2027 BMW M3: real cost in Ontario
See the M3 on BMW's site ↗Prices read 2026-11-06
Cheapest trim, Sedan · Toronto · age 35–59 · 6 years · 18,000 km a yearChange
Sticker$96,500the advertised price
Drive away$113,221with fees and HST
Loan payment$1,819/mo72-month loan at 6.5%, $5,000 down
True cost$2,359/moeverything, after resale
$113,221 to drive away + $103,915 to run it for 6 years − $47,285 back at resale = $169,852, or $2,359 a month.
Where the money goes
Drive away$113,221
Running it, 6 yrs+$103,915
Back at resale−$47,285
Sticker pricethe advertised MSRP
+$96,500Feesfreight $2,955 · dealer $595 · levies $146
+$3,696HST, 13%Ontario
+$13,025Fuel18,000 km a year at 12.8 L/100 km
+$25,574Loan interest6.5% over 72 months
+$22,761Lost return on your money5% a year on the down payment and each payment
+$22,579Insuranceestimate, age 35–59, Toronto
+$20,060Maintenanceestimate
+$12,850Registration and plates6 years in Ontario
+$91Resale after 6 years49% of MSRP, you get this back
−$47,285True cost $169,852 ÷ 72 months$2,359 a month
The car
Size and space
BodySedan4.80 m long
Seats5
CargoNot published
Engine and fuel
Engine473–523 hp premium gas, RWD
0–100 km/h4.0–4.3 sBMW's figure
Fuel use12.8 L/100 kmNatural Resources Canada
TowingNot published
Tires18" or 19"by trim
Safety and cover
US crash testNot rated yet
Resale at 6 years49% of MSRPaverage for its type
Every trim
All trims: RWD, 12.8 L/100 km, 5 seats.| Sedan | $96,500 | $113,221 | $169,852 | ✓ $2,359/mo | — No |
| Competition Sedan | $105,500 | $124,634 | $182,513 | $2,535/mo | ✓ Yes |
Sedan
✓ $2,359/mo
True cost
Competition Sedan
$2,535/mo
True cost
Features, trim by trim
Cheapest on the left. Each bar starts at the trim that adds it. + $ is the cheapest factory option or package that adds it (hover for its name).Feature
Sedan$96,500
Competition Sedan$105,500
Safety and driver assist
Automatic braking
✓ Every trim
Adaptive cruise
✓ Every trim
360° camera
+ $4,250 on every trim
Parking sensors
✓ Every trim
Comfort
Heated seats
✓ Every trim
Cooled seats
+ $900 on every trim
Convenience
Power driver's seat
✓ Every trim
Memory seat
✓ Every trim
Tech and audio
Premium sound system
+ $4,250 on every trim
Not listed on any trimBlind-spot monitorRear cross-traffic alertLane centeringHands-free drivingHeated steering wheelHeated rear seatsDual-zone climateMassaging seatsPush-button startRemote startPower liftgateWireless phone chargingApple CarPlay and Android AutoWireless CarPlayBuilt-in navigationHead-up displayLarge touchscreen (12 in+)AWD or 4WDTow hitch includedSunroofPanoramic roofLED headlights
Full standard equipment on the Sedan (34 items)
- M Sport Differential
- Storage Compartment Package
- Heated Seats, Front
- C02 Scope
- 18"/19" M Forged Wheels, Double-Spoke, 824M, Orbit Grey, Perf.
- Lumbar Support
- BMW Curved Display
- Luggage-Compartment Emergency Unlocking
- Rear View Camera
- Auto Dimming and Folding Mirror Package
- Auto Dimming Interior Mirror
- Control Code, Infotainment
- Cruise Control
- Power Front Seats w/ Driver Memory
- Park Distance Control, Front and Rear
- High-Beam Assistant
- Matte Dark Graphite Trim
- Blow-by Heater
- Control Code, Body
- Black Roofliner
- Automatic Climate Control
- SiriusXM Satellite Radio
- Active Guard - Frontal Collision Warning
- Radio Control Code
- Gloss Black Window Surround
- Digital Cockpit Plus
- M Sport Seats
- Visible VIN
- A/C Refrigerant
- Adaptive M Suspension
- Hot-Climate Version
- English Language Version
- Intelligent Emergency Call
- Teleservices
Quick answers
- How much is a 2027 M3 in Ontario?
- $113,221 to drive away for the Sedan, from a $96,500 sticker.
- What does it cost a month?
- A $1,819 loan payment, about $2,633 a month with insurance, fuel and upkeep ($5,000 down); about $2,359 a month all in, after resale.
- How much can it tow?
- The brand doesn't publish a towing capacity.
Colours
BMW Individual Manufaktur Paintwork+$6,000Skyscraper Grey Metallic+$900Aventurine Red III Metallic+$1,500Brooklyn Grey Metallic+$900Isle of Man Green Metallic+$900Sao Paulo Yellow Non-MetallicBlack Sapphire Metallic+$900Tanzanite Blue Metallic+$1,500Toronto Red Metallic+$900Dravit Grey Metallic+$1,500Portimao Blue Metallic+$900Frozen Portimao Blue+$6,000Frozen Pure Grey II+$6,000Frozen Brilliant White+$6,000Alpine White Non-Metallic
Similar cars
Prices from BMW's BMW Canada configurator (Ontario pricing); may have changed, so confirm with a dealer. Insurance and maintenance are estimates. How we count.