Cadillac Optiq vs Hyundai IONIQ 5: cost to own

Verdict, over 6 years

The Hyundai IONIQ 5 costs about $7,399 less

That's $103 a month. Closest matching trims: same fuel and drive where possible.

Optiq Luxury RWD$1,503/moTrue cost

IONIQ 5 Preferred Long Range✓ $1,400/moTrue cost

2026 Cadillac Optiq

Closest matching trim: Optiq Luxury RWD

Sticker (MSRP)$57,399

+$11,579→↓Freight, fees, HST

Drive away$68,978

+ running costs→↓− $17,386 resale

True cost$1,503/moA month to own, after resale

2026 Hyundai IONIQ 5

Closest matching trim: IONIQ 5 Preferred Long Range

Sticker (MSRP)$55,499

+$10,656→↓Freight, fees, HST

Drive away$66,155

+ running costs→↓− $19,191 resale

True cost$1,400/moA month to own, after resale

Line by line


Price
Sticker (MSRP)	$57,399	✓ $55,499	IONIQ 5 by $1,900
Freight and fees, before tax	$3,644	✓ $3,045	IONIQ 5 by $599
Sales tax (HST)	$7,936	✓ $7,611	IONIQ 5 by $325
Drive-away price	$68,978	✓ $66,155	IONIQ 5 by $2,823
Running costs, 6 years
Fuel or charging	$3,346	✓ $2,842	IONIQ 5 by $504
Insurance (estimate)	✓ $16,629	$19,005	Optiq by $2,376
Maintenance (estimate)	$9,065	✓ $5,562	IONIQ 5 by $3,503
Loan rate	6.5%	6.5%	—
Loan interest	$13,456	✓ $12,862	IONIQ 5 by $594
Lost return on your money	$14,044	✓ $13,499	IONIQ 5 by $545
Resale after 6 yrs	−$17,386	✓ −$19,191	IONIQ 5 by $1,805
Total
True cost	$108,223	✓ $100,824	IONIQ 5 by $7,399
True cost a month	$1,503/mo	✓ $1,400/mo	IONIQ 5 by $103
You pay each month	$1,480/mo	✓ $1,410/mo	IONIQ 5 by $70
Practical
Fuel type	Electric	Electric	—
Seats	5	5	—
Carry-ons, 2 people	6	6	—
Towing, lb	1,500	✓ 2,700	—
Fast charge, minutes	—	18 (10-80%)	—
Cargo behind row 2, litres	736	✓ 745	—
Range, km (winter about 70%)	✓ 510 (357)	504 (353)	—
Length	4.82 m	4.66 m	—
Ground clearance	15 cm	✓ 16 cm	—
Resale % after 6 yrs	30%	✓ 35%	—
US crash test	Not rated yet	Not rated yet	—
European crash test	✓ 5★ (2025)	5★ (2021)	—

Price

Sticker (MSRP)

Optiq Luxury RWD $57,399IONIQ 5 Preferred Long Range ✓ $55,499Cheaper by IONIQ 5 by $1,900

Freight and fees, before tax

Optiq Luxury RWD $3,644IONIQ 5 Preferred Long Range ✓ $3,045Cheaper by IONIQ 5 by $599

Sales tax (HST)

Optiq Luxury RWD $7,936IONIQ 5 Preferred Long Range ✓ $7,611Cheaper by IONIQ 5 by $325

Drive-away price

Optiq Luxury RWD $68,978IONIQ 5 Preferred Long Range ✓ $66,155Cheaper by IONIQ 5 by $2,823

Running costs, 6 years

Fuel or charging

Optiq Luxury RWD $3,346IONIQ 5 Preferred Long Range ✓ $2,842Cheaper by IONIQ 5 by $504

Insurance (estimate)

Optiq Luxury RWD ✓ $16,629IONIQ 5 Preferred Long Range $19,005Cheaper by Optiq by $2,376

Maintenance (estimate)

Optiq Luxury RWD $9,065IONIQ 5 Preferred Long Range ✓ $5,562Cheaper by IONIQ 5 by $3,503

Loan rate

Optiq Luxury RWD 6.5%IONIQ 5 Preferred Long Range 6.5%Cheaper by —

Loan interest

Optiq Luxury RWD $13,456IONIQ 5 Preferred Long Range ✓ $12,862Cheaper by IONIQ 5 by $594

Lost return on your money

Optiq Luxury RWD $14,044IONIQ 5 Preferred Long Range ✓ $13,499Cheaper by IONIQ 5 by $545

Resale after 6 yrs

Optiq Luxury RWD −$17,386IONIQ 5 Preferred Long Range ✓ −$19,191Cheaper by IONIQ 5 by $1,805

Total

True cost

Optiq Luxury RWD $108,223IONIQ 5 Preferred Long Range ✓ $100,824Cheaper by IONIQ 5 by $7,399

True cost a month

Optiq Luxury RWD $1,503/moIONIQ 5 Preferred Long Range ✓ $1,400/moCheaper by IONIQ 5 by $103

You pay each month

Optiq Luxury RWD $1,480/moIONIQ 5 Preferred Long Range ✓ $1,410/moCheaper by IONIQ 5 by $70

Practical

Fuel type

Optiq Luxury RWD ElectricIONIQ 5 Preferred Long Range ElectricCheaper by —

Seats

Optiq Luxury RWD 5IONIQ 5 Preferred Long Range 5Cheaper by —

Carry-ons, 2 people

Optiq Luxury RWD 6IONIQ 5 Preferred Long Range 6Cheaper by —

Towing, lb

Optiq Luxury RWD 1,500IONIQ 5 Preferred Long Range ✓ 2,700Cheaper by —

Fast charge, minutes

Optiq Luxury RWD —IONIQ 5 Preferred Long Range 18 (10-80%)Cheaper by —

Cargo behind row 2, litres

Optiq Luxury RWD 736IONIQ 5 Preferred Long Range ✓ 745Cheaper by —

Range, km (winter about 70%)

Optiq Luxury RWD ✓ 510 (357)IONIQ 5 Preferred Long Range 504 (353)Cheaper by —

Length

Optiq Luxury RWD 4.82 mIONIQ 5 Preferred Long Range 4.66 mCheaper by —

Ground clearance

Optiq Luxury RWD 15 cmIONIQ 5 Preferred Long Range ✓ 16 cmCheaper by —

Resale % after 6 yrs

Optiq Luxury RWD 30%IONIQ 5 Preferred Long Range ✓ 35%Cheaper by —

US crash test

Optiq Luxury RWD Not rated yetIONIQ 5 Preferred Long Range Not rated yetCheaper by —

European crash test

Optiq Luxury RWD ✓ 5★ (2025)IONIQ 5 Preferred Long Range 5★ (2021)Cheaper by —

✓ marks the better figure. Resale for both is typical for their type and brand (unless you lease). Their stickers differ by $1,900.