5 ‘Reliable’ Cars That’ll Lose You Thousands of Dollars Over 10 Years
Reliability is one of the main things people look for when shopping for a car, and while being dependable can often mean more cost-effective ownership, that's not always the case. Some reliable vehicles can actually cost you more in the long run due to pricey repairs, higher monthly payments, expensive insurance, poor gas mileage and more.
Be Aware: 6 New Cars in 2026 That Aren't Worth the Cost
Check Out: 9 Unusual Ways To Make Extra Money (That Actually Work)
To help you shop for your next car, auto experts revealed some cars that could deplete your bank account over time despite their great reputation.
Toyota 4Runner
Toyota is a brand that's built to last. It has a long track record of longevity, but a 4Runner can cost more than you might expect. According to Kelley Blue Book, owning one for five years will cost $59,021. That figure includes $14,948 in depreciation and $44,073 in out-of-pocket expenses, such as maintenance and repairs.
“It'll suck down more fuel than many crossovers and cost more to insure than a newer crossover-style wagon,” explained Alan Gelfand, owner of German Car Depot in Hollywood, Florida. “That said, for those who actually need to use such a vehicle to tackle dirt and treacherous off-road trails, the 4Runner is one of your best bets.”
Tesla Model 3
The Tesla Model 3 combines strong performance, modern technology and access to Tesla's charging network at a price that made electric vehicles (EVs) more mainstream. The Model 3's starting price is $36,990, making it the cheapest new Tesla you can buy, but experts say you'll pay more in other ways.
"EVs depreciate more quickly than any other class of vehicle, and since the Model 3 is a luxury EV, it depreciates even more quickly," said Melanie Musson, an auto industry expert with AutoInsurance.org. In addition, insurance costs are higher due to advanced technology, which means "damage repair costs can be extraordinary even after a minor accident," Musson added.
But it's not just insurance that jacks up the price of a Model 3. While Gelfand said the EV's drivetrain is reliable, several things can increase the cost.
The tires can be pricey, "especially if you don't know the right time to buy them," he said. Gelfand also warned that "electric vehicles have been known to experience wild price swings over the years, and could therefore cost you thousands of dollars if you finance too much into the car."
Honda Odyssey
The Honda Odyssey is a very reliable family car, but it’s not cheap to own, with Kelley Blue Book estimating the 2025 Odyssey’s five-year cost to own at $62,204.
“That number reflects several maintenance costs like larger tires, braking systems, power sliding doors, electrical components, and the plain-old wear and tear of a busy family’s use,” Gelfand said. “It’s significantly more expensive than a basic sedan.”
Win Money: Enter for a Chance To Win $500 in MoneyLion's Summer Break Giveaway (No pur. nec. Ends 7/4/26. See official rules at mlion.info/summerbreakofficialrules)
Toyota Tacoma
The Toyota Tacoma has built a loyal following for reliability and the balance between everyday practicality and adventure-oriented driving. With its off-roading capabilities, it offers versatility that appeals to drivers, but it’s expensive.
Although the starting price is $32,445, “the overall cost to buy, insure, fuel and equip the truck can be outlandish when compared to more practical options such as a Corolla, Camry or small SUV,” Gelfand said.
According to Kelley Blue Book, the cost of owning a Tacoma over five years is $52,601, and Gelfand said if you need a truck, it’s a good option. But if you’re going just for the looks, “you could be losing thousands of your hard-earned money,” he explained.
Lexus LS 500
The Lexus LS 500 is regarded as one of the more reliable luxury sedans. However, like most luxury vehicles, it tends to depreciate more quickly than mainstream cars, despite strong reliability.
"Large, high-priced sedans are especially sensitive to depreciation, and the LS 500 can lose a significant portion of its value within the first five years, with total long-term losses depending heavily on mileage, condition and market conditions," Musson said.
Kelley Blue Book backs up that evaluation. According to the site, the cost of owning a 2025 model is estimated at $146,176. Over five years, the car is projected to depreciate by $71,861, with out-of-pocket expenses totaling $74,315.
It’s easy to think that because a car is known to be reliable, you won’t spend as much money. When shopping for a vehicle, it’s important to consider everything from gas to insurance to potential repairs so you understand what the car will really cost in the end.
Summer spending adds up fast. Enter MoneyLion's Summer Break Giveaway for a chance to win $500 — and give your budget a break. (No pur. nec. Ends 7/4/26. See official rules at mlion.info/summerbreakofficialrules)
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.
More From MoneyLion:
