BMW XM vs Land Rover Defender OCTA: cost to own

Verdict, over 6 years

The Land Rover Defender OCTA costs about $48,846 less

That's $678 a month. Closest matching trims: same fuel and drive where possible.

XM Label$4,876/moTrue cost

Defender OCTA✓ $4,197/moTrue cost

2027 BMW XM

Closest matching trim: XM Label

Sticker (MSRP)$220,000

+$57,636→↓Freight, fees, HST

Drive away$277,636

+ running costs→↓− $99,113 resale

True cost$4,876/moA month to own, after resale

2027 Land Rover Defender OCTA

Closest matching trim: Defender OCTA

Sticker (MSRP)$179,400

+$48,941→↓Freight, fees, HST

Drive away$228,341

+ running costs→↓− $87,906 resale

True cost$4,197/moA month to own, after resale

Line by line


Price
Sticker (MSRP)	$220,000	✓ $179,400	Defender OCTA by $40,600
Freight and fees, before tax	$25,696	✓ $22,672	Defender OCTA by $3,024
Sales tax (HST)	$31,940	✓ $26,269	Defender OCTA by $5,671
Drive-away price	$277,636	✓ $228,341	Defender OCTA by $49,295
Running costs, 6 years
Fuel or charging	✓ $12,125	$28,372	XM by $16,247
Insurance (estimate)	$34,710	✓ $27,583	Defender OCTA by $7,127
Maintenance (estimate)	$13,961	$13,961	—
Loan rate	6.5%	6.5%	—
Loan interest	$57,340	✓ $46,972	Defender OCTA by $10,368
Lost return on your money	$54,300	✓ $44,789	Defender OCTA by $9,511
Resale after 6 yrs	✓ −$99,113	−$87,906	XM by $11,207
Total
True cost	$351,049	✓ $302,203	Defender OCTA by $48,846
True cost a month	$4,876/mo	✓ $4,197/mo	Defender OCTA by $679
You pay each month	$5,429/mo	✓ $4,727/mo	Defender OCTA by $702
Practical
Fuel type	Plug-in hybrid	Premium gas	—
Seats	5	5	—
Carry-ons, 2 people	Not published	Not published	—
Towing, lb	5,950	—	—
Cargo behind row 2, litres	Not published	Not published	—
Length	5.11 m	—	—
Resale % after 6 yrs	45%	✓ 49%	—
US crash test	Not rated yet	Not rated yet	—

Price

Sticker (MSRP)

XM Label $220,000Defender OCTA ✓ $179,400Cheaper by Defender OCTA by $40,600

Freight and fees, before tax

XM Label $25,696Defender OCTA ✓ $22,672Cheaper by Defender OCTA by $3,024

Sales tax (HST)

XM Label $31,940Defender OCTA ✓ $26,269Cheaper by Defender OCTA by $5,671

Drive-away price

XM Label $277,636Defender OCTA ✓ $228,341Cheaper by Defender OCTA by $49,295

Running costs, 6 years

Fuel or charging

XM Label ✓ $12,125Defender OCTA $28,372Cheaper by XM by $16,247

Insurance (estimate)

XM Label $34,710Defender OCTA ✓ $27,583Cheaper by Defender OCTA by $7,127

Maintenance (estimate)

XM Label $13,961Defender OCTA $13,961Cheaper by —

Loan rate

XM Label 6.5%Defender OCTA 6.5%Cheaper by —

Loan interest

XM Label $57,340Defender OCTA ✓ $46,972Cheaper by Defender OCTA by $10,368

Lost return on your money

XM Label $54,300Defender OCTA ✓ $44,789Cheaper by Defender OCTA by $9,511

Resale after 6 yrs

XM Label ✓ −$99,113Defender OCTA −$87,906Cheaper by XM by $11,207

Total

True cost

XM Label $351,049Defender OCTA ✓ $302,203Cheaper by Defender OCTA by $48,846

True cost a month

XM Label $4,876/moDefender OCTA ✓ $4,197/moCheaper by Defender OCTA by $679

You pay each month

XM Label $5,429/moDefender OCTA ✓ $4,727/moCheaper by Defender OCTA by $702

Practical

Fuel type

XM Label Plug-in hybridDefender OCTA Premium gasCheaper by —

Seats

XM Label 5Defender OCTA 5Cheaper by —

Carry-ons, 2 people

XM Label Not publishedDefender OCTA Not publishedCheaper by —

Towing, lb

XM Label 5,950Defender OCTA —Cheaper by —

Cargo behind row 2, litres

XM Label Not publishedDefender OCTA Not publishedCheaper by —

Length

XM Label 5.11 mDefender OCTA —Cheaper by —

Resale % after 6 yrs

XM Label 45%Defender OCTA ✓ 49%Cheaper by —

US crash test

XM Label Not rated yetDefender OCTA Not rated yetCheaper by —

✓ marks the better figure. Resale for both is typical for their type and brand (unless you lease). These trims differ in fuel (plug-in hybrid vs premium gas), which drives part of the gap. Their stickers differ by $40,600.