Honda Civic Costs

Honda Civic Costs of Ownership

The average cost of owning a Honda Civic for 5 years is $27,571. This total will vary per vehicle, driver and location. These ownership expenses include:

The interactive chart below illustrates the relative proportion of each of the major costs of ownership. Click on any of the expenses boxes to see more detail.

Honda Civic CarEdge Value Rating


This grade is our unbiased, trusted and candid financial assessment of whether the Honda Civic is likely to be a good or bad automobile investment. Learn more about our Value Ratings and methodolgy.

Honda Civic Depreciation

A Honda Civic will depreciate in value by $9,311 after 5 years. Depreciation is difficult to avoid, but it can be managed. Depreciation is the difference between the original sales price, and what the vehicle will be worth in the future. We use 5 years as an example in our analysis.

When new, a typically-equipped Honda Civic sells for $23,953 on average. After 5 years of depreciation, the average residual value will be $14,642. This represents the vehicle's retail market price. Trade-in and private sale prices will likely be lower. Use our Honda Civic Depreciation Calculator to see how model year and mileage will affect your resale value.

Honda Civic Depreciation Calculator

Current Vehicle Age
Current Price
Own it For
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Honda Civic Insurance

The average annual cost for auto insurance for a Honda Civic is $1,606, which adds up to $8,030 after 5 years of ownership. These insurance costs are estimates based on national averages for a 40 year old, with full coverage, a good driving record, and good credit. They also assume a single-car policy, and won't reflect any multi-car discounts. See our Honda Civic Insurance Tool to view rates by state, for different driver ages, credit ratings and driving history.

Honda Civic insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Honda Civic Maintenance

Maintenance and repair costs for a Honda Civic will amount to $1,401 after 5 years. Expenses include scheduled maintenance, normal wear and tear items and expected repairs. These estimates exclude any free warranty work performed.

The region you live, and the way you care for and drive your vehicle can have a big impact on these costs. So, your results may vary significantly from our estimates. Our Honda Civic Maintenance Cost Estimator shows how much you are likely to spend, and the probabilities of a major repair over 10 years.

Honda Civic Financing Costs

The average cost to finance a new Honda Civic would be $2,804 after 5 years. This assumes a 72-month loan with an APR of 4.75% and a 20% down payment. Financing costs are a vehicle cost that you can control. Your interest expense can be greatly reduced by changing your loan term, improving your credit score, or increasing your down payment. If you don't know your credit score, or haven't checked in a while, it's completely free on Credit Karma.

Our Honda Civic Loan Calculator allows you to build a loan that's best suited for you. This handy utility will also help to keep you from becoming upside down, where you end up owing more than the vehicle is worth. You can estimate monthly payments and download the full amortization schedule as well. We've highlighted some typical loan scenarios in the table below. See what a difference a larger down payment will make in lowering your financing costs and your monthly payments.

Honda Civic Loans

Condition Term Down Payment
New 72 Month 0% Down 20% Down
New 60 Month 0% Down 20% Down
Used 48 Month 0% Down 20% Down
Used 36 Month 0% Down 20% Down

Honda Civic Fuel Economy

A Honda Civic gets an average of 32 MPG, which will cost a total of $6,025 for fuel after 5 years, or about $1,205 annually. These estimates are based on recently collected national average fuel prices, assuming 12,000 miles driven per year - 55% city and 45% highway. These figures also reflect current EPA estimates. Fuel costs will vary based on your driving style, fuel prices in your area, and the engine that will be in your vehicle. We used the Honda Civic models and engines below for our estimates:

Honda Civic MPG

Model Powertrain MPG (combined) City Hwy
CIVIC 2DR 4cyl, 2L, Manual(M6) 29 25 35
CIVIC 2DR 4cyl, 1.5L, Manual(M6) 30 26 36
CIVIC 2DR 4cyl, 2L, Auto(AV-S7) 32 29 36
CIVIC 2DR 4cyl, 1.5L, Auto(AV-S7) 33 30 37
CIVIC 2DR 4cyl, 2L, Auto(AV) 33 30 38
CIVIC 2DR 4cyl, 1.5L, Auto(AV) 35 31 40
CIVIC 4Dr 4cyl, 2L, Manual(M6) 29 25 36
CIVIC 4Dr 4cyl, 1.5L, Manual(M6) 30 26 36
CIVIC 4Dr 4cyl, 2L, Auto(AV-S7) 32 29 37
CIVIC 4Dr 4cyl, 1.5L, Auto(AV-S7) 33 30 38
CIVIC 4Dr 4cyl, 2L, Auto(AV) 33 30 38
CIVIC 4Dr 4cyl, 1.5L, Auto(AV) 36 32 42
CIVIC 5DR 4cyl, 2L, Manual(M6) 25 22 28
CIVIC 5DR 4cyl, 1.5L, Auto(AV-S7) 32 29 35
CIVIC 5DR 4cyl, 1.5L, Manual(M6) 32 29 37
CIVIC 5DR 4cyl, 1.5L, Auto(AV) 34 31 40

Honda Civic Video Review