Should I Trade in My 2022 Honda Civic Hatchback for a 4Runner TRD OP?

The 4Runner is an incredibly capable and rugged SUV with strong off-road credentials, while the Civic is a practical, efficient daily commuter.

But making this switch also involves careful evaluation of your needs, finances, and the differences between these two very disparate vehicles.

Some Factors to Consider

Here are some of the most important considerations as you weigh this decision:

  • Costs: The 4Runner will almost certainly cost more upfront, in fuel, and in insurance versus the Civic. Make sure you budget accordingly.
  • Capabilities: The 4Runner excels off-road but lags in handling, efficiency, and interior refinement. Assess your priorities.
  • Use case: Will the 4Runner’s size, 4WD, cargo area suit your lifestyle better than the Civic’s practicality?
  • Finances: Can you afford this switch in terms of transaction costs and increased operating expenses?
  • Timing: A new 4Runner may come soon. Waiting could bring improved technology, efficiency.
  • Test drive: Drive a 4Runner to experience the different driving dynamics firsthand.

Carefully weighing each of these factors will lead to the best decision for your needs and budget. Keep reading for a detailed analysis of this vehicle switch.

Cost Considerations

One of the biggest barriers to trading your nearly new Civic for a 4Runner is the financial aspect. Let’s break down the major cost factors:

Transaction Costs

Since your Civic is only a year old, you will still owe a significant portion of the original loan amount. Depending on your down payment and financing terms, you may even owe more than the car is worth. This means trading it in will likely leave you underwater, with negative equity rolled into the 4Runner loan.

Additionally, 4Runers hold their value incredibly well. Even pre-owned models with some miles cost a premium compared to other vehicles. Expect to pay top dollar for one, especially the Off-Road Premium trim.


Insuring a brand new 4Runner will certainly cost you more per month versus the Civic. On average, 4Runner insurance is 15-20% higher. Get quotes beforehand so you know the impact.

Fuel Costs

There’s no sugarcoating it – the 4Runner is thirsty. Expect fuel economy of 16-18 mpg versus the Civic’s 35+ mpg. If you drive 15,000 miles annually, that difference adds up to over $1,000 more per year spent on gas with the 4Runner.


The 4Runner will likely cost more to maintain as well. Tires, brakes, batteries, and other wear items are more expensive on trucks. The Civic’s lower operating costs are part of why it makes financial sense for many buyers.

Adding up these various cost factors, you could easily spend $10,000+ more per year owning the 4Runner. That may be acceptable to gain its capabilities, but ensure you’ve budgeted for it.

Capability Comparison

Setting aside costs, there are major differences in what each vehicle delivers in terms of utility, performance, and features.


This is where the 4Runner clearly outshines the Civic. With available four-wheel drive, 8.6 inches of ground clearance, an old-school body-on-frame platform, and a rear locking differential, the 4Runner is designed for off-road travel instead of just pavement. Hauling gear out to the trails or campsite is easy with up to 47.2 cu ft of cargo capacity.

The Civic is front-wheel drive only and has just 5.9 inches of ground clearance. It’s not built for unpaved surfaces. Cargo room maxes out at 25.7 cu ft. For outings off the beaten path, the 4Runner is the obvious pick.


Performance and fuel efficiency metrics highlight the different engineering approaches of these vehicles. The Civic’s turbocharged 1.5L engine makes 180 horsepower and up to 36 mpg combined. The 4Runner’s 4.0L V6 generates 270 hp but struggles to crack 20 mpg. Off-road, the 4Runner’s torque gives it the advantage.

Comfort and Refinement

Today’s Civics have budget-luxury cabin trimmings with soft-touch materials and tech features galore. Sound deadening creates a hushed cabin environment. Primarily targeting off-road shoppers, the 4Runner offers simpler comforts like supportive seats and standard dual-zone climate control.

On pavement, the Civic handles curves adroitly and soaks up impacts. The 4Runner’s old-school ladder frame results in more body roll, bumps, and road noise transmitted inside. Refinement clearly favors the Civic as an everyday driver.

Technology and Safety

With redesigns in 2016 and 2020, the current Civic is bang up to date on tech and safety. Terrain management systems, surround cameras, and active driver aids are nowhere to be found on the 4Runner. Its last full redesign was in 2009, so expect dated entertainment and minimal active safety features.

How Will You Use It?

Analyzing the differences between these two vehicles using objective measures only gets you so far. To make the best decision for yourself, think critically about how you will actually use your next vehicle most of the time.

Daily Driving

For the majority of people who just need reliable transportation around town or on their work commute, the Civic makes more sense. It offers a smoother, quieter and more comfortable ride, along with maneuverability and fuel efficiency advantages. The 4Runner is overkill for pavement-only use.

