The True Cost of Owning a Ford Maverick

Cost example prepared October 24, 2026

Start with the price you will actually pay

For a representative example, use a 2025 Ford Maverick XLT hybrid with front-wheel drive at $32,340, hybrid means a gas engine plus an electric motor working together, and front-wheel drive means power goes to the front wheels only (Kelley Blue Book's MSRP, the sticker price, for this trim). The XLT sits above the base XL and adds the comfort and tech items most daily drivers want, while staying well below the Lariat and Tremor. One pricing conflict is stated plainly: Edmunds lists the same XLT hybrid at $30,645 before destination, and the Kelley Blue Book figure used here is the destination-included price, so the gap is destination and fees treatment, not a different truck. Trims run from the XL near $30,000 to the Tremor past $42,000, so replace this starting point with a written quote for the exact trim you are considering.

The down payment does not make the Maverick cheaper; it changes how much you finance. With 10% down ($3,234), 8% APR (the yearly interest rate on the loan) and 60 months, this example finances $32,270 at $654 a month, and the loan costs about $6,989 in interest over five years.

Fuel: the hybrid line item

The standard 2.5-liter hybrid makes 191 horsepower and is rated 38 mpg combined (42 city, 35 highway, per EPA figures) with front-wheel drive, the best fuel economy of any pickup on this site. At 12,000 miles a year that is about 316 gallons annually, roughly $1,311 a year, $6,557 over five years at $4.153 a gallon (the EIA national average for the week ending November 2, 2026). The hybrid with all-wheel drive (power to all four wheels) is rated 37 mpg combined and would burn about $178 more fuel over five years. The method behind that math is in the EV vs. gas guide: miles divided by mpg, times price, times years. For scale, the Maverick tows up to 4,000 pounds with the tow package and carries up to 1,500 pounds in the bed and cab, small-truck numbers, not full-size numbers.

Depreciation is still the biggest bucket

iSeeCars' comparison pages put the Maverick's five-year value loss at 36.9%, depreciation is just the word for the value a car loses over time, so it keeps about 63.1% of its price. That is the figure this page uses, and the published range around it is wide, so it is stated in full: Kelley Blue Book's retention figure implies a harsher 45.9% loss ($14,844 on a $32,340 truck); CarEdge projects 38.9% lost ($12,580), close to the figure used here; and summaries citing iSeeCars give lower losses of 30.9% and 31.6% to 31.8%. The comparison-page figure sits in the middle of that range and is the one iSeeCars repeats across its current model comparisons. On a $32,340 purchase, plan on roughly $20,407 after five years, about $11,933 of depreciation, roughly $199 a month.

That resale figure is a planning assumption, not a forecast. Run a second scenario with resale 10% lower so the decision does not depend on an optimistic used market.

Insurance runs compact-truck money

Full-coverage averages for a Maverick cluster between about $177 and $234 a month depending on the source (Insure.com near $177, Insurify at $200, MoneyGeek's average at $203, Insure.com and CarInsurance.com at $207, and MoneyGeek's 2025 figure at $234, averages for the Maverick as a whole, not prices for the XLT trim specifically). This example uses $200 a month, or $12,000 over five years. Premiums depend heavily on the driver, ZIP code, coverage and insurer, so get a quote on the exact trim with matching deductibles (what you pay out of pocket before insurance kicks in) and limits before treating any average as yours.

Maverick maintenance costs: small truck, uneven schedule

Edmunds' own five-year work for the 2025 Maverick XLT hybrid puts maintenance at $4,833 and repairs at $929, $5,762 combined, with a heavy fourth and fifth year, so this example smooths it to $1,150 a year, or $5,750 all-in (Edmunds' own two lines add to $5,762; the example rounds down $12). CarEdge's lower $3,341 five-year figure is the optimistic end of the range. RepairPal's $775-a-year figure is a Ford-brand average, not a Maverick-specific figure, so it is not used as the example. The Maverick's basic warranty runs 3 years or 36,000 miles, with the powertrain (the engine, transmission and drivetrain, the parts that make it move) covered for 5 years or 60,000 miles.

The full five-year example

Every figure below comes from the site's own calculator math. The stated inputs are: 2025 Ford Maverick XLT hybrid with front-wheel drive, $32,340 price, 10% down ($3,234), 8% APR, 60 months, 7% sales tax, $900 in title and dealer fees, 12,000 miles per year, 38 mpg, $4.153 per gallon (EIA national average, week ending November 2, 2026), $200 per month insurance, $1,150 per year maintenance, $20,407 resale value after five years.

• Depreciation: $11,933 ($32,340 minus $20,407 resale)
• Insurance: $12,000 ($200 x 60 months)
• Fuel: $6,557 (12,000 / 38 x $4.153 x 5 years)
• Maintenance: $5,750 ($1,150 x 5 years)
• Tax, fees and interest: $10,153 ($2,264 sales tax, $900 fees, $6,989 loan interest)

That totals roughly $46,393, or about $773 a month. Notice what that says about the $654 payment: on this truck the payment is not the whole story, it is about 85% of the average month's true cost, and during the loan years the cash actually going out is the payment plus insurance, fuel and upkeep.

