How Much It Costs To Own Luxury Japanese Sedans Over 10 Years

Luxury sedans have always commanded big price tags, but the real expense begins after you sign the paperwork and drive off. Over a 10-year ownership period, depreciation, insurance, fuel, and maintenance can push costs well into the six figures, especially in segments dominated by American and European heavyweights like the Cadillac CT5-V and the BMW 7 Series. Yes, these models offer prestige and performance, but they also carry some high long-term ownership costs.

Some Japanese brands take another approach to luxury sedans. Brands like Lexus, Acura, Infiniti, and Toyota have built their luxury reputations on engineering longevity, more predictable maintenance, and strong resale values. Using depreciation data, insurance averages, fuel estimates, maintenance predictions, and current MSRPs and average used prices for 2024–2026 models, we’ve ranked every Japanese luxury sedan by total 10-year ownership cost.

We haven’t incorporated interest rates into the total long-term costs for the following luxury Japanese sedans because interest rates vary widely for individuals. Models are listed in ascending order based on 10-year ownership costs, from the least affordable to the most affordable to own.

7

Lexus LS

10-Year Ownership Cost: $216,718

2026 is set to be the last model year of the Lexus LS. The 2026 Lexus LS is available in just one trim as a send-off: the LS 500 Heritage Edition. Starting prices are $99,280 before any optional extras. As standard, it is very nicely equipped with sharp lines down the body, 20-inch alloys, and Lexus’ signature spindle grille. Inside, it is as posh as the price sounds, and it gets a 10-inch HUD, a 12.3-inch Lexus Interface touchscreen, a 28-way power-adjustable driver’s seat with massage function, quilted leather trim, and a premium wood heated, leather-wrapped steering wheel.

There is also a bit of grunt under the hood. The final Lexus LS totes a 3.4-liter twin-turbocharged V6 good for 416 horsepower and 442 pound-feet of torque. This translates to rest-to-60 times of 4.6 seconds. AWD is standard, and you get sporty paddle shifters next to the wheel to slam through the rev range yourself.

Lexus LS Long-Term Ownership Cost Breakdown

Lexus says that there will only be 250 units of the 2026 Lexus LS 500 Heritage Edition sold in the U.S.A. as a limited edition. While the below CarEdge-estimated depreciation is high at $55,827, we think that there is a chance that the final model year of the Lexus LS will be something of a collector’s edition in years to come. In the future, we could see that the depreciation cost somewhat reduce.

Aside from current predicted depreciation levels, the biggest long-term cost associated with owning a Lexus LS is insurance. CarEdge says that it will cost you, on average, $3,395 a year to insure, which puts it way above the full-coverage average of $2,019 a year.

• MSRP. $99,280
• 10-Year Depreciation Cost. $55,827
• 10-Year Insurance Cost. $33,950
• 10-Year Fuel Cost. $21,000
• 10-Year Maintenance Cost. $6,661

6

Lexus IS

10-Year Ownership Cost: $145,146

There are six grades of this year’s Lexus IS compact luxury sports sedan: the IS 350 F SPORT DESIGN, the IS 350 F SPORT DESIGN AWD, the IS 350 SPORT, the IS 350 F SPORT AWD, the IS 350 F SPORT SPECIAL APPEARANCE PACKAGE, and the IS 350 F SPORT SPECIAL APPEARANCE PACKAGE AWD. Prices start at $46,795 and top out at $62,995.

All models of the 2026 Lexus IS come equipped with a naturally aspirated 2GR-FKS V6, good for 311 horsepower and 280 pound-feet of torque. The turbo-four models and V8 models have unfortunately been discontinued for the 2026 MY, but you can get to 60 mph in 5.7 seconds to 5.9 seconds with the V6. You can also choose between rear-wheel drive or all-wheel drive. If you opt for the rear-wheel drive Lexus IS, you get an eight-speed Sport Direct Shift auto, and if you opt for rear-biased all-wheel drive models, you get a six-speed automatic transmission, more sporty traction, and the quickest sprint times.

Lexus IS Long-Term Ownership Cost Breakdown

The long-term ownership costs are some way below the long-term ownership costs of the Lexus LS, and a lot of that has to do with the starting price and insurance costs. This year’s Lexus IS may be less powerful than the top-end Lexus luxury sedan, but it is cheaper to fill up at the pump. According to CarEdge’s predictions, it will cost you just under $32,000 for insurance over 10 years. That works out as just under $3,200 a year, but it is still cheaper than the LS while still offering a lot of sporty guts. In typical dependable Lexus fashion, maintenance costs are still very low despite its athletic breeding, at around $585 a year, and RepairPal rates it 4 out of 5 for reliability.

• Highest MSRP. $62,995
• 10-Year Depreciation Cost. $26,063
• 10-Year Insurance Cost. $31,760
• 10-Year Fuel Cost. $18,480
• 10-Year Maintenance Cost. $5,848

5

Acura TLX

10-Year Ownership Cost: $141,659

We got our last chance to buy a new Acura TLX in 2025. Starting prices for the 2025 Acura TLX were $46,595 for the TLX base trim with the Technology Package, $51,595 for the TLX SH-AWD with the A-Spec Package, and $59,245 for the TLX Type S. Today, average used prices range from $46,595 to $59,280 for the sportiest flavor.