Outdoor Adventure

For those with kayaks, mountain bikes, camping gear, or off-road toys to haul around, the 4Runner is a game-changer. Its size, 4WD system, and rugged body-on-frame platform enable wilderness experiences the Civic simply can’t provide. If that capability is a priority, the 4Runner is easily justified.

Family Transportation

As a compact hatchback, the Civic can comfortably carry adults and children alike. But the 4Runner’s additional passenger and cargo room may better suit a growing family. Car seats fit nicely within, and everyone will have personal space. The 4Runner also makes vacations and road trips less cramped.

Inclement Weather

For buyers needing extra traction and ground clearance on snowy, muddy, or flooded roads, the 4Runner’s 4WD system offers confidence and capability the Civic lacks. High ground clearance enables navigating deeper snow or water as well. Winter warriors in particular appreciate this advantage.

The Financial Reality

Given the 4Runner’s tempting capabilities, it’s easy to get caught up in the excitement of owning one. But before getting carried away, seriously consider the financial reality of affording this vehicle long-term.

Total Cost of Ownership

Analysts estimate the total cost of owning a new 4Runner over 5 years to be around $62,000 factoring in purchase price, fuel, insurance, maintenance, repairs, interest, and depreciation. That’s $12,000-$15,000 more than an equivalent Civic over the same period.

Loan Terms

Since the 4Runner costs considerably more up front, expect less favorable loan terms like higher interest rates, more money down, and longer loan periods just to make payments manageable. You’ll be paying much longer for the 4Runner than your Civic.

Budget Carefully

Crunching the numbers is essential before committing to higher ownership costs long-term. Make sure this fits your household budget not just now, but 3-5 years from vehicle purchase. Don’t overextend yourself financially.

Future Expenses

Consider other major expenses coming up, like college tuition, a home down payment, vacations, etc. The 4Runner’s operating costs may jeopardize your ability to afford other financial priorities. Keep the big picture in mind.

Retirement Savings

Don’t let a vehicle purchase derail retirement goals. If choosing the 4Runner means sacrificing 401k or IRA contributions, think twice. Your future self will thank you.

Running the numbers will either validate the 4Runner purchase, or highlight areas where you may need to scale back to afford it responsibly.

New Model Considerations

If you can postpone your decision a bit, an all-new fifth-generation 4Runner is expected to launch in late 2024 as a 2025 model. Here’s what we know so far about the redesign:

Hybrid Powertrain

Significantly improved fuel economy is practically guaranteed thanks to some form of hybrid technology paired with the 4.0L V6. Estimates peg combined mpg in the mid-20s – a huge jump over current models.

Updated Technology

A full redesign means a state-of-the-art infotainment system and latest active safety gear like automatic emergency braking. The new model should catch up to the Civic in tech and features.

Smoother On-Road Manners

Don’t expect the 4Runner to lose any off-road grit, but improved sound insulation, ride refinement, and handling are likely as Toyota caters more to crossover buyers.

Higher Starting Price

The hybrid system, new platform, and upgraded technology will raise the cost of entry by several thousand dollars at least. Expect upper trims to crest $50,000.

If fuel economy, technology, or on-road comfort are priorities, the 2025 model year updates may be worth the wait.

Take a Test Drive

No amount of analysis and research can substitute for actually getting behind the wheel of a 4Runner. Schedule an extended test drive at your local Toyota dealer to experience it firsthand.

Drive It Back-to-Back with Your Civic

Driving the two vehicles on the same day will starkly highlight their different driving dynamics. You’ll notice the 4Runner’s ride quality, acceleration, handling, and noise levels instantly.

Take It Off Road

Don’t just drive it around the block. Take the 4Runner off pavement onto a dirt road or grassy field to try out the 4WD system. Cycling through the various drive modes gives you a taste of its capabilities.

Load It Up

Fill the cargo area with some heavy items, take it up a hill, load in family/friends. See how it handles when near maximum payload capacity.

Imagine Daily Driving

As you operate the 4Runner, envision it as your primary vehicle. Mentally walk through your daily commute, kid drop-offs, grocery runs, and other routines. Does it fit your lifestyle?

Don’t rely on internet opinions. Get real seat time and put the 4Runner through your actual usage scenarios before deciding.

Make the Smart Choice

Trading your nearly new, economical Civic for an adventure-ready 4Runner is tempting. Before swapping keys, make sure you:

  • Determine the 4Runner truly fits your needs better
  • Can afford the higher purchase price and operating costs
  • Understand what you gain and lose with the change
  • Experience the different driving dynamics firsthand

Carefully weighing all these factors leads to the smartest decision for your situation. Don’t let emotions or others’ opinions steer you off course. Crunch the numbers, scrutinize your budget, and take an extended test drive. If after thorough evaluation the 4Runner still sings to you, then maybe it’s time to start a new adventure.

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