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

Honda Civic
Hybrid CVT AT

Base Price (inc. dest):  $23,270.00
Tax Credit: $1,050.00 (1/08 - 6/30/08)
Adjusted MSRP: $22,220.00
Premium:  $2040.00
MPG: 40/45 (city/hwy)
MPG Benefit: 13
Combined MPG: 42
Annual Gas Cost (15,000 miles, $4.20 per gallon):  $1,500.00
Gas Savings:  $672.41
Years to Payback: 3.0
EPA Pollution Rating: 9.5
Compared to: 2008 Honda Civic EX, AT
Base Price (inc. dest): $20,180.00
MPG: 25/36 (city/hwy)
Combined MPG: 29
Our Take: “The Honda Civic Hybrid is roomy, comfortable, efficient, and affordable. We highly recommend a test drive.”

Details, Price Quotes:
Honda Civic Hybrid