What Toyota's subscription service is and who it's for
Toyota's subscription service, called Toyota Care+, lets you drive a new Toyota for a fixed monthly payment instead of buying or leasing one. You pay one price that covers the car, insurance, maintenance, roadside information, and wear-and-tear coverage. You don't own the vehicle — Toyota does — and you return it when your subscription ends.
This works best if you want a new car without a long-term commitment, don't want to handle maintenance calls, or like driving different models. It's different from a lease because the subscription includes insurance and maintenance in one bill, whereas a lease typically requires you to buy separate insurance and pay for repairs beyond wear-and-tear.
Toyota Care+ is available in select markets through Toyota dealers. Not all dealers offer it, and availability varies by state and region. You'll need to contact a participating Toyota dealer to find out whether the service operates in your area.
Key Takeaways
- Toyota Care+ includes the vehicle, insurance, maintenance, roadside information, and wear-and-tear coverage in one monthly payment.
- Monthly costs vary by vehicle model, location, and subscription length, and you can find pricing through a Toyota dealer in your area.
- You can typically drive between 10,000 and 15,000 miles per year, depending on your plan, and pay overage fees for miles beyond that limit.
- The subscription period usually runs 24 or 36 months, and you return the vehicle at the end with no purchase obligation.
- You must be at least 21 years old, have a valid driver's license, and meet Toyota's credit and insurance requirements to enroll.
How much Toyota Care+ costs each month
Monthly payments depend on which Toyota model you choose, your location, and how long you commit to the subscription. A compact sedan typically costs less per month than an SUV or truck. Toyota does not publish a single national price list because costs vary by dealer, region, and current vehicle availability.
To find out what a specific model costs in your area, you contact a Toyota dealer that offers Care+ and request a quote. The dealer will show you pricing for different subscription lengths — usually 24 or 36 months — and you can compare the total cost against leasing or financing the same vehicle through traditional channels.
Your monthly payment covers insurance, maintenance, roadside information, and wear-and-tear, so there are no separate bills for those services. However, you pay extra if you exceed your annual mileage allowance, typically at a per-mile rate set by Toyota. Fuel is your responsibility.
Mileage limits and overage charges
Toyota Care+ subscriptions come with an annual mileage allowance, usually between 10,000 and 15,000 miles per year. If you drive a 36-month subscription with a 12,000-mile annual limit, you can drive up to 36,000 miles total before overage charges kick in.
If you exceed your mileage limit, you pay a per-mile fee for every mile over the allowance. This fee varies but is typically between 20 and 30 cents per mile. You can track your mileage through the Toyota mobile app or ask your dealer for a mileage report at any time during your subscription.
Before you enroll, think honestly about how many miles you drive in a year. If you commute long distances or take frequent road trips, a higher mileage tier may cost less overall than paying overages on a lower tier.
What's covered and what's not
Your monthly payment includes comprehensive and collision insurance, routine maintenance (oil changes, filter replacements, fluid top-ups), wear-and-tear coverage, and 24/7 roadside information. You don't pay separately for any of these services.
You are responsible for fuel, tolls, parking fees, and traffic violations. Damage beyond normal wear-and-tear — such as major dents, broken windows, or interior stains — may result in charges when you return the vehicle. Toyota defines wear-and-tear in your subscription agreement, so review that section before you sign.
If you get into an accident, you typically pay a deductible (usually $500 to $1,000, depending on your plan) and the insurance covers the rest. Roadside information covers towing, lockouts, jump-starts, and fuel delivery if you run out of gas.
How to enroll and what you need
Start by finding a Toyota dealer in your area that offers Care+. Not all dealers participate, so call ahead or check Toyota's website for a list of participating locations. Once you find a dealer, you can request a quote for the model and subscription length you want.
To enroll, you'll need a valid driver's license, proof of insurance history, and information about your credit. Toyota runs a credit check similar to what a bank would do for a car loan. You must be at least 21 years old and have a clean driving record — dealers may deny enrollment if you have recent major violations or accidents.
After approval, you'll sign the subscription agreement, which outlines the monthly payment, mileage limits, wear-and-tear policy, and cancellation terms. You'll then pick up your vehicle at the dealer and begin your subscription period.
Ending your subscription early or at the end of the term
Most Toyota Care+ agreements lock you in for the full subscription period — 24 or 36 months. If you need to end early, you may owe an early termination fee, which is typically a percentage of your remaining payments. The exact fee depends on your agreement, so review that section before you sign.
At the end of your subscription, you return the vehicle to the dealer in the condition outlined in your agreement. The dealer inspects the car for damage beyond normal wear-and-tear and charges you for any repairs needed. If there are no issues, you straightforward return the keys and your subscription ends.
After your subscription ends, you can enroll in a new subscription with a different model, lease a Toyota through traditional channels, or buy one outright. There's no obligation to stay with Toyota.
Toyota Care+ versus leasing and buying
A traditional lease requires you to buy separate insurance and pay for maintenance beyond the warranty. With Toyota Care+, insurance and maintenance are included, so your only variable cost is fuel and mileage overages. This makes budgeting simpler if you want predictable monthly expenses.
Buying a Toyota means you own the vehicle after you pay it off, but you're responsible for all maintenance, insurance, and repairs once the warranty expires. Financing a new car typically costs less per month than a subscription, but you carry the risk of repairs and depreciation.
A subscription makes sense if you like driving new cars, want to avoid maintenance hassles, and don't want a long-term ownership commitment. Leasing or buying makes more sense if you drive high mileage, want to customize the vehicle, or plan to keep the car for many years.
Frequently Asked Questions
Can I cancel my Toyota Care+ subscription before the end of the term?
You can cancel early, but you'll typically owe an early termination fee equal to a portion of your remaining monthly payments. The exact amount depends on your subscription agreement. Contact your dealer to find out what the fee would be if you cancel at a specific point in your subscription.
What happens if I get into an accident?
Your insurance covers the damage after you pay your deductible. Report the accident to your insurance company and your dealer as soon as possible. The insurance claim process works the same way as it would for a car you own, and the vehicle remains yours to drive while repairs are made.
Can I modify or customize my Toyota Care+ vehicle?
No. You cannot make permanent modifications like installing a new stereo, changing the wheels, or painting the car. Any changes you make must be removable, and you must restore the vehicle to its original condition before you return it. Permanent modifications may result in charges at the end of your subscription.
What if I drive more miles than my plan allows?
You pay a per-mile overage fee, typically 20 to 30 cents per mile, for every mile over your annual allowance. You can check your mileage anytime through the Toyota app or by contacting your dealer. If you know you'll exceed your limit, ask your dealer whether upgrading to a higher mileage tier would cost less overall.
Do I need to have good credit to enroll in Toyota Care+?
Toyota runs a credit check and considers your credit history, income, and driving record. You don't need perfect credit, but recent late payments, defaults, or major traffic violations may result in denial. Contact a participating dealer to discuss your situation — they can tell you whether you're likely to be approved.