Is the 2020 Toyota CAMRY reliable?

The 2020 Toyota CAMRY has 373 complaints filed with NHTSA (1.0x the segment average). Our reliability verdict: average. Most common issue: ENGINE problems.

What are common problems with the 2020 Toyota CAMRY?

Top problems: ENGINE (61 complaints, avg repair $500); ELECTRICAL (61 complaints, avg repair $500); AIR BAGS (49 complaints, avg repair $500). Issues typically appear around 50K miles.

Are there any recalls on the 2020 Toyota CAMRY?

Yes, there are 3 recall(s): FUEL SYSTEM, GASOLINE:DELIVERY:FUEL PUMP, ENGINE AND ENGINE COOLING, AIR BAGS:SENSOR:OCCUPANT CLASSIFICATION. Contact any Toyota dealer to verify if recalls have been completed on your specific vehicle.

How much does it cost to fuel a 2020 Toyota CAMRY?

The 2020 Toyota CAMRY gets 30 MPG combined. At current US average gas prices, driving 12,000 miles per year costs roughly $1600. See the interactive fuel cost calculator on this page for state-specific pricing.

How much does it cost to insure a 2020 Toyota CAMRY?

Estimated US average full-coverage insurance for the 2020 Toyota CAMRY is approximately $1,703/year (sedan-midsize class). Actual quotes vary heavily by state, driver age, driving record, and credit — see the interactive insurance estimator on this page for state-specific pricing.

2020 Toyota CAMRY

Q: Is the 2020 Toyota CAMRY often stolen?

The Toyota CAMRY was the #9 most-stolen vehicle in the United States in 2025 with approximately 10,200 thefts (NICB Hot Wheels data). Theft risk tier: above-avg.

Problems, Recalls & Reliability Report

Average

Quick Summary

The 2020 Toyota CAMRY has 373 owner complaints filed with NHTSA — that's 1.0x the segment average of 373. The most common issue is engine problems (16% of all complaints), specifically: car smells like coolant when exiting after driving. can not find visible leak, but overflow reservoir is empty after 3000 miles. There are 3 recalls issued for this model year. ⚠️ 2 fire reports filed.

2 fire reports 16 crash reports 24 injuries

373

Total Complaints

Recalls Issued

—/5

Safety Stars

1.0x

vs Segment Avg

Known Problems(top 5 of 8)

ENGINE

61 complaints

16%

• CAR SMELLS LIKE COOLANT WHEN EXITING AFTER DRIVING. CAN NOT FIND VISIBLE LEAK, BUT OVERFLOW RESERVOIR IS EMPTY AFTER 3000 MILES
• OIL SMELL ON HARD ACCELERATION.
• ENGINE SERIAL NUMBER D243692 LARGE LETTERS UNDERNEATH NUMBER A25A. SAFETY RECALL NOTICE NUMBER 20TA04. DUE TO THE MEDICAL EMERGENCY CORONAVIRUS IN THE UNITED STATES I AM REQUESTING A LIST OF SERIAL NUMBERS FOR THE ENGINE BLOCKS 2020 TOYOTA CAMRY. THE DEALER I CONTACTED REFUSE TO TELL ME IF MY ENG

Typical onset: 50K miles Est. repair: $500🔥 1 fire reports

“CAR SMELLS LIKE COOLANT WHEN EXITING AFTER DRIVING. CAN NOT FIND VISIBLE LEAK, BUT OVERFLOW RESERVOIR IS EMPTY AFTER 3000 MILES”

— NHTSA complaint filing

When Problems Appear on the 2020 Toyota CAMRY

Based on 105 owner complaints that included an odometer reading. Median mileage at time of complaint: 8K miles. Most complaints cluster in the 0-30K miles range.