Formula

The five-year total is the sum of five buckets: depreciation, insurance, fuel, maintenance, and tax, fees and interest. Depreciation is the $32,340 price minus the $20,407 resale value after five years, which is $11,933. Insurance is $200 a month times 60 months, which is $12,000. Fuel is 12,000 miles a year divided by 38 miles per gallon, times $4.153 a gallon, times 5 years, which is about $6,557. Maintenance is $1,150 a year times 5 years, which is $5,750. Tax, fees and interest is 7% sales tax on $32,340, which is $2,264, plus $900 in title and dealer fees, plus about $6,989 of loan interest, which is $10,153.

Added together, $11,933 plus $12,000 plus $6,557 plus $5,750 plus $10,153 equals $46,393, or about $773 a month. The amount financed is the $32,340 price plus $2,264 sales tax plus $900 in fees, minus the $3,234 down payment, which is $32,270. At 8% APR over 60 months, the payment on $32,270 is $654 a month, and the loan costs about $6,989 in interest over five years.

Why Maverick owners think past year five

Compact trucks are often kept a long time, and that is where the economics can change: the loan ends at year five, and the value-loss curve flattens. The costs that arrive in years six through ten are the wear-and-repair years: a second tire set, suspension work, and out-of-warranty items, including hybrid-battery questions that do not arise on a gas-only truck. The keep it 10 years guide shows how to extend this same math honestly.

Shopping the Maverick against another small truck? The Car Showdown runs any two vehicles through the same five buckets side by side.

Calculation transparency

Jurisdiction. United States. Sales tax, titling, registration and insurance rules are set by your state, so your exact numbers depend on where you buy and register the car. The 7% sales tax and $900 in fees in this example are planning figures, not any one state's actual rates.

Rules and time period. Five years, 12,000 miles a year, gas at $4.153 a gallon (EIA national average, week ending November 2, 2026), 8% APR, 60 months, 10% down. The resale value is a planning assumption, not a forecast.

Scope and limitations. Educational estimate only. Insurance and maintenance are planning figures, not quotes. Get a real quote for the same trim, coverage and loan before you decide.

iSeeCars' own pages disagree on the Maverick's five-year value loss: its comparison pages report 36.9% while other summaries citing iSeeCars give 30.9% to 31.8%, so the 36.9% figure used here is kept as a planning assumption, not as a current reading.

Source links checked November 6, 2026. Figures: Kelley Blue Book 2025 Maverick XLT price, $32,340; EPA combined fuel economy, 38 mpg; CarEdge Maverick five-year maintenance, $3,341; EIA weekly gas prices (week ending November 2, 2026).

Primary sources: Kelley Blue Book, 2025 Ford Maverick XLT; fueleconomy.gov, EPA fuel economy ratings; CarEdge, Ford Maverick cost of ownership; EIA, Gasoline and Diesel Fuel Update. How the numbers are calculated is written down on the methodology page, and every source is listed on the sources page.

Definitions

Depreciation. The value a truck loses over time, the gap between what you pay and what it is worth later. On this page, the $32,340 price minus the $20,407 resale value after five years, which is $11,933.

Resale value. What the truck is worth after five years in this example, $20,407. A planning assumption, not a forecast.

APR. Annual percentage rate, the yearly interest rate on the loan. This example uses 8%.

Down payment. The cash paid up front. Here it is 10%, or $3,234.

Hybrid. A gas engine plus an electric motor working together.

Front-wheel drive. Power goes to the front wheels only.

Combined mpg. The EPA city and highway ratings blended into one figure. It is 38 for the hybrid with front-wheel drive, 42 in the city and 35 on the highway. The hybrid with all-wheel drive is rated 37 mpg combined.

Full coverage. Insurance that covers damage to your own car as well as damage to others. Full-coverage averages for the Maverick as a whole run about $177 to $234 a month; this example uses $200 a month.

Questions people actually ask

How much does a Ford Maverick cost per month?

In the example on this page, about $773 a month over five years. The loan payment alone is $654 a month; insurance, gas and upkeep bring the monthly average up to $773.

How much does a Ford Maverick cost over 5 years?

About $46,393 over five years in the example on this page: $11,933 in value lost, $12,000 for insurance, $6,557 for gas, $5,750 for upkeep, and $10,153 in sales tax, fees and loan interest.

How much does a Ford Maverick depreciate in 5 years?

iSeeCars' comparison pages put the five-year value loss at 36.9%, about $11,933 on a $32,340 truck. Kelley Blue Book's retention figure implies a harsher 45.9% loss, while other summaries citing iSeeCars give lower losses near 30.9% to 31.8%; this page uses the 36.9% comparison-page figure and states the others rather than settling silently.

How much is insurance for a Ford Maverick?

Full-coverage averages for the Maverick as a whole run about $177 to $234 a month depending on the source. This page's example uses $200 a month. These are model-level averages, not prices for the XLT trim specifically, so get a quote on the exact truck.

What gas mileage does a Ford Maverick get?

The hybrid with front-wheel drive is rated 38 miles per gallon combined (42 in the city, 35 on the highway). The hybrid with all-wheel drive is rated 37 miles per gallon combined and would burn about $178 more gas over five years.

Related: See the Toyota Tacoma, the midsize truck most Maverick shoppers also price

Related: What it costs to own a pickup truck, beyond the payment

Related: See every model with a true cost page

Buying in Texas? Texas adds its own layer to these numbers, a 6.25% sales tax, its own fees, and some of the highest insurance in the country. See the true cost of a car in Texas.