Toyota Hilux Cost of Ownership
See the true 5-year cost of owning a Toyota Hilux 2.8 GD-6 SR AT (4×4) in South Africa — depreciation, fuel, insurance, maintenance, tyres and licensing — at the indicative SA new price of R935. The calculator below is pre-filled with this car's specifics — change any input to model your own deal.
5y total
R 824 190
at 20k km/yr
Per month
R 13 737
average over 5y
Per km
R 8.24/km
all-in cost
Resale at y5
R 486 200
≈ 52% retained
Indicative SA new price. Move the slider for the price you actually paid.
20,000 km is the SA average. Long-distance commuters and reps push 35,000+.
5 years is the SA mid-point — also the typical loan term.
5-year total cost · Toyota Hilux
R 824 190
R 13 737/month average · R 8.24/km · 100 000 km total
Depreciation
R 448 800
54% of TCO
Fuel
R 217 430
over 100 000 km
Insurance
R 108 000
R 1 800/mo midpoint
Resale
R 486 200
at end of year 5
Where the money goes
- DepreciationR 448 800
- FuelR 217 430
- InsuranceR 108 000
- MaintenanceR 20 400
- TyresR 22 000
- LicensingR 7 560
Annual cost over 5 years
Year 1 is heaviest because depreciation is steepest in the first 12 months. Years 4–5 rise again as service-plan cover ends.
Per-year breakdown
| Year | Depreciation | Fuel | Total |
|---|---|---|---|
| Year 1 | R 168 300 | R 43 486 | R 241 098 |
| Year 2 | R 84 150 | R 43 486 | R 156 948 |
| Year 3 | R 74 800 | R 43 486 | R 147 598 |
| Year 4 | R 65 450 | R 43 486 | R 143 948 |
| Year 5 | R 56 100 | R 43 486 | R 134 598 |
| Total | R 448 800 | R 217 430 | R 824 190 |
Insurance is a midpoint estimate for a 35-year-old suburban Joburg driver, comprehensive cover, 5% excess. Real spread is ±35% off this number. Maintenance assumes a typical SA service plan (3 years for mass-market, 5 years for premium / EV) before stepping up to post-plan costs. Tyres are annualised over the set's useful life. Licensing uses the Gauteng tariff — Western Cape, KZN and Eastern Cape are within ±15%.
About this car's running cost profile
Toyota Hilux 2.8 GD-6 SR AT (4×4) sits in the bakkie / pickup bracket on this calculator. That category drives the insurance midpoint (R1 800/month), tyre cost (R4 400/year average) and the depreciation curve. WLTP combined cycle. 4×4 automatic.
At a steady 20,000 km/year, your fuel bill works out to about R 43 486/year (R 217 430 over 5 years) at current SA prices. Push that to 30,000 km/year and the energy cost rises 50%, but cost-per-km falls because depreciation, insurance and licensing get spread over more kilometres.
The single biggest cost is depreciation — R 448 800over 5 years on the calculator's category curve, or roughly 54% of total ownership cost. The car is worth approximately R 486 200 ( 52% retained) at the end of year 5.
Toyota Hilux ownership cost — frequently asked questions
What is the 5-year cost of owning a Toyota Hilux in South Africa?
At an indicative SA new price of R935 and 20,000 km/year of typical mixed driving, the all-in 5-year cost works out to roughly R 824 190 — R 13 737 per month on average, or R 8.24/km. That includes depreciation (the biggest single cost at R 448 800 or 54% of the total), fuel (R 217 430), insurance (R 108 000), maintenance, tyres and licensing. Use the calculator above to model your own price, mileage, and finance terms.
How much does the Toyota Hilux depreciate over 5 years?
On the calculator's category-specific curve, the Toyota Hilux retains roughly 52% of its original value at the end of year 5 — that's a residual of about R 486 200 on an indicative R935 new price. Bakkies are the SA resale champions — Hilux, Ranger and D-Max routinely hold 50–55% at year 5.
Is the Toyota Hilux cheap to insure in South Africa?
For a bakkie / pickup priced around R935, expect comprehensive insurance midpoint of about R1 800/month for a 35-year-old suburban driver. Real quotes vary ±35% off this depending on age (younger = higher), postcode (high-theft areas = higher), claim history, tracker installation, and chosen excess. Get an actual quote from Naked, Discovery Insure or your broker before relying on the calculator's number.
What about maintenance after the service plan ends?
The Toyota Hilux's service plan typically runs 3 years from new — services, oil and filters covered. After that you pay out of pocket. The calculator estimates post-plan annual maintenance at around R7 500 for the Toyota Hilux's category, including major-service intervals plus normal wear (battery, shocks, fluids). Independent SA workshops can knock 20–35% off franchised dealer prices on out-of-plan servicing.
Should I finance the Toyota Hilux or pay cash?
From a pure cost-minimising perspective, paying cash beats financing — you avoid R151 470+ of interest on a typical 60-month loan at 12.25%. From a cash-flow perspective, financing keeps the upfront cost manageable (10% deposit instead of 100%) and lets your cash earn interest elsewhere. The TCO model lets you toggle finance on or off so you can see the true rand difference. If your alternative use of the cash is a money-market account at 8% per year, financing usually loses; if you'd be sinking the cash into a long-term investment expected to earn 12%+, financing can break even or win.
Sources: Fuel consumption (8.5 L/100km) is the manufacturer-published WLTP combined-cycle figure from Toyota SA. Indicative new price (R935) sourced from cars.co.za, autotrader.co.za and the manufacturer's SA price list, May 2026 — your dealer quote will vary ±5–8%. Depreciation curves modelled from TransUnion SA Auto Pricing Index residual patterns. Insurance midpoints from indicative quotes (35yo suburban driver, comprehensive, 5% excess). Maintenance from AA SA service cost guidance and RMI post-plan benchmarks. Tyre prices from SA fitment-centre listings May 2026. Licensing from RTMC Gauteng schedule. Calculator is a planning estimator with target accuracy ±10–15%. Not financial advice.