Why, the Civic is cheaper to buy, cheaper to insure; the Accords better economy may never make up for the difference.
With a 45 mpg baseline savings over that will always be marginal.
The Accord may be more pleasant to drive, and well worth the money for that.
I like the Accords hybrid system for being rudely simple.
No gearbox...!
Is this the way all hybrids will be built in the future?
From
Explaining the Honda Accord's Shrewdly Designed New Hybrid System – Tech Dept. – Car and Driver:
The engine powers a generator and (optionally) the wheels. The first motor/generator is always connected to the wheels, the second generator(/motor) to the engine; all linked by fixed gears.
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2011 Honda Insight + HID, LEDs, tiny PV panel, extra brake pad return springs, neutral wheel alignment, 44/42 PSI (air), PHEV light (inop), tightened wheel nut.
lifetime FE over 0.2 Gmeter or 0.13 Mmile.
For confirmation go to people just like you.
For education go to people unlike yourself.