Honda Accord Cost to Own

Name: Honda Accord 5-year cost to own
Creator: CarWhere Research
License: https://creativecommons.org/licenses/by/4.0/

By CarWhere Research · Updated November 6, 2026

A 2026 Honda Accord costs about $26,604 over 5 years and 75,000 miles in depreciation, fuel and insurance. Depreciation is the biggest share at $10,303 (31.9% of the median new price); fuel $9,891 and national-average insurance $6,410 make up the rest. Scheduled maintenance, repairs and registration fees come on top.

5-year total

$26,604

depreciation + fuel + insurance

Depreciation

$10,303

31.9% of new price

Fuel

$9,891

$1,978/yr

Insurance

$6,410

national average

5-year cost-to-own breakdown

Assumptions: 5 years, 15,000 miles a year (75,000 total), bought new. Every line shows its formula and source.

Honda Accord: 5-year cost lines
Line	5 years	Per year	How it’s calculated	Source
Depreciation	$10,303	$2,061	$32,298 median new price (2026) × 31.9% below new for 5-year-old (2021) listings	CarWhere depreciation study
Fuel	$9,891	$1,978	75,000 mi ÷ 31.5 MPG × $4.153/gal regular (median of 2 EPA versions)	EPA × EIA November 2, 2026
Insurance	$6,410	$1,282	U.S. average expenditure per insured car (2023) × 5 years. Not specific to the Accord.	NAIC, by state
Scheduled maintenance	See note	—	Honda Maintenance Program (1 year / 12,000 miles on 2026 models) is included; beyond its terms, the Honda schedule below applies. No manufacturer-published service prices.	Honda schedule
Registration and fees	Varies by state	—	State registration, title and taxes.	State title guides
Total	$26,604	$5,321	Depreciation + fuel + national-average insurance. Maintenance, repairs and fees not included.

Depreciation

New Accords list for a median $32,298 (33,478 listings). In CarWhere’s used-market study, 2021 models (5 years old) list 31.9% below that, so a Accord loses about $10,303 in its first five years.

Model years used
Model year	Age	Median listing	Below new	Listings
2021	5	$21,985	31.9%	1,563

Fuel

The EPA rates the 2026 Accord at 31.5 MPG combined; 31–32 MPG across 2 EPA-listed versions. At $4.153/gal regular (EIA, week of November 2, 2026), 75,000 miles cost about $9,891, or $1,978 a year. The hybrid version (46 MPG) works out to about $6,784 over the same miles.

EPA versions included: Accord, Accord SE.

Insurance

Insurance varies by driver, location and coverage. Across all insured cars, U.S. drivers spent an average of $1,282 a year in 2023 (NAIC); see car insurance cost by state for your state’s average.

Is the Accord expensive to maintain?

Honda's published oil-change interval: set by the Maintenance Minder (oil-life monitor); no fixed mileage. Honda Maintenance Program: 1 year / 12,000 miles on 2026 models. For the Accord: gas: CVT fluid every 25,000 miles under severe mountain/low-speed driving; hybrid: severe-condition transmission fluid every 47,500 miles or 3 years. We list the schedule rather than a dollar figure because Honda doesn't publish service prices.

For repair patterns owners report, see Accord known issues.

Honda Maintenance Program

Term: 1 year / 12,000 miles on 2026 models (named in Honda's 2026 spec sheets; Honda Service Pass at its 2023 launch: first 2 years or 24,000 miles)

Covers: Service Pass covers select factory-scheduled maintenance as shown by the Maintenance Minder (oil and filter changes, tire rotation, multi-point inspection) at participating Honda dealers. It transfers to later owners while active and is valid in the U.S. only. The 2026 spec sheets name the program but don't describe what it covers.

Source: 2026 Honda Civic Sedan Specifications & Features (Honda newsroom)

Oil changes

Normal: Set by the Maintenance Minder (oil-life monitor); no fixed mileage. Change the oil at least every 12 months even if no Minder message appears.

Severe or special conditions: No fixed severe-service oil interval; the Maintenance Minder adjusts to driving conditions.

Code A = oil change; code B = oil and filter plus inspections. 'Maintenance Due Soon' shows at 15% oil life.

