may offer better fuel economy, but they do not match the 4Runner’s ruggedness and capability. Therefore, while fuel costs are on the higher side, many owners find they are a justified trade-off for the vehicle’s utility.
How does the 4Runner hold its value over time?
One of the standout features of the Toyota 4Runner is its strong resale value. Both new and used 4Runners tend to depreciate at a slower rate than most of their competitors. This is largely due to the vehicle’s long-term reliability, strong off-road reputation, and high demand in the used car market, especially among adventurers and outdoor enthusiasts. As a result, owners who decide to sell after a few years can often recoup a significant percentage of their initial investment.
The residual value is also supported by the 4Runner’s durable build quality, which lends itself to high mileage and years of dependable usage. Whether sold privately or traded in at a dealership, this high retention of value contributes to the vehicle’s overall cost-effectiveness. In reality, owning a 4Runner may end up costing less in the long run than purchasing a less expensive but less reliable vehicle that loses value quickly.
Are insurance costs for 4Runners higher than average?
Insurance costs for the Toyota 4Runner depend largely on the driver’s age, driving history, location, and the vehicle’s trim level, but in general, they are in line with those of other midsize SUVs. The 4Runner’s safety features, including Toyota Safety Sense, stability control, and a solid rollover resistance rating, help mitigate insurance premiums. However, because the 4Runner is seen as a rugged off-road vehicle, some insurers may consider it more likely to be driven in riskier conditions.
Additionally, being a sought-after used vehicle can contribute to higher theft rates in some areas, which may slightly increase comprehensive insurance rates. That said, because Toyota parts are widely available and repair costs are generally moderate, collision insurance doesn’t tend to be excessively expensive. Potential buyers should shop around for quotes from multiple insurers and take advantage of available discounts, such as those for safe driving or bundling policies.
What are the repair and part replacement costs for a 4Runner?
The cost of repairs and part replacements for the 4Runner is moderate, especially when compared to other vehicles in the same segment. Toyota’s reputation for reliability means that major mechanical failures are rare, especially when maintenance is kept up-to-date. Common repairs, such as replacing brakes, shocks, or the battery, typically cost similar to or slightly less than those of American-made SUVs like Jeep Wranglers or Ford Broncos, particularly as the 4Runner ages.
Because the 4Runner has been in production for several generations, the availability of both OEM and aftermarket parts is wide, which helps keep costs under control. For example, wheel bearings, suspension bushings, and exhaust systems can often be sourced at reasonable prices. Labor costs at dealerships may be higher, but independent mechanics familiar with Toyotas can provide more affordable alternative services, helping owners manage repair expenses over time.
What does it cost to buy a new Toyota 4Runner?
The starting Manufacturer’s Suggested Retail Price (MSRP) for a new Toyota 4Runner typically begins around $42,000 to $45,000, depending on trim and optional features. Higher trims like the TRD Off-Road, TRD Pro, and Limited can easily reach prices between $50,000 and $60,000, especially when equipped with packages or add-ons like larger wheels, advanced audio systems, or upfitted gear. This initial purchase cost can be a deterrent for some buyers, but it reflects the 4Runner’s strong capabilities and brand reputation.
When compared to similarly capable vehicles, such as the Jeep Wrangler Rubicon or Ford Bronco Badlands, the 4Runner remains competitive in terms of both pricing and value. However, tight supply and high demand have often resulted in dealer markups or limited availability, which can further raise the cost of a new 4Runner. Buyers should budget not only for the purchase price but also for taxes, registration, and potential down payments if financing through a loan.
What makes the 4Runner a good long-term value despite its costs?
Despite the upfront and ongoing costs associated with owning a Toyota 4Runner, it delivers excellent long-term value. Its combination of exceptional reliability, strong resale value, and capability makes it an excellent choice for those who want a durable vehicle that can handle a variety of terrains. The 4Runner’s rugged build and proven track record mean fewer trips to the repair shop and the ability to last well beyond 200,000 miles with regular maintenance.
Additionally, the lifestyle appeal and versatile functionality of the 4Runner can reduce the need for a second vehicle, especially for those who adventure frequently or require a rugged daily driver. When factoring in its low depreciation rate and relatively consistent ongoing expenses, the true cost of ownership per year drops significantly over time. For many buyers, the initial investment is justified by years of worry-free driving, versatility, and the confidence that comes from owning a trusted name in SUVs.