Overall complaint distribution by mileage

0-30K

30-60K

60-100K

100-150K

150-200K

200K+

ELECTRICAL

In line with typicalmedian 5K mi · 28 reports

0-30K

30-60K

60-100K

100-150K

150-200K

200K+

ENGINE

In line with typicalmedian 12K mi · 19 reports

0-30K

30-60K

60-100K

100-150K

150-200K

200K+

OTHER

In line with typicalmedian 2K mi · 10 reports

0-30K

30-60K

60-100K

100-150K

150-200K

200K+

TRANSMISSION

In line with typicalmedian 54K mi · 8 reports

0-30K

30-60K

60-100K

100-150K

150-200K

200K+

AIR BAGS

In line with typicalmedian 26K mi · 6 reports

0-30K

30-60K

60-100K

100-150K

150-200K

200K+

FUEL SYSTEM

In line with typicalmedian 11K mi · 6 reports

0-30K

30-60K

60-100K

100-150K

150-200K

200K+

Mileage figures are self-reported by owners in NHTSA complaint filings. Peak bucket = the mileage range with the most complaints for that component; it reflects when owners noticed and reported problems, not necessarily when the fault first occurred.

Recalls (3)

FUEL SYSTEM, GASOLINE:DELIVERY:FUEL PUMP04/11/2020

Toyota Motor Engineering & Manufacturing (Toyota) is recalling certain 2018-2019 4Runner, 2019-2020 Avalon, 2019 Corolla Hatchback, 2017-2019 Highlander, 2018-2020 Camry, 2020 Corolla, 2018-2019 Land Cruiser, 2017-2020 Tacoma, 2019-2020 RAV4, 2019-2020 Sequoia, 2017-2020 Sienna, 2019-2020 Tundra, 2018-2020 Lexus ES350, 2017 Lexus GS200t, 2017-2019 Lexus GS350, 2019 Lexus GS300, 2018-2020 Lexus LC500h, 2019-2020 Lexus LS500, 2018-2019 Lexus GX460, 2017 Lexus IS200t, 2019 Lexus IS300, 2019 Lexus IS350, 2018-2020 Lexus LC500, 2018 Lexus LS500, 2019 Lexus LS500h, 2018-2019 Lexus LX570, 2017 Lexus RC200t, 2019 Lexus RC300, RC350, 2017 and 2019-2020 Lexus RX350, 2018-2020 RX350L, 2019 Lexus UX200, 2018-2019 Lexus NX300 vehicles. The low-pressure fuel pump inside the fuel tank may fail.

Risk: If the fuel pump fails, the engine can stall while driving, increasing the risk of a crash.

Fix: Toyota will notify owners, and dealers will replace the fuel pump assembly with an improved one, free of charge. Owners of specific models were notified that remedy parts were available starting January 21, 2021. Owners of other models will be notified as remedy parts become available. Remedy parts should be available for all affected vehicles by late March 2021. Owners may contact Toyota customer service at 1-888-270-9371 or Lexus customer service at 1-800-255-3987. Note: This recall is an expansion of recall 20V-012. Toyota's number for this recall is 20TA02. Lexus' number for this recall is 20LA01.

Above-average theft risk

#9 most stolen in 2025

The Toyota CAMRY was the #9 most-stolen vehicle in the United States in 2025, with approximately 10,200 thefts reported to law enforcement.

Notes: High resale value + parts demand

Source: NICB Hot Wheels 2025 report + HLDI theft loss studies. Model-year ranking; not all years of this model have identical risk.

Fuel Cost Calculator for 2020 Toyota CAMRY

Live EIA prices

Annual miles driven: 12,000

Your state (affects local gasoline price)

Per year

$1,600

Per month

$133

Per mile

13.3¢

MPG

City driving (worst-case MPG)

$2,182/yr

Highway driving (best-case MPG)

$1,171/yr

Based on EPA fuel-economy ratings and EIA weekly retail prices (2026-07-20). Real-world cost varies with driving style, trim/engine, terrain, and traffic.

5-Year Gas Price History

EIA weekly retail data · 2021 → today

Show:

Current

$4.00

5-year low

$2.78

5-year high

$5.01

Since 2021

+27%

Source: US Energy Information Administration weekly retail gasoline prices.

Estimated Insurance Cost for 2020 Toyota CAMRY

Estimate only, not a quote. Modeled from NAIC + HLDI averages for a hypothetical 35-year-old driver with clean record + full coverage. Your actual quote depends heavily on your age, driving history, credit, ZIP code, and insurer.

Your state (affects local premium average)

Full coverage / year

$1,703

Full coverage / month

$142

Liability only / year

$611

vs US avg

+2%

How this estimate is calculated

US base full-coverage premium$1674

× state (US)1.00x

× vehicle class (sedan-midsize)0.96x

× theft risk1.06x

× safety rating1.00x

× vehicle age1.00x

= Full coverage estimate$1703

Coverage assumed: 100/300/100 liability + comprehensive/collision, $500 deductibles. Data sources: NAIC 2024 + HLDI loss studies.

