Honda Civic LX (gas) cost to own in North Carolina — the true 5-year total
The Honda Civic LX (gas) starts at $25,400. As of July 1, 2026, over 5 years, owning one (gas car) costs about $35,078 in North Carolina — $585/month, $0.58/mile — including depreciation, fuel, maintenance, insurance, financing and fees. That's $1,018 more than a comparable Toyota Corolla LE (gas) over the same 5 years. North Carolina's electricity (16.3¢/kWh) is 14% below the U.S. average, and gas runs $3.52/gal here — both fed straight into the numbers above.
Honda Civic LX (gas) · North Carolina · 5-year estimate$35,078 total · $585/mo · $0.58/mi
Where the money goes
| Cost component | Gas · Honda Civic LX | Gas · Toyota Corolla LE |
|---|---|---|
| Depreciation (estimated) | $9,144 (26%) | $8,050 (24%) |
| Charging / fuel | $5,870 (17%) | $6,038 (18%) |
| ↳ of which charging loss | — | — |
| Maintenance | $4,620 (13%) | $4,980 (15%) |
| Insurance | $11,000 (31%) | $11,000 (32%) |
| Financing interest | $4,213 (12%) | $3,761 (11%) |
| Registration & fees | $231 (1%) | $231 (1%) |
| Total cost of ownership | $35,078 | $34,060 |
Honda Civic LX (gas) specs & assumptions
- Starting MSRP
- $25,400manufacturer base
- Powertrain
- Gas
- Efficiency
- 36 mpgEPA
- North Carolina gas
- $3.52/galAAA
- Annual miles (assumed)
- 12,000adjustable in tool
Compare the Honda Civic LX (gas) against any car, your miles & your state
What else moves your Honda Civic 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 $25,400 at a typical 7.2% new-car APR over 60 months and interest alone adds about $4,921. 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 North Carolina's pump price of $3.52/gal. Enter your local price in the calculator — at high-mileage driving it's the biggest single lever.
Recalls & reliability record — Civic
Official U.S. National Highway Traffic Safety Administration (NHTSA) safety record for the Civic, MY 2017–2026. Figures cover all powertrains and trims sold under the Civic 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 (16)
- 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.
- Fuel System
Dealers will inspect and replace the high-pressure fuel pump as necessary, free of charge.
- Steering
Dealers will replace the worm gear spring and redistribute or add grease 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.
- Steering
Dealers will inspect and replace the electric power steering rack, as necessary, free of charge.
- Service Brakes
Dealers will inspect and repair the brake booster assembly as necessary, free of charge.
Full recall history: every Civic campaign → — all 16 campaigns, grouped by year.
Consumer complaints
NHTSA has 2,749 consumer complaints on file for the Civic (MY 2017–2026). The most-reported areas: Steering, Electrical System, Fuel/Propulsion System. Complaints are unverified reports submitted by consumers to NHTSA.
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