Honda Accord LX (gas) cost to own in Michigan — the true 5-year total
The Honda Accord LX (gas) starts at $28,000. As of July 1, 2026, over 5 years, owning one (gas car) costs about $39,588 in Michigan — $660/month, $0.66/mile — including depreciation, fuel, maintenance, insurance, financing and fees. That's $3,315 more than a comparable Honda Civic LX (gas) over the same 5 years. Michigan's electricity (21.4¢/kWh) is 14% above the U.S. average, and gas runs $4.08/gal here — both fed straight into the numbers above.
Honda Accord LX (gas) · Michigan · 5-year estimate$39,588 total · $660/mo · $0.66/mi
Where the money goes
| Cost component | Gas · Honda Accord LX | Gas · Honda Civic LX |
|---|---|---|
| Depreciation (estimated) | $10,640 (27%) | $9,144 (25%) |
| Charging / fuel | $7,646 (19%) | $6,797 (19%) |
| ↳ of which charging loss | — | — |
| Maintenance | $5,100 (13%) | $4,620 (13%) |
| Insurance | $11,000 (28%) | $11,000 (30%) |
| Financing interest | $4,702 (12%) | $4,213 (12%) |
| Registration & fees | $500 (1%) | $500 (1%) |
| Total cost of ownership | $39,588 | $36,273 |
Honda Accord LX (gas) specs & assumptions
- Starting MSRP
- $28,000manufacturer base
- Powertrain
- Gas
- Efficiency
- 32 mpgEPA
- Michigan gas
- $4.08/galAAA
- Annual miles (assumed)
- 12,000adjustable in tool
Compare the Honda Accord LX (gas) against any car, your miles & your state
What else moves your Honda Accord LX (gas) cost
The 5-year total already folds in depreciation, fuel, insurance, maintenance and financing. Here's how the biggest levers work — and the ones that sit outside the total.
- Financing. Borrow the full $28,000 at a typical 7.2% new-car APR over 60 months and interest alone adds about $5,425. Lower the APR or add a down payment in the calculator and the total drops — financing is in the 5-year figure above.
- Insurance. Budget about $2,200/yr to insure this class — our own estimate, calibrated to Insurify/Bankrate 2026, included in the total above. Quotes vary widely by driver and ZIP, so get your own before deciding.
- Fuel price. The total uses Michigan's pump price of $4.08/gal. Enter your local price in the calculator — at high-mileage driving it's the biggest single lever.
Recalls & reliability record — Accord
Official U.S. National Highway Traffic Safety Administration (NHTSA) safety record for the Accord, MY 2017–2026. Figures cover all powertrains and trims sold under the Accord nameplate for the model years shown. A recall means a free remedy is available at no cost. Source: NHTSA (nhtsa.gov), data as of .
Recalls (15)
- Air Bags
Dealers will replace the seat weight sensors, free of charge.
- Seats
Dealers will replace the driver's seat cushion frame, free of charge.
- Seats
Dealers will replace the driver's seat cushion frame, free of charge.
- Fuel System
Dealers will inspect and replace the high-pressure fuel pump as necessary, free of charge.
- Air Bags
Dealers will replace the seat weight sensors, free of charge.
- Fuel System
Dealers will replace the fuel pump module, free of charge.
- Seat Belts
Dealers will inspect and replace the seat belt pretensioner assemblies as necessary, free of charge.
- Service Brakes
Dealers will replace the VSA modulator, free of charge.
Full recall history: every Accord campaign → — all 15 campaigns, grouped by year.
Consumer complaints
NHTSA has 3,717 consumer complaints on file for the Accord (MY 2017–2026). The most-reported areas: Engine, Forward Collision Avoidance, Electrical System. Complaints are unverified reports submitted by consumers to NHTSA.
Honda Accord LX (gas) head-to-head comparisons
The 5-year cost gap against the cars buyers cross-shop:
← Honda Accord LX (gas) cost (U.S. average)