CarFitt

Audi A3 vs Cadillac CT4: cost to own

Verdict, over 6 years

The Audi A3 costs about $4,808 less

That's $67 a month. Closest matching trims: same fuel and drive where possible.
A3 40 TFSI quattro S tronic✓ $1,353/moTrue cost
CT4 Luxury AWD$1,419/moTrue cost
2026 Audi A3
2026 Audi A3
Closest matching trim: A3 40 TFSI quattro S tronic
Sticker (MSRP)$43,950
+$9,874→↓Freight, fees, HST
Drive away$53,824
+ running costs→↓− $21,536 resale
True cost$1,353/moA month to own, after resale
2026 Cadillac CT4
2026 Cadillac CT4
Closest matching trim: CT4 Luxury AWD
Sticker (MSRP)$46,299
+$10,136→↓Freight, fees, HST
Drive away$56,435
+ running costs→↓− $20,599 resale
True cost$1,419/moA month to own, after resale

Line by line

Price
Sticker (MSRP)✓ $43,950$46,299A3 by $2,349
Freight and fees, before tax$3,682✓ $3,644CT4 by $38
Sales tax (HST)✓ $6,192$6,493A3 by $301
Drive-away price✓ $53,824$56,435A3 by $2,611
Running costs, 6 years
Fuel or charging✓ $16,983$18,981A3 by $1,998
Insurance (estimate)✓ $13,791$14,055A3 by $264
Maintenance (estimate)$12,850✓ $10,795CT4 by $2,055
Loan rate6.5%6.5%—
Loan interest✓ $10,268$10,818A3 by $550
Lost return on your money✓ $11,120$11,624A3 by $504
Resale after 6 yrs✓ −$21,535−$20,599A3 by $936
Total
True cost✓ $97,392$102,200A3 by $4,808
True cost a month✓ $1,353/mo$1,419/moA3 by $66
You pay each month✓ $1,428/mo$1,475/moA3 by $47
Practical
Fuel typePremium gasPremium gas—
Seats55—
Carry-ons, 2 peopleNot published2—
Cargo behind row 2, litresNot published303—
Length—4.75 m—
Resale % after 6 yrs✓ 49%44%—
US crash testNot rated yetNot rated yet—
Price
Sticker (MSRP)
A3 40 TFSI quattro S tronic ✓ $43,950CT4 Luxury AWD $46,299Cheaper by A3 by $2,349
Freight and fees, before tax
A3 40 TFSI quattro S tronic $3,682CT4 Luxury AWD ✓ $3,644Cheaper by CT4 by $38
Sales tax (HST)
A3 40 TFSI quattro S tronic ✓ $6,192CT4 Luxury AWD $6,493Cheaper by A3 by $301
Drive-away price
A3 40 TFSI quattro S tronic ✓ $53,824CT4 Luxury AWD $56,435Cheaper by A3 by $2,611
Running costs, 6 years
Fuel or charging
A3 40 TFSI quattro S tronic ✓ $16,983CT4 Luxury AWD $18,981Cheaper by A3 by $1,998
Insurance (estimate)
A3 40 TFSI quattro S tronic ✓ $13,791CT4 Luxury AWD $14,055Cheaper by A3 by $264
Maintenance (estimate)
A3 40 TFSI quattro S tronic $12,850CT4 Luxury AWD ✓ $10,795Cheaper by CT4 by $2,055
Loan rate
A3 40 TFSI quattro S tronic 6.5%CT4 Luxury AWD 6.5%Cheaper by —
Loan interest
A3 40 TFSI quattro S tronic ✓ $10,268CT4 Luxury AWD $10,818Cheaper by A3 by $550
Lost return on your money
A3 40 TFSI quattro S tronic ✓ $11,120CT4 Luxury AWD $11,624Cheaper by A3 by $504
Resale after 6 yrs
A3 40 TFSI quattro S tronic ✓ −$21,535CT4 Luxury AWD −$20,599Cheaper by A3 by $936
Total
True cost
A3 40 TFSI quattro S tronic ✓ $97,392CT4 Luxury AWD $102,200Cheaper by A3 by $4,808
True cost a month
A3 40 TFSI quattro S tronic ✓ $1,353/moCT4 Luxury AWD $1,419/moCheaper by A3 by $66
You pay each month
A3 40 TFSI quattro S tronic ✓ $1,428/moCT4 Luxury AWD $1,475/moCheaper by A3 by $47
Practical
Fuel type
A3 40 TFSI quattro S tronic Premium gasCT4 Luxury AWD Premium gasCheaper by —
Seats
A3 40 TFSI quattro S tronic 5CT4 Luxury AWD 5Cheaper by —
Carry-ons, 2 people
A3 40 TFSI quattro S tronic Not publishedCT4 Luxury AWD 2Cheaper by —
Cargo behind row 2, litres
A3 40 TFSI quattro S tronic Not publishedCT4 Luxury AWD 303Cheaper by —
Length
A3 40 TFSI quattro S tronic —CT4 Luxury AWD 4.75 mCheaper by —
Resale % after 6 yrs
A3 40 TFSI quattro S tronic ✓ 49%CT4 Luxury AWD 44%Cheaper by —
US crash test
A3 40 TFSI quattro S tronic Not rated yetCT4 Luxury AWD Not rated yetCheaper by —

✓ marks the better figure. Resale for both is typical for their type and brand (unless you lease). Their stickers differ by $2,349.