Honda Civic 82·Toyota Highlander 78on the MotiveGrid Score·Honda Civic about $23,765 less over 5 years
The verdict
The 2026 Honda Civic is the cheaper one to own — roughly $23,765 less over five years, mostly because it holds its value better. The Toyota Highlander counters with more power (265 vs 158 hp) and seating for 7.
Go with the Honda Civic for the better long-term value; consider the Toyota Highlander if you prioritize stronger acceleration and more passenger space.
Last updated May 2026 · National-average estimates
Honda Civic vs. Toyota Highlander
MotiveGrid scores, key specs, and five-year cost comparison: 2026 Honda Civic versus 2026 Toyota Highlander.
Metric
Honda Civic
Toyota Highlander
MotiveGrid Score
82
78
Cost of Ownership
93
73
Powertrain
60
70
Driver Assistance
43
43
Livability
71
46
Safety
77
93
5-Year Cost to Own
$33,800
$57,565
Depreciation (5-yr)
$7,532
$19,174
Fuel / Energy (5-yr)
$9,352
$14,034
Insurance (5-yr)
$9,545
$12,325
Maintenance (5-yr)
$1,315
$1,765
Tires (5-yr)
$1,550
$2,150
Financing (5-yr)
$3,716
$6,901
Registration (5-yr)
$790
$1,215
Starting Price
$24,695
$45,870
Horsepower
158 hp
265 hp
MPG (combined)
36 mpg
24 mpg
Cargo volume
14.8 cu ft
16 cu ft
Seating
5
7
Towing capacity
—
5,000 lbs
Drivetrain
FWD
AWD
Gas
2026$24,695
MSRP
$24,695
Mo · 5yr
$563
$33,800 / 5 years
Best for long-term savings
Gas
2026$45,870
MSRP
$45,870
Mo · 5yr
$959
$57,565 / 5 years
Best for families
VS
01 · The MotiveGrid Score
Five measured pillars, weighted into one score.
Cost, Powertrain, Driver Assistance, Livability, and Safety — each scored against its class, then combined into a single MotiveGrid Score. Built by our engineering team and benchmarked against independent sources like NHTSA, IIHS, and CarEdge. How it’s calculated →
Honda Civic scores higher overall.
Honda Civic
0
/ 100
Toyota Highlander
0
/ 100
CostFive-year all-in cost to own, benchmarked against the class median.
Civic
93
Highlander
73
Winner: Civic
$23,765 cheaper / 5 yrs
PowertrainEnergy efficiency paired with long-term ownership confidence.
Civic
60
Highlander
70
Winner: Highlander
+10 pts
Driver AssistHighway driving support, parking convenience, and hands-free automation.
Civic
43
Highlander
43
Evenly matched
LivabilityPassenger space, cargo room, and everyday maneuverability.
Civic
71
Highlander
46
Winner: Civic
+25 pts
SafetyCrash-test protection plus standard crash-avoidance features.
Honda Civic is the better pick for long-term ownership — about $23,765 cheaper over 5 years with stronger fundamentals on running cost.
Toyota Highlander still wins if your priority is best for families.
Daily commuter
Honda Civic
Lowest energy cost per mile
Budget-focused
Honda Civic
Cheapest to own across 5 years
Family hauler
Toyota Highlander
Much stronger safety with marginally more cargo space and more seats
Highway driver
Honda Civic
Better adaptive cruise + lane keep
City driver
Honda Civic
Easiest to park and maneuver in tight spots
03
Cost of Ownership
Monthly running costs — national baseline.
Adjust for your situation
State
Miles/yr15,000
Loan rate7%
Down payment20%
Honda Civic
Monthly · 5-Year avg
$563
$33,800 total / 5 years
Total · monthly$563/mo
Toyota Highlander
Monthly · 5-Year avg
$959
$57,565 total / 5 years
Total · monthly$959/mo
04
Frequently asked questions
Honda Civic comes out about $23,765 cheaper over 5 years on running costs (depreciation, fuel/energy, insurance, maintenance, financing). The gap shifts with your state, annual miles, and loan rate — use the "Adjust for your situation" panel above.