The two lower trims are equipped with a 2.0-liter turbo-four that kicks out 272 horsepower and 280 pound-feet of torque, which is quite high for a base-trim mill, while the TLX Type S gets a 3.0-liter turbocharged V6 good for 355 horsepower and 354 pound-feet of torque. The Type S is still a fantastic ICE sports sedan in the world of smaller engines; you get 0–60 mph times of 4.6 seconds, Brembo brakes, 20-inch alloys, and Super Handling AWD with torque vectoring.

Acura TLX Long-Term Ownership Cost Breakdown

The Acura TLX was never the most expensive luxury sedan on the market, and today, the slightly lower used prices help with long-term ownership. What makes it a smart and affordable long-term buy is the fact that, for its caliber, it is still relatively cheap to maintain (around $790 a year), it has relatively low 10-year insurance costs that work at around $2,500 a year, and boasts not-terrible depreciation rates.

The most expensive aspect of owning an Acura TLX is owning a Type S and filling it up with gas. According to FuelEconomy.gov, the 2025 TLX boasting the turbo-four can achieve 24 combined mpg, costing you $2,450 a year for gas. The V6-equipped Type S can achieve 21 combined mpg, costing you $2,800 a year for gas, or $6,000 more than fueling up the average modern car over five years.

• Top-End Average Used Price. $59,280
• 10-Year Depreciation Cost. $30,752
• 10-Year Insurance Cost. $25,330
• 10-Year Fuel Cost. $18,480
• 10-Year Maintenance Cost. $7,897

4

Infiniti Q50

10-Year Ownership Cost: $135,652

Boasting an average used price range of $32,700 to $39,900, the last model of the Infiniti Q50 today makes for an affordable luxury Japanese sedan. There are three trims of the 2024 Infiniti Q50 sedan: the LUXE, the SENSORY, and the Red Sport 400. As standard, the Q50 is equipped with a staunch 300-horsepower/295-pound-foot twin-turbocharged V6, but if you opt for the slightly pricier Q50 Red Sport 400, you get a 400-horsepower/350-pound-foot twin-turbocharged V6.

Despite the very reasonable used prices, all trims of the ’24 Q50 are exceptionally well kitted out. The base trim boasts a 16-speaker Bose audio rig, aluminum trim, leather seats, and a dual touchscreen setup. The mid-tier SENSORY trim gets quilted leather seats, open-pore wood trim, and navigation with 3D graphics, and the Red Sport 400 is the most athletic-looking, with semi-aniline leather seats with distinct red stitching, carbon fiber trim, and paddle shifters.

Infiniti Q50 Long-Term Ownership Cost Breakdown

Power and style-wise, we think the Infiniti Q50 offers a lot of bang for your buck. Minimum horsepower is 300; the interiors are very nicely trimmed; the Red Sport 400 can get to 60 mph in around 4.5 seconds, and the exterior build is designed to take on the likes of BMW and Audi for on-road aggression, all at a reasonable price.

To top it off, RepairPal rates the Infiniti Q50 4 out of 5 for reliability and says that it will cost you just $648 to maintain per year. While that is somewhat above what you’d expect to pay for some of the most reliable Japanese vehicles on the market, it is a lot cheaper than its main European rival: the BMW 3 Series. RepairPal says that it will cost you approximately $739 a year to maintain the 3 Series.

• Top-End Average Used Price. $39,900
• 10-Year Depreciation Cost. $31,656
• 10-Year Insurance Cost. $25,760 (Infiniti)
• 10-Year Fuel Cost. $26,500
• 10-Year Maintenance Cost. $11,836

3

Lexus ES

10-Year Ownership Cost: $129,668

Lexus is in the process of revamping the Lexus ES luxury sedan. We are expecting to see a new model this year in full electric form. The 2025 Lexus ES lineup is the last model year you can buy with either a gas engine or a hybrid powertrain. There are 14 trims of the 2025 Lexus ES, which include both ICE models and hybrid models, with average used prices ranging from $41,000 to $51,500. There are also three engine options for the 2025 lineup.

Both the ES 250 and ES 300h lineups are ideal for easy, everyday driving. Neither is exceptionally powerful, but they are efficient. According to FuelEconomy.gov, the 2025 ES 250 can achieve 28 combined mpg, and the ES 300h can muster 44 combined mpg. The most sporty flavor is certainly the ES 350, and despite the extra ponies under the hood and the smooth V, it can still offer 25 combined mpg.

Lexus ES Long-Term Ownership Cost Breakdown

Buying a Lexus sedan generally means buying a vehicle that holds its value well, is reliable, is inexpensive to maintain, and is relatively reasonable to insure per year. The Lexus ES looks to be the epitome of this. CarEdge says that the Lexus ES is one of the best luxury cars on the road for value retention; they estimate that over five years of ownership, it will lose just 35 percent of its value, and over 10 years, just 67 percent of its value.

