Check this first
Watch the temperature gauge – if it takes a long time to come up, it's nearly always the thermostat.
Worth fixing even though it drives fine: it costs you fuel and wears the engine.
What usually fixes it
In the order a good shop checks them. Typical total: $93–$364 at $130 an hour.
Thermostat
$181–$364Stuck part-open, so the engine never reaches its proper temperature.
Engine coolant temperature sensor
$93–$204A sensor reading low makes the computer think it's still cold.
Code titles are the generic SAE definitions. Prices are typical US parts and labor for a common car or light truck – a guide for judging a quote, not a quote. Always confirm a repair against the vehicle in front of you.