Maintenance & Warranty

Recommended Toyota CAMRY Service Intervals

Oil change

10K mi / 12 mo

Tire rotation

5K mi

Brake fluid

30 months

Transmission fluid

60K mi

Engine coolant

100K mi

Spark plugs

120K mi

Cabin air filter

30K mi

Engine air filter

30K mi

Differential (AWD/4WD)

60K mi

0W-20 synthetic oil recommended. ToyotaCare covers first 2 years / 25K miles of scheduled maintenance for new vehicles. Hybrid battery: 10 yr / 150K miles warranty.

"Severe service" conditions (heavy towing, extreme temps, city stop-and-go) typically halve these intervals. Always consult your vehicle's owner's manual for the authoritative schedule.

Toyota New-Vehicle Warranty Coverage

Bumper-to-bumper (basic)

3 yr / 36K mi

Powertrain

5 yr / 60K mi

Hybrid/EV battery

10 yr / 150K mi

Corrosion (rust perforation)

5 yr / unlimited mi

Roadside assistance

2 yr / 25K mi

Hybrid battery is 10yr/150K miles for 2020+ hybrids. ToyotaCare (2yr/25K miles complimentary maintenance) is included.

These are the terms for a new Toyota. If you're buying a used 2020 CAMRY, remaining coverage is usually pro-rated from the vehicle's original in-service date. Not all coverage transfers between owners — check with a Toyota dealer for VIN-specific remaining warranty.

Estimated Repair Costs

ENGINE(~50K mi)

$500

ELECTRICAL(~50K mi)

$500

AIR BAGS(~50K mi)

$500

OTHER(~50K mi)

$500

FUEL SYSTEM(~50K mi)

$500

Estimates based on average reported repair costs. Actual costs vary by location, shop, and severity.

🔍 Pre-Purchase Inspection Checklist

Based on 373 owner complaints for this specific year, here's what to check or ask about:

☐
ENGINE: CAR SMELLS LIKE COOLANT WHEN EXITING AFTER DRIVING. CAN NOT FIND VISIBLE LEAK, BUT OVERFLOW RESERVOIR IS EMPTY AFTER 3000 MILES
Typically appears around 50K miles. Repair cost ~$500
☐
ELECTRICAL: RODENTS APPEAR TO BE ATTRACTED TO THE ENGINE COMPARTMENT WHERE THEY ARE EATING CRITICAL WIRING. THE WIRING IS ASSOCIATED WITH THE FUEL INJECTION SYSTEM. I HAD THE VEHICLE REPAIRED WITH THE DEALERSHIP, COSTING ME $600. AFTER RETURNING THE VEHICLE FROM THESE REPAIRS AT THE DEALERSHIP, I PARKED THE
Typically appears around 50K miles. Repair cost ~$500
☐
AIR BAGS: OUR VEHICLE WAS STRUCK FROM THE DRIVERS SIDE - REAR AT AN ESTIMATED 60MPH SPEED DIFFERENCE. (IT IS THOUGHT WE WERE SLOWED TO APPROX 25MPH, OTHER CAR WAS PROBABLY 80MPH OR MORE). THIS HAPPENED ON I95 IN LUMBERTON NC. THE OTHER VEHICLE WAS IN LEFT LANE, WE WERE IN RIGHT LANE. THE OTHER VEHICLE SWERVED
Typically appears around 50K miles. Repair cost ~$500
☐
OTHER: SLOW ACCELERATION DURING 1ST 1 OR 2 GEARS. ALMOST HAD MULTIPLE ACCIDENTS IN HIGHWAY DUE TO SLOW ACCELERATION WHEN CHANGING LANES. THE VEHICLE DOES NOT IMMEDIATELY RESPOND TO ACCELERATION WHEN ACCELERATOR PEDAL IS USED. THE VEHICLE HAS A COUPLE OF SECONDS DELAY UNTIL IT CHANGING INTO NEXT GEAR. DEAL
Typically appears around 50K miles. Repair cost ~$500
☐
RECALLS: Verify all 3 recalls have been completed — free at any Toyota dealer
☐
General: Get a pre-purchase inspection from an independent mechanic ($100-$200)