BMW X1 vs Cadillac XT5: cost to own

Verdict, over 6 years

The BMW X1 costs about $2,439 less

That's $34 a month. Closest matching trims: same fuel and drive where possible.

X1 xDrive28i✓ $1,485/moTrue cost

XT5 Luxury AWD$1,519/moTrue cost

2027 BMW X1

Closest matching trim: X1 xDrive28i

Sticker (MSRP)$51,500

+$10,871→↓Freight, fees, HST

Drive away$62,371

+ running costs→↓− $25,235 resale

True cost$1,485/moA month to own, after resale

2026 Cadillac XT5

Closest matching trim: XT5 Luxury AWD

Sticker (MSRP)$53,699

+$11,211→↓Freight, fees, HST

Drive away$64,910

+ running costs→↓− $23,891 resale

True cost$1,519/moA month to own, after resale

Line by line


Price
Sticker (MSRP)	✓ $51,500	$53,699	X1 by $2,199
Freight and fees, before tax	✓ $3,696	$3,744	X1 by $48
Sales tax (HST)	✓ $7,175	$7,468	X1 by $293
Drive-away price	✓ $62,371	$64,910	X1 by $2,539
Running costs, 6 years
Fuel or charging	✓ $16,583	$16,907	X1 by $324
Insurance (estimate)	$14,319	✓ $14,253	XT5 by $66
Maintenance (estimate)	$13,961	✓ $11,236	XT5 by $2,725
Loan rate	6.5%	6.5%	—
Loan interest	✓ $12,066	$12,600	X1 by $534
Lost return on your money	✓ $12,769	$13,259	X1 by $490
Resale after 6 yrs	✓ −$25,235	−$23,891	X1 by $1,344
Total
True cost	✓ $106,926	$109,365	X1 by $2,439
True cost a month	✓ $1,485/mo	$1,519/mo	X1 by $34
You pay each month	✓ $1,589/mo	$1,597/mo	X1 by $8
Practical
Fuel type	Premium gas	Gas	—
Seats	5	5	—
Carry-ons, 2 people	Not published	7	—
Towing, lb	✓ 3,500	1,000	—
Cargo behind row 2, litres	Not published	850	—
Length	4.50 m	4.82 m	—
Resale % after 6 yrs	✓ 49%	44%	—
US crash test	4★	✓ 5★	—

Price

Sticker (MSRP)

X1 xDrive28i ✓ $51,500XT5 Luxury AWD $53,699Cheaper by X1 by $2,199

Freight and fees, before tax

X1 xDrive28i ✓ $3,696XT5 Luxury AWD $3,744Cheaper by X1 by $48

Sales tax (HST)

X1 xDrive28i ✓ $7,175XT5 Luxury AWD $7,468Cheaper by X1 by $293

Drive-away price

X1 xDrive28i ✓ $62,371XT5 Luxury AWD $64,910Cheaper by X1 by $2,539

Running costs, 6 years

Fuel or charging

X1 xDrive28i ✓ $16,583XT5 Luxury AWD $16,907Cheaper by X1 by $324

Insurance (estimate)

X1 xDrive28i $14,319XT5 Luxury AWD ✓ $14,253Cheaper by XT5 by $66

Maintenance (estimate)

X1 xDrive28i $13,961XT5 Luxury AWD ✓ $11,236Cheaper by XT5 by $2,725

Loan rate

X1 xDrive28i 6.5%XT5 Luxury AWD 6.5%Cheaper by —

Loan interest

X1 xDrive28i ✓ $12,066XT5 Luxury AWD $12,600Cheaper by X1 by $534

Lost return on your money

X1 xDrive28i ✓ $12,769XT5 Luxury AWD $13,259Cheaper by X1 by $490

Resale after 6 yrs

X1 xDrive28i ✓ −$25,235XT5 Luxury AWD −$23,891Cheaper by X1 by $1,344

Total

True cost

X1 xDrive28i ✓ $106,926XT5 Luxury AWD $109,365Cheaper by X1 by $2,439

True cost a month

X1 xDrive28i ✓ $1,485/moXT5 Luxury AWD $1,519/moCheaper by X1 by $34

You pay each month

X1 xDrive28i ✓ $1,589/moXT5 Luxury AWD $1,597/moCheaper by X1 by $8

Practical

Fuel type

X1 xDrive28i Premium gasXT5 Luxury AWD GasCheaper by —

Seats

X1 xDrive28i 5XT5 Luxury AWD 5Cheaper by —

Carry-ons, 2 people

X1 xDrive28i Not publishedXT5 Luxury AWD 7Cheaper by —

Towing, lb

X1 xDrive28i ✓ 3,500XT5 Luxury AWD 1,000Cheaper by —

Cargo behind row 2, litres

X1 xDrive28i Not publishedXT5 Luxury AWD 850Cheaper by —

Length

X1 xDrive28i 4.50 mXT5 Luxury AWD 4.82 mCheaper by —

Resale % after 6 yrs

X1 xDrive28i ✓ 49%XT5 Luxury AWD 44%Cheaper by —

US crash test

X1 xDrive28i 4★XT5 Luxury AWD ✓ 5★Cheaper by —

✓ marks the better figure. Resale for both is typical for their type and brand (unless you lease). These trims differ in fuel (premium gas vs gas), which drives part of the gap. Their stickers differ by $2,199.