Source: 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt)

Honda scheduled maintenance (manufacturer schedule; items paraphrased)
Interval	Items	Source
Maintenance Minder code A	Replace engine oil	2025 Honda CR-V Maintenance Minder System (owner's manual excerpt)
Maintenance Minder code B	Replace engine oil and filter Inspect front and rear brakes Inspect tie rods, steering gearbox and boots Inspect suspension, driveshaft boots, and brake hoses/lines Check all fluid levels and condition Inspect exhaust and fuel lines	2025 Honda CR-V Maintenance Minder System (owner's manual excerpt)
Sub-item 1	Rotate tires	2025 Honda CR-V Maintenance Minder System (owner's manual excerpt)
Sub-item 2	Replace engine air filter (every 15,000 miles in dusty conditions) Replace cabin dust/pollen filter (every 15,000 miles in high-soot urban areas) Inspect drive belt	2025 Honda CR-V Maintenance Minder System (owner's manual excerpt)
Sub-item 3	Replace transmission fluid (CVT: every 25,000 miles if regularly driven at very low speed in mountains)	2025 Honda CR-V Maintenance Minder System (owner's manual excerpt)
Sub-item 4	Replace spark plugs Inspect valve clearance	2025 Honda CR-V Maintenance Minder System (owner's manual excerpt)
Sub-item 5	Replace engine coolant	2025 Honda CR-V Maintenance Minder System (owner's manual excerpt)
Sub-item 6 (AWD)	Replace rear differential fluid	2025 Honda CR-V Maintenance Minder System (owner's manual excerpt)
Sub-item 7 / every 3 years	Replace brake fluid; if no Minder prompt within 36 months, change it every 3 years	2025 Honda CR-V Maintenance Minder System (owner's manual excerpt)
Tune-up (2026 spec sheets)	'100k +/- miles, no scheduled tune-ups'	2026 Honda Civic Sedan Specifications & Features (Honda newsroom)

Accord-specific notes

Gas: CVT fluid every 25,000 miles under severe mountain/low-speed driving
Hybrid: severe-condition transmission fluid every 47,500 miles or 3 years
No rear-differential item (FWD)

Source: 2025 Honda Accord Sedan Maintenance Minder (gas)

More Accord research

Frequently asked questions

How much does it cost to own a Honda Accord?

Is the Accord expensive to maintain?

Is the Accord expensive to insure?

Insurance varies by driver, location and coverage, and CarWhere doesn't publish model-specific premiums. Across all insured cars, U.S. drivers spent an average of $1,282 a year (NAIC, 2023), or $6,410 over 5 years; our state-by-state study shows the average where you live.

How much does a Accord depreciate in 5 years?

In CarWhere's used-market study, 5-year-old Accords (model year 2021) list for 31.9% below the median new price of $32,298, about $10,303 of lost value.

How much does a Accord cost to fuel per year?

About $1,978 a year at 15,000 miles, based on the EPA rating of 31.5 MPG combined; 31–32 MPG across 2 EPA-listed versions and $4.153/gal regular (EIA, week of November 2, 2026). The hybrid version (46 MPG) works out to about $1,357 a year.

Sources and method

Formula: 5-year total = depreciation (median new price × % below new at age 5) + fuel (75,000 mi ÷ EPA combined MPG × EIA national price, or kWh/100 mi × EIA residential rate for EVs) + insurance (NAIC national average expenditure × 5). Lines without a citable source are left blank.

CarWhere car depreciation by model study — CarWhere Research (data as of 2026-10-25)
Fuel economy data (vehicles.csv) — U.S. EPA / DOE, fueleconomy.gov
Weekly U.S. retail gasoline and diesel prices — U.S. Energy Information Administration (week of November 2, 2026)
Auto Insurance Database Report (average expenditure) — NAIC, via CarWhere state study (2023 data)
2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) — Honda (opened 2026-11-06)
2025 Honda Accord Sedan Maintenance Minder (gas) — Honda (opened 2026-11-06)
2025 Honda Accord Hybrid Maintenance Minder — Honda (opened 2026-11-06)
2025 Honda Civic Sedan Maintenance Minder System — Honda (opened 2026-11-06)
2025 Honda Pilot Maintenance Minder System — Honda (opened 2026-11-06)
2025 Honda Odyssey Maintenance Minder System — Honda (opened 2026-11-06)
2026 Honda Civic Sedan Specifications & Features (Honda newsroom) — Honda (opened 2026-11-06)
2026 Honda Odyssey Specifications & Features (Honda newsroom) — Honda (opened 2026-11-06)
New Honda Service Pass Delivers Two Years of Select Maintenance for 2023 Honda Models (Honda newsroom) — Honda (opened 2026-11-06)