Honda Civic Cost to Own
By CarWhere Research · Updated
A 2026 Honda Civic costs about $24,474 over 5 years and 75,000 miles in depreciation, fuel and insurance. Fuel is the biggest share at $9,161; depreciation $8,903 and national-average insurance $6,410 make up the rest. Scheduled maintenance, repairs and registration fees come on top.
5-year total
$24,474
depreciation + fuel + insurance
Depreciation
$8,903
31.5% of new price
Fuel
$9,161
$1,832/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.
| Line | 5 years | Per year | How it’s calculated | Source |
|---|---|---|---|---|
| Depreciation | $8,903 | $1,781 | $28,263 median new price (2026) × 31.5% below new for 5-year-old (2021) listings | CarWhere depreciation study |
| Fuel | $9,161 | $1,832 | 75,000 mi ÷ 34 MPG × $5.158/gal premium, $4.153/gal regular (median of 5 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 Civic. | 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 | $24,474 | $4,895 | Depreciation + fuel + national-average insurance. Maintenance, repairs and fees not included. | |
Depreciation
New Civics list for a median $28,263 (13,454 listings). In CarWhere’s used-market study, 2021 models (5 years old) list 31.5% below that, so a Civic loses about $8,903 in its first five years.
| Model year | Age | Median listing | Below new | Listings |
|---|---|---|---|---|
| 2021 | 5 | $19,371 | 31.5% | 784 |
Fuel
The EPA rates the 2026 Civic at 34 MPG combined; 24–36 MPG across 5 EPA-listed versions. At $5.158/gal premium, $4.153/gal regular (EIA, week of November 2, 2026), 75,000 miles cost about $9,161, or $1,832 a year. The hybrid version (48.5 MPG) works out to about $6,423 over the same miles.
EPA versions included: Civic 4Dr, Civic 5Dr.
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 Civic 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 Civic: CVT: severe-condition fluid every 25,000 miles; manual transmission every 37,500 miles. We list the schedule rather than a dollar figure because Honda doesn't publish service prices.
For repair patterns owners report, see Civic 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)
| Interval | Items | Source |
|---|---|---|
| Maintenance Minder code A |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Maintenance Minder code B |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 1 |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 2 |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 3 |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 4 |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 5 |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 6 (AWD) |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Sub-item 7 / every 3 years |
| 2025 Honda CR-V Maintenance Minder System (owner's manual excerpt) |
| Tune-up (2026 spec sheets) |
| 2026 Honda Civic Sedan Specifications & Features (Honda newsroom) |
Civic-specific notes
- CVT: severe-condition fluid every 25,000 miles; manual transmission every 37,500 miles
- Valve clearance item is listed for manual-transmission models
More Civic research
Frequently asked questions
How much does it cost to own a Honda Civic?
A 2026 Honda Civic costs about $24,474 over 5 years and 75,000 miles in depreciation, fuel and insurance. Fuel is the biggest share at $9,161; depreciation $8,903 and national-average insurance $6,410 make up the rest. Scheduled maintenance, repairs and registration fees come on top.
Is the Civic 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 Civic: CVT: severe-condition fluid every 25,000 miles; manual transmission every 37,500 miles. We list the schedule rather than a dollar figure because Honda doesn't publish service prices.
Is the Civic 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 Civic depreciate in 5 years?
In CarWhere's used-market study, 5-year-old Civics (model year 2021) list for 31.5% below the median new price of $28,263, about $8,903 of lost value.
How much does a Civic cost to fuel per year?
About $1,832 a year at 15,000 miles, based on the EPA rating of 34 MPG combined; 24–36 MPG across 5 EPA-listed versions and $5.158/gal premium, $4.153/gal regular (EIA, week of November 2, 2026). The hybrid version (48.5 MPG) works out to about $1,285 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)