Compared to something like the Mercedes-Benz E-Class, which loses 47 percent of its value in the first five years and around 77 percent after 10 years, the Lexus ES looks to be a smart buy. Insurance is relatively reasonable at around $2,600 a year, and long-term maintenance costs are predictably low for a luxury Lexus sedan.

• Top-End Average Used Price. $51,500
• 10-Year Depreciation Cost. $27,642
• 10-Year Insurance Cost. $26,120
• 10-Year Fuel Cost. $18,480
• 10-Year Maintenance Cost. $5,926

2

Toyota Crown

10-Year Ownership Cost: $128,844

Toyota may not be a luxury brand, and one of the leading mainstream automakers today, but that hasn’t stopped it from turning out a luxury sedan that is going to make a lot of waves in the market. They have created a luxury sedan that fills a gap we didn’t know existed: it is a large, comfortable, high-riding (5.8 inches of ground clearance), hybrid full-sized sedan. It may not be the legendary Toyota Century, but the 2026 Toyota Crown brings all sorts of finery to the market at a reasonably low starting price.

This is Toyota’s top-of-the-line sedan, so the materials chosen to upholster the interior have a premium look and feel…

– Lyndon Conrad Bell, TopSpeed Journalist

There are just four trims of the new Toyota Crown: the XLE, the Limited, the Nightshade, and the Platinum. Prices range from $42,635 to $54,900, and all are designed to add a touch of posh flair to the Toyota lineup. There are two hybrid engine options available: a 236-horsepower 2.5-liter hybrid inline-four, and a 2.4-liter hybrid MAX turbo-four good for a whopping 340 horsepower.

The eye-catching exterior is one thing, but it is the interior that makes the Crown stand out. As standard, you get leather-trimmed ventilated seats, a 12.3-inch touchscreen, and heated rear seats. The Limited grade gets a panoramic sunroof and an 11-speaker JBL audio system; the Nightshade is equipped with a blacked-out interior, and the top-tier Platinum gets all the fancy features of the lower trims plus a 10-inch HUD and bronze-finish accents.

Toyota Crown Long-Term Ownership Cost Breakdown

Owning a Toyota usually means low long-term costs all-around, and even despite the new Crown’s illustrious breeding, it is still good for what Toyota is famous for. It is estimated to only cost around $2,500 a year for insurance; the 10-year maintenance costs are as low as you’d expect from a more mainstream Toyota model, and despite the healthy number of horses under the hood, CarEdge estimates that it will only cost approximately $11,300 for gas over 10 years.

iSeeCars hasn’t given the new Toyota Crown an overall rating yet, but they have already predicted a rating of 8.2 out of 10 for value retention and a rating of 9 out of 10 for safety. The 2026 Toyota Crown looks to be bringing Toyota-grade dependability and frugality to a segment usually obsessed with high running costs.

• Top-End Average Used Price. $54,900
• 10-Year Depreciation Cost. $32,939
• 10-Year Insurance Cost. $24,840
• 10-Year Fuel Cost. $11,270
• 10-Year Maintenance Cost. $4,895

1

Acura Integra

10-Year Ownership Cost: $122,350

Boasting a sharp, sporty look, two perky engine options, low starting prices, and a good choice of athletic features, the 2026 Acura Integra is the luxury Japanese sedan with the lowest long-term ownership costs. There are four main trims of the compact Acura Integra: the Base, the A-Spec, the A-Spec with Technology, and the Type S.

Both the standard lineup and the Type S make for impressive compact luxury sports sedans, and not just for the engine options. The base trim is equipped with a MacPherson front strut, multi-link rear suspension, and is available with a six-speed manual with rev-matching, while the Type S gets a limited-slip diff, a six-speed manual box, Brembo brakes, and tuned suspension.

Acura Integra Long-Term Ownership Cost Breakdown

What makes the Integra the cheapest luxury Japanese sedan to own over five years is its blend of low starting prices, low insurance costs, very reasonable long-term fuel costs, and not-terrible depreciation rates. The starting price of a 2026 Acura Integra Base is $34,695; it will cost you $37,245 for the A-Spec, $40,495 for the A-Spec with Technology, and at least $53,400 for the sporty Type S.

The Acura really begs to be driven hard. The feelings of precision and smoothness in quick transitions of direction are common to Honda-family performance products.

– Seyth Miersma for TopSpeed

Acura models benefit from Honda’s expertise and reliability; this is evident from RepairPal’s estimate that it will only cost you $341 a year to maintain, and the owner-rated reliability score of 4.8 out of 5 on Kelley Blue Book. CarEdge says that it will cost you around $7,300 for maintenance over 10 years, but this is because, around the six-year-mark, average annual maintenance costs start to approach $900. However, the cost to maintain an Acura Integra is still cheaper by $1,689 in the first five years of ownership than the average small luxury vehicle.

• Top-End MSRP. $53,400
• 10-Year Depreciation Cost. $26,443
• 10-Year Insurance Cost. $21,170
• 10-Year Fuel Cost. $14,000
• 10-Year Maintenance Cost. $7,337

Sources: CarEdge, RepairPal, iSeeCars, J.D. Power, and Kelley Blue Book.