There is no single cost to own a Honda SUV: the total depends on the model and trim, where you live, how far and how you drive, how you pay, and how long you keep it. In the United States, Honda’s listed starting MSRPs for 2026 range from $26,500 for an HR-V to $44,950 for a Passport, but MSRP is only a purchase-price anchor—not an out-the-door price or a cost-of-ownership estimate. To estimate what you will really spend, include depreciation, financing, fuel, maintenance and repairs, insurance, and taxes, license, and registration.
What does it cost to own a Honda SUV?
It depends on the particular vehicle and your circumstances. A new, less expensive SUV driven modestly and kept for many years can have a very different total cost from a higher-trim, all-wheel-drive model financed over a shorter period. Two owners of the same model may also pay different amounts for fuel, insurance, financing, and local taxes and fees.
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Start by separating three figures that are often confused:
- MSRP: the manufacturer’s suggested starting retail price. It may exclude destination, accessories, taxes, license, registration, and dealer charges.
- Out-the-door price: the amount on the dealer’s purchase paperwork after the vehicle price, destination and other applicable charges, taxes, and fees are accounted for.
- Total ownership cost: the broader cost of having and using the vehicle over a chosen period, including depreciation, financing, fuel, maintenance and repairs, insurance, and government charges.
A monthly loan payment is not a total ownership-cost estimate. It does not necessarily include fuel, insurance, upkeep, taxes, or the value the vehicle loses while you own it. It also does not show what you may recover when you sell or trade the SUV.
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2026 Honda SUV starting prices in the United States
Honda’s U.S. lineup lists the following starting MSRPs for these 2026 models. They are useful for comparing the entry points of the model lines, but not for predicting what a particular buyer will pay.
| 2026 model | Starting MSRP | Useful distinction |
|---|---|---|
| HR-V | $26,500 | Compact SUV; available with two-wheel drive (2WD) or all-wheel drive (AWD). |
| CR-V | $30,920 | Available with gasoline or hybrid powertrains; EPA fuel ratings vary by configuration. |
| Pilot | $42,395 | Three-row family SUV with seating for up to eight, according to Honda. |
| Passport | $44,950 | A higher starting MSRP than the other models listed here. |
These are model-line starting prices, not like-for-like trim comparisons. A higher trim, different drivetrain, options, or accessories can change the vehicle price. Honda’s 2026 CR-V pricing information specifically says its MSRP excludes a $1,450 destination charge, tax, license, registration, and accessories; it also says dealer prices may vary and a $455 premium-color charge may apply. Those CR-V figures and disclosures should not be assumed to apply to the HR-V, Pilot, or Passport. Check the exact model, trim, and dealer quote for the charges that apply to your purchase.
Honda lists later model years for some vehicle lines, so treat these figures as 2026 model-year anchors, not evergreen prices. Confirm the model year and current listing when comparing vehicles or requesting a quote.
The six cost categories to include
AAA’s ownership-cost calculator frames its estimate around financing and owning a vehicle for five years, then trading it in. It uses six categories. Its estimate depends on the selections entered, including state, annual mileage, model year, make, model, and trim; it is not a single fixed cost for every owner.
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| Cost category | What to include in your estimate |
|---|---|
| Depreciation | The value lost during ownership: generally, what you pay compared with what the SUV is worth when you sell or trade it. |
| Financing | The financing cost under your actual loan assumptions. Consider the amount financed, term, and interest rate rather than treating the monthly payment as the whole cost. |
| Fuel | Expected annual miles, the fuel economy of the exact configuration, and a local price per gallon. |
| Maintenance, repairs, and tires | Expected routine service, repairs, and tire costs over the ownership period. Use assumptions that fit the vehicle and the period; do not treat an unsupported average as a Honda-specific figure. |
| Insurance | A quote for the vehicle and trim in your location, based on the relevant driver and coverage details. |
| License, registration, and taxes | Applicable purchase and ownership charges in your state or locality. |
For a useful comparison, use the same ownership period and annual mileage for each model you are considering. Record the state, model year, trim, drivetrain, city/highway driving mix, financing terms, fuel-price assumption, and the date and source for insurance and resale estimates. If any of those inputs differ between estimates, the resulting totals may not be comparable.
How to estimate fuel cost for your configuration
Fuel cost depends on the particular engine, drivetrain, and trim—not just the badge on the tailgate. A simple estimate is:
Annual fuel cost = annual miles ÷ expected miles per gallon × local price per gallon
Use either an EPA rating for the exact configuration or your own observed fuel economy, and identify which one you used. EPA ratings are comparison figures, not a promise of what every driver will achieve; driving conditions and habits affect actual fuel economy.
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2026 CR-V EPA ratings
Honda’s 2026 CR-V guide lists these EPA ratings for configurations using regular unleaded gasoline:
| 2026 CR-V configuration | City MPG | Highway MPG | Combined MPG |
|---|---|---|---|
| Gasoline, 2WD | 28 | 33 | 30 |
| Hybrid, 2WD | 43 | 36 | 40 |
| Gasoline, AWD | 27 | 31 | 29 |
| Hybrid, AWD, depending on trim | 38–40 | 33–34 | 35–37 |
The AWD hybrid range reflects differences among listed trims; do not apply one rating to every AWD hybrid CR-V. Match the rating to the exact vehicle you are pricing.
