Toyota Camry Hybrid XLE/SE
What it costs to keep fuelled
$1,043a year, fuel only
The 2020 Toyota Camry Hybrid XLE/SE is EPA-rated at 46 MPG combined (44 city / 47 highway). Over 15,000 miles a year that is about 326 gallons, $1043 a year in fuel, or $0.070 per mile at $3.20/gal.
Across its full 2014–2020 run it averages 41.9 MPG, improving by 7 MPG over 7 model years.
The band is how far one gallon carries it: 46 of the 60 MPG this scale runs to. The square tick is the midsize cars average, 27.1.
- Fuel, per year
- $1,043 at 15,000 mi
- Per mile
- $0.070
- Per kilometre
- $0.043
- Gallons burned/yr
- 326
1 mile = 1.609344 km · fuel at $3.20/gal, fixed JUL 2026
Test figure — not a road resultSOURCE·US EPA fuel-economy test data·FUEL ASSUMED AT $3.20/GAL FROM JUL 2026·REVIEWED JUL 2026
How this is worked out
- Start from the EPA combined figure for the model year — a laboratory test cycle run to a fixed procedure, not a road result. Where a year sold several engines or drivetrains, the trims are averaged and the trim count is printed beside the row so you can see how much averaging is behind it.
- Fix a pump price. This site keeps one reference price, $3.20 a US gallon, fixed JUL 2026 and printed next to every dollar figure it produces. It is an assumption with a date on it, not a quote — put your own price in.
- Fix an annual distance. Every annual figure on this site uses 15,000 miles a year, roughly the US average. A cost per year with no stated distance is not a number, it is a mood.
- Divide distance by economy for gallons, multiply by price for the year's fuel, divide price by economy for one mile. The per-kilometre line is that last figure divided by 1.609344 — the same money, in the unit most of the world drives in.
- Stop there. No depreciation, no tyres, no insurance, no servicing. This is the fuel line of the ledger and it is labelled as one; depreciation usually dwarfs everything on it.
gallons/yr = miles/yr ÷ MPG fuel $/yr = gallons/yr × $/gal cost $/mi = $/gal ÷ MPG cost $/km = cost $/mi ÷ 1.609344
The full method, the licence note, and what a test figure cannot tell you →
Re-run the ledger at another pump price
Every line above rests on one pump price. Here is the same entry re-costed at six others, because the price is the part that changes while the test sheet stays put.
| Fuel price | Per mile | 10,000 mi/yr | 15,000 mi/yr | 20,000 mi/yr |
|---|---|---|---|---|
| $2.50/gal | $0.054 | $543 | $815 | $1087 |
| $3.00/gal | $0.065 | $652 | $978 | $1304 |
| $3.20/gal | $0.070 | $696 | $1043 | $1391 |
| $3.50/gal | $0.076 | $761 | $1141 | $1522 |
| $4.00/gal | $0.087 | $870 | $1304 | $1739 |
| $4.50/gal | $0.098 | $978 | $1467 | $1957 |
| $5.00/gal | $0.109 | $1087 | $1630 | $2174 |
SOURCE·US EPA fuel-economy test data·FUEL ASSUMED AT $3.20/GAL FROM JUL 2026·REVIEWED JUL 2026
The whole service history, sheet by sheet
7 model years on file. Read down the combined column: a nameplate that got heavier shows it here long before any brochure admits it.
| Year | Combined | City | Highway | EPA fuel cost/yr | CO₂ g/mi | Trims |
|---|---|---|---|---|---|---|
| 2020 | 46 MPG | 44 | 47 | $1350 | 195 | 1 |
| 2019 | 46 MPG | 44 | 47 | $1350 | 195 | 1 |
| 2018 | 46 MPG | 44 | 47 | $1350 | 195 | 1 |
| 2017 | 38 MPG | 40 | 37 | $1650 | 230 | 1 |
| 2016 | 39 MPG | 40 | 37 | $1600 | 229 | 1 |
| 2015 | 39 MPG | 40 | 37 | $1600 | 229 | 1 |
| 2014 | 39 MPG | 40 | 37 | $1600 | 229 | 1 |
Where a model year offered several engines or drivetrains, the figure is the average across all EPA-tested trims that year — the trim count is shown so you can see how much averaging is involved.
SOURCE·US EPA fuel-economy test data·FUEL ASSUMED AT $3.20/GAL FROM JUL 2026·REVIEWED JUL 2026
Marked against the rest of the midsize cars bay
Among the 261 midsize cars models tracked here, the Toyota Camry Hybrid XLE/SE ranks 19 on current figures, against a class average of 27.1 MPG — the square tick on the gauge above.
Closest more-efficient alternatives in the same class: Hyundai Sonata Hybrid (47), Toyota Prius Prime (48), Hyundai Elantra Hybrid (50), Hyundai Ioniq Plug-in Hybrid (52), Toyota Camry Hybrid LE (52).
Tailpipe CO₂ is rated at 195 grams per mile, which works out to roughly 2.9 tonnes a year at 15,000 miles.
Questions asked across the counter
What MPG does the Toyota Camry Hybrid XLE/SE get?
The 2020 Toyota Camry Hybrid XLE/SE is rated at 46 MPG combined by the EPA — 44 city and 47 highway. Across all 7 model years in the database it averages 41.9 MPG, ranging from 38 to 46 depending on year and trim.
How much does a Toyota Camry Hybrid XLE/SE cost in fuel per year?
At 46 MPG and 15,000 miles a year, it burns about 326 gallons — roughly $1043 a year with fuel at $3.20 a gallon, or $0.070 per mile. The EPA's own published annual figure for the 2020 model is $1350.
Has the Toyota Camry Hybrid XLE/SE become more efficient over time?
Yes. It has gone from 39 MPG in 2014 to 46 in 2020 — an improvement of 7 MPG, or 18% across 7 model years.
Is the Toyota Camry Hybrid XLE/SE efficient for its class?
It ranks 19 of 261 in the Midsize Cars class on current figures, against a class average of 27.1 MPG. That is 18.9 better than typical for the class.
Pull another logbook off the same shelf
Same class, nearest economy first — the ones a buyer is genuinely choosing between.
SOURCE·US EPA fuel-economy test data·FUEL ASSUMED AT $3.20/GAL FROM JUL 2026·REVIEWED JUL 2026
Cost per mile, per kilometre and per year are computed at a reference price of $3.20 a gallon over 15,000 miles, fixed JUL 2026 — set your own pump price. Estimates based on official test figures and average fuel prices. Real-world consumption varies with driving style, load, terrain and maintenance.
