BMW 4 Series Cabriolet vs Cadillac CT5-V: cost to own

Verdict, over 6 years

The BMW 4 Series Cabriolet costs about $6,710 less

That's $93 a month. Closest matching trims: same fuel and drive where possible.

4 Series Cabriolet 430i xDrive Cabriolet✓ $1,861/moTrue cost

CT5-V V-Series AWD$1,954/moTrue cost

2027 BMW 4 Series Cabriolet

Closest matching trim: 4 Series Cabriolet 430i xDrive Cabriolet

Sticker (MSRP)$72,500

+$13,601→↓Freight, fees, HST

Drive away$86,101

+ running costs→↓− $35,525 resale

True cost$1,861/moA month to own, after resale

2026 Cadillac CT5-V

Closest matching trim: CT5-V V-Series AWD

Sticker (MSRP)$72,999

+$13,720→↓Freight, fees, HST

Drive away$86,719

+ running costs→↓− $32,478 resale

True cost$1,954/moA month to own, after resale

Line by line


Price
Sticker (MSRP)	✓ $72,500	$72,999	4 Series Cabriolet by $499
Freight and fees, before tax	✓ $3,696	$3,744	4 Series Cabriolet by $48
Sales tax (HST)	✓ $9,905	$9,977	4 Series Cabriolet by $72
Drive-away price	✓ $86,101	$86,719	4 Series Cabriolet by $618
Running costs, 6 years
Fuel or charging	✓ $17,982	$23,177	4 Series Cabriolet by $5,195
Insurance (estimate)	$18,081	✓ $17,223	CT5-V by $858
Maintenance (estimate)	$12,850	✓ $11,309	CT5-V by $1,541
Loan rate	6.5%	6.5%	—
Loan interest	✓ $17,057	$17,187	4 Series Cabriolet by $130
Lost return on your money	✓ $17,347	$17,466	4 Series Cabriolet by $119
Resale after 6 yrs	✓ −$35,525	−$32,478	4 Series Cabriolet by $3,047
Total
True cost	✓ $133,984	$140,693	4 Series Cabriolet by $6,709
True cost a month	✓ $1,861/mo	$1,954/mo	4 Series Cabriolet by $93
You pay each month	✓ $2,044/mo	$2,093/mo	4 Series Cabriolet by $49
Practical
Fuel type	Premium gas	Premium gas	—
Seats	4	5	—
Carry-ons, 2 people	Not published	3	—
Cargo behind row 2, litres	Not published	337	—
Length	4.77 m	4.92 m	—
Resale % after 6 yrs	✓ 49%	44%	—
US crash test	Not rated yet	✓ 5★	—

Price

Sticker (MSRP)

4 Series Cabriolet 430i xDrive Cabriolet ✓ $72,500CT5-V V-Series AWD $72,999Cheaper by 4 Series Cabriolet by $499

Freight and fees, before tax

4 Series Cabriolet 430i xDrive Cabriolet ✓ $3,696CT5-V V-Series AWD $3,744Cheaper by 4 Series Cabriolet by $48

Sales tax (HST)

4 Series Cabriolet 430i xDrive Cabriolet ✓ $9,905CT5-V V-Series AWD $9,977Cheaper by 4 Series Cabriolet by $72

Drive-away price

4 Series Cabriolet 430i xDrive Cabriolet ✓ $86,101CT5-V V-Series AWD $86,719Cheaper by 4 Series Cabriolet by $618

Running costs, 6 years

Fuel or charging

4 Series Cabriolet 430i xDrive Cabriolet ✓ $17,982CT5-V V-Series AWD $23,177Cheaper by 4 Series Cabriolet by $5,195

Insurance (estimate)

4 Series Cabriolet 430i xDrive Cabriolet $18,081CT5-V V-Series AWD ✓ $17,223Cheaper by CT5-V by $858

Maintenance (estimate)

4 Series Cabriolet 430i xDrive Cabriolet $12,850CT5-V V-Series AWD ✓ $11,309Cheaper by CT5-V by $1,541

Loan rate

4 Series Cabriolet 430i xDrive Cabriolet 6.5%CT5-V V-Series AWD 6.5%Cheaper by —

Loan interest

4 Series Cabriolet 430i xDrive Cabriolet ✓ $17,057CT5-V V-Series AWD $17,187Cheaper by 4 Series Cabriolet by $130

Lost return on your money

4 Series Cabriolet 430i xDrive Cabriolet ✓ $17,347CT5-V V-Series AWD $17,466Cheaper by 4 Series Cabriolet by $119

Resale after 6 yrs

4 Series Cabriolet 430i xDrive Cabriolet ✓ −$35,525CT5-V V-Series AWD −$32,478Cheaper by 4 Series Cabriolet by $3,047

Total

True cost

4 Series Cabriolet 430i xDrive Cabriolet ✓ $133,984CT5-V V-Series AWD $140,693Cheaper by 4 Series Cabriolet by $6,709

True cost a month

4 Series Cabriolet 430i xDrive Cabriolet ✓ $1,861/moCT5-V V-Series AWD $1,954/moCheaper by 4 Series Cabriolet by $93

You pay each month

4 Series Cabriolet 430i xDrive Cabriolet ✓ $2,044/moCT5-V V-Series AWD $2,093/moCheaper by 4 Series Cabriolet by $49

Practical

Fuel type

4 Series Cabriolet 430i xDrive Cabriolet Premium gasCT5-V V-Series AWD Premium gasCheaper by —

Seats

4 Series Cabriolet 430i xDrive Cabriolet 4CT5-V V-Series AWD 5Cheaper by —

Carry-ons, 2 people

4 Series Cabriolet 430i xDrive Cabriolet Not publishedCT5-V V-Series AWD 3Cheaper by —

Cargo behind row 2, litres

4 Series Cabriolet 430i xDrive Cabriolet Not publishedCT5-V V-Series AWD 337Cheaper by —

Length

4 Series Cabriolet 430i xDrive Cabriolet 4.77 mCT5-V V-Series AWD 4.92 mCheaper by —

Resale % after 6 yrs

4 Series Cabriolet 430i xDrive Cabriolet ✓ 49%CT5-V V-Series AWD 44%Cheaper by —

US crash test

4 Series Cabriolet 430i xDrive Cabriolet Not rated yetCT5-V V-Series AWD ✓ 5★Cheaper by —

✓ marks the better figure. Resale for both is typical for their type and brand (unless you lease). Their stickers differ by $499.