Forget the Camry – The Subaru SUV That Now Costs Less to Own Over Five Years

The Toyota Camry has been the reliable choice for family vehicles for over thirty years. It was never intended to be exciting, and it wasn’t. The predictable resale curve, the low maintenance costs, and the way it simply appeared every morning without any drama were all quieter aspects of its appeal. Anyone who learned to drive in their parents’ Camry will likely recall the slightly worn cloth seats, the radio dial that was always stuck, and the overall impression that this was a vehicle meant to be forgotten in the best possible way.

The most recent figures are fascinating because of this. With a five-year ownership cost, the 2026 Subaru Uncharted, an electric compact SUV that most people outside of dealership lots haven’t even seen yet, has surpassed the Camry. Not by a narrow margin either.

The majority of the work is done by the fuel savings alone, which are about $3,000 over five years compared to the Camry’s $6,500. What surprises people is that maintenance costs are almost the same. Theoretically, electric vehicles should be less expensive to operate, but for years, the difference has remained stubbornly small. That needle is finally moved by The Uncharted.

These days, you can see the shift in any Subaru dealership before anyone speaks. The charging stations in the back are no longer ornamental, but the Foresters and Outbacks still serve as the lot’s anchors. Instead of spending ten years educating skeptical sedan buyers about all-wheel drive, salespeople are now explaining range estimates and home charging configurations. There’s a feeling that Subaru, which has a reputation for practicality and flannel shirts, is figuring out the EV conversation in its own slow, unassuming way.

Naturally, the Camry is not going anywhere. Last year, Toyota sold a huge number of them, and the hybrid version is still incredibly impressive—quiet, economical, and constructed with the kind of engineering discipline that consistently appears in long-term reliability rankings. The Camry might still be a better option for some buyers, especially those who frequently travel long highway stretches or are unable to charge at home. The more recent technology isn’t always favored by the math.

However, the landscape of family cars has changed. No matter how good, a sedan cannot match the higher seating position, cargo flexibility, and all-weather confidence that buyers desire. The Uncharted begins to appear less like an experiment and more like a viable option when you take into account the fuel savings, the federal incentives that are still available for eligible EVs, and the fact that Subaru has a reputation for keeping cars on the road.

The speed at which this has occurred is difficult to ignore. It would have seemed unrealistic five years ago for an electric Subaru to compete with the Camry on cost-to-own figures. It is now included in a Kelley Blue Book spreadsheet as a footnote. It’s still unclear whether the Uncharted’s depreciation curves, battery life, and other unglamorous factors that truly determine ownership costs will hold up over time. However, the initial indications appear encouraging. And that could be sufficient to alter the conversation for many families who are standing in showrooms this spring.