2026 HR-V EPA ratings
Honda’s 2026 HR-V guide lists regular unleaded gasoline for both drivetrains:
| 2026 HR-V configuration | City MPG | Highway MPG | Combined MPG |
|---|---|---|---|
| 2WD | 26 | 32 | 28 |
| AWD | 25 | 30 | 27 |
For an arithmetic illustration, at 10,000 miles in a year, dividing miles by the combined rating gives roughly 333 gallons for a 30-MPG CR-V, 250 gallons for a 40-MPG CR-V, and 357 gallons for a 28-MPG HR-V. These are estimated gallons, not dollar costs or promises of real-world consumption. Multiply the appropriate gallon estimate by your local price per gallon to estimate annual fuel spending. If your driving is mostly city or highway, use a suitable driving-mix estimate rather than assuming combined MPG will match your use.
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Why a hybrid’s fuel savings do not settle the cost comparison
A hybrid’s higher fuel economy can reduce fuel use, but fuel savings alone do not show whether it will cost less to own. A fair comparison also needs the prices of the exact trims, depreciation or resale assumptions, financing, insurance, and maintenance assumptions over the same ownership period. If you drive fewer miles, the fuel-cost difference may have less influence on your total than it would for a high-mileage driver; the size of that difference still depends on local fuel prices and actual consumption.
AAA’s September 15, 2026, statement describes comparing electric, hybrid, and traditional gas-powered vehicles within the same categories to understand how total ownership costs vary by powertrain. That is the useful principle: compare the full set of costs, not one efficiency rating in isolation.
How to build a personalized Honda SUV estimate
- Choose an exact vehicle. Record the model year, model, trim, powertrain, and drivetrain. A broad label such as “CR-V” is not enough when prices and fuel ratings vary by configuration.
- Set the ownership period and mileage. Choose how many years you expect to keep the SUV and how many miles you expect to drive annually. Keep both assumptions the same when comparing alternatives.
- Get an actual purchase figure. Start with the trim’s price, then request a dealer quote that identifies destination, options, accessories, dealer charges, tax, license, and registration as applicable. Do not treat MSRP as the out-the-door total.
- Estimate financing separately. Use your expected amount financed, interest rate, and loan term. Keep financing cost distinct from the vehicle’s purchase price and other running costs.
- Calculate fuel using a stated MPG input. Use the exact configuration’s EPA rating or your own observed MPG, multiply the resulting gallons by a local fuel price, and label the price and date you used.
- Collect insurance and resale assumptions. Request an insurance quote for the actual trim and your location. For depreciation, use a resale or trade-in estimate that matches the vehicle and ownership horizon, and record its source and date.
- Add maintenance, repair, tire, and government costs. Include applicable upkeep and local charges over the same period. If you cannot find a supported model-specific figure, identify the estimate as uncertain rather than presenting a made-up precise total.
- Compare totals and assumptions. Add the categories for each candidate, then inspect which inputs drive the difference. A lower total is only meaningful if the mileage, time horizon, local conditions, and cost assumptions are comparable.
AAA’s calculator is one way to organize the categories: it asks for the state, annual mileage, model year, make, model, and trim, and its published framework uses a five-year ownership period before trade-in. The resulting estimate remains conditional on those selections; use your own financing and local quotes where they differ from the calculator’s assumptions.
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AAA reported an average annual cost of $12,863, or $1,071.92 per month, to own and operate a new vehicle across its 2026 study. That figure covers the study’s vehicle sample; it is not a Honda SUV estimate and should not be used as a specific CR-V, HR-V, Pilot, or Passport budget. AAA also noted that its 2026 methodology changed, so its 2026 estimate is not directly comparable with its 2025 figure.
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AAA’s study reported weighted-average depreciation of $4,422 per year and used $4.152 per gallon for regular gasoline as the fuel-price context at the time of the study. Both figures are study-wide context, not a prediction for an individual Honda SUV or a statement of the fuel price where you live. Your location, vehicle, use, purchase price, and resale outcome can produce a different result.
There is no established universal Honda SUV insurance premium or single model-specific maintenance, repair, or resale figure in the cited ownership-cost information. Any third-party model-level estimate needs to be read with its publisher, retrieval date, location, exact trim, and methodology in view; a number without those assumptions can create a false sense of precision.
How to compare Honda SUVs without hiding the trade-offs
Compare costs first on equal terms, then consider whether each vehicle meets your needs. For each candidate, put the purchase quote, fuel estimate, financing, resale or depreciation assumption, insurance quote, maintenance and tire allowance, and taxes and fees into the same ownership-period estimate. Use a consistent annual mileage and the same local fuel-price date. Show uncertain inputs explicitly instead of allowing a single total to make them look certain.
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The best estimate is therefore not one number for “a Honda SUV.” It is a documented scenario for a particular model, trim, location, driver, mileage, financing arrangement, and ownership horizon. That lets you see both the expected total and which assumptions could change it most.
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