BMW X7 vs Lincoln Navigator: cost to own

Verdict, over 6 years

They cost about the same

Within $2,993: too close to call. Closest matching trims: same fuel and drive where possible.

X7 xDrive40i$2,865/moTrue cost

Navigator Premiere$2,824/moTrue cost

2027 BMW X7

Closest matching trim: X7 xDrive40i

Sticker (MSRP)$119,500

+$24,118→↓Freight, fees, HST

Drive away$143,618

+ running costs→↓− $52,498 resale

True cost$2,865/moA month to own, after resale

2027 Lincoln Navigator

Closest matching trim: Navigator Premiere

Sticker (MSRP)$119,995

+$24,382→↓Freight, fees, HST

Drive away$144,377

+ running costs→↓− $52,716 resale

True cost$2,824/moA month to own, after resale

Line by line


Price
Sticker (MSRP)	✓ $119,500	$119,995	X7 by $495
Freight and fees, before tax	✓ $7,596	$7,772	X7 by $176
Sales tax (HST)	✓ $16,522	$16,610	X7 by $88
Drive-away price	✓ $143,618	$144,377	X7 by $759
Running costs, 6 years
Fuel or charging	✓ $20,779	$22,766	X7 by $1,987
Insurance (estimate)	$22,766	✓ $20,390	Navigator by $2,376
Maintenance (estimate)	$13,961	✓ $10,509	Navigator by $3,452
Loan rate	6.5%	6.5%	—
Loan interest	✓ $29,154	$29,313	X7 by $159
Lost return on your money	✓ $28,444	$28,590	X7 by $146
Resale after 6 yrs	−$52,498	✓ −$52,716	Navigator by $218
Total
True cost	$206,314	✓ $203,321	Navigator by $2,993
True cost a month	$2,865/mo	✓ $2,824/mo	Navigator by $41
You pay each month	$3,130/mo	✓ $3,090/mo	Navigator by $40
Practical
Fuel type	Premium gas	Gas	—
Seats	7	7	—
Carry-ons, 2 people	Not published	Not published	—
Towing, lb	5,950	—	—
Cargo behind row 2, litres	Not published	Not published	—
Length	5.17 m	—	—
Resale % after 6 yrs	44%	44%	—
US crash test	Not rated yet	✓ 5★	—

Price

Sticker (MSRP)

X7 xDrive40i ✓ $119,500Navigator Premiere $119,995Cheaper by X7 by $495

Freight and fees, before tax

X7 xDrive40i ✓ $7,596Navigator Premiere $7,772Cheaper by X7 by $176

Sales tax (HST)

X7 xDrive40i ✓ $16,522Navigator Premiere $16,610Cheaper by X7 by $88

Drive-away price

X7 xDrive40i ✓ $143,618Navigator Premiere $144,377Cheaper by X7 by $759

Running costs, 6 years

Fuel or charging

X7 xDrive40i ✓ $20,779Navigator Premiere $22,766Cheaper by X7 by $1,987

Insurance (estimate)

X7 xDrive40i $22,766Navigator Premiere ✓ $20,390Cheaper by Navigator by $2,376

Maintenance (estimate)

X7 xDrive40i $13,961Navigator Premiere ✓ $10,509Cheaper by Navigator by $3,452

Loan rate

X7 xDrive40i 6.5%Navigator Premiere 6.5%Cheaper by —

Loan interest

X7 xDrive40i ✓ $29,154Navigator Premiere $29,313Cheaper by X7 by $159

Lost return on your money

X7 xDrive40i ✓ $28,444Navigator Premiere $28,590Cheaper by X7 by $146

Resale after 6 yrs

X7 xDrive40i −$52,498Navigator Premiere ✓ −$52,716Cheaper by Navigator by $218

Total

True cost

X7 xDrive40i $206,314Navigator Premiere ✓ $203,321Cheaper by Navigator by $2,993

True cost a month

X7 xDrive40i $2,865/moNavigator Premiere ✓ $2,824/moCheaper by Navigator by $41

You pay each month

X7 xDrive40i $3,130/moNavigator Premiere ✓ $3,090/moCheaper by Navigator by $40

Practical

Fuel type

X7 xDrive40i Premium gasNavigator Premiere GasCheaper by —

Seats

X7 xDrive40i 7Navigator Premiere 7Cheaper by —

Carry-ons, 2 people

X7 xDrive40i Not publishedNavigator Premiere Not publishedCheaper by —

Towing, lb

X7 xDrive40i 5,950Navigator Premiere —Cheaper by —

Cargo behind row 2, litres

X7 xDrive40i Not publishedNavigator Premiere Not publishedCheaper by —

Length

X7 xDrive40i 5.17 mNavigator Premiere —Cheaper by —

Resale % after 6 yrs

X7 xDrive40i 44%Navigator Premiere 44%Cheaper by —

US crash test

X7 xDrive40i Not rated yetNavigator Premiere ✓ 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 $495.