From fuel prices to tax credits, which hybrid pays you back?

Chevrolet Malibu Hybrid

Base Price (inc. dest): $24,545.00
Tax Credit: 1,300.00
Adjusted MSRP: $23,245.00
Premium: $1,410.00
MPG: 24/32 (city/hwy)
MPG Benefit: 2
Combined MPG: 27
Annual Gas Cost (15,000 miles, $4.20 per gallon): $2,333.33
Gas Savings: $186.67
Years to Payback: 7.6
EPA Pollution Rating: N/A
Compared to: 2008 Chevrolet Malibu LT
Base Price (inc. dest): $21,835.00
MPG: 22/30 (city/hwy)
Combined MPG: 25
Our Take: “The Malibu Hybrid gives little in terms of real hybrid value, but counters that with a competitive price. Hold on tight for the Two-Mode.”

Details, Price Quotes:
Chevrolet Malibu Hybrid