2027 BMW 4 Series Convertible: real cost in California
See the 4 Series Convertible on BMW's US site ↗US prices read 2026-11-09
Cheapest trim, 430i Convertible · California · age 35–59 · 6 years · 13,500 mi a yearChange
Sticker$61,300the advertised price
Drive away$68,375with fees and tax
Loan payment$1,080/mo72-month loan at 7%, $5,000 down
True cost$1,635/moeverything, after resale
$68,375 to drive away + $77,342 to run it for 6 years − $28,022 back at resale = $117,694, or $1,635 a month.
Where the money goes
Drive away$68,375
Running it, 6 yrs+$77,342
Back at resale−$28,022
Sticker pricethe advertised MSRP
+$61,300Feesfreight $1,350 · doc fee $85 (typical)
+$1,435Sales and use tax, 8.99%California
+$5,640Insuranceestimate, age 35–59, California
+$23,226Fuel13,500 mi a year at 35 MPG
+$15,264Loan interest7% over 72 months
+$14,420Lost return on your money5% a year on the down payment and each payment
+$14,101Maintenanceestimate
+$6,678Title, registration and plates6 years in California, incl. 0.65% value tax a year
+$3,653Resale after 6 years46% of MSRP, you get this back
−$28,022True cost $117,694 ÷ 72 months$1,635 a month
The car
Size and space
BodyConvertible
Seats4
CargoNot published
Engine and fuel
Engine255–523 hp premium gas, RWD, AWD
0–60 mph3.2–6.0 sBMW's figures; others our estimate
Fuel economy22–35 MPGEPA combined
TowingNot published
Safety and cover
Crash testNot rated yet
Resale at 6 years46% of MSRPaverage for its type
Every trim
All trims: 4 seats.| 430i Convertible | $61,300 | $68,375 | $117,694 | ✓ $1,635/mo | 35 MPG | — No |
| 430i xDrive Convertible | $63,300 | $70,555 | $121,237 | $1,684/mo | 33 MPG | ✓ Yes |
| M440i Convertible | $75,200 | $83,524 | $137,086 | $1,904/mo | 33 MPG | — No |
| M440i xDrive Convertible | $77,200 | $85,704 | $140,270 | $1,948/mo | 32 MPG | ✓ Yes |
| M4 Competition xDrive Convertible | $98,600 | $109,028 | $176,274 | $2,448/mo | 22 MPG | ✓ Yes |
430i Convertible
✓ $1,635/mo
True cost
430i xDrive Convertible
$1,684/mo
True cost
M440i Convertible
$1,904/mo
True cost
M440i xDrive Convertible
$1,948/mo
True cost
M4 Competition xDrive Convertible
$2,448/mo
True cost
Features, trim by trim
Cheapest on the left. Each bar starts at the trim that adds it. + $ is the cheapest factory option or package that adds it (hover for its name).Feature
430i Convertible$61,300
430i xDrive Convertible$63,300
M440i Convertible$75,200
M440i xDrive Convertible$77,200
M4 Competition xDrive Convertible$98,600
Safety and driver assist
Automatic braking
✓ Every trim
Blind-spot monitor
✓ Every trim
Adaptive cruise
✓ Every trim
360° camera
+ $800 on every trim
Parking sensors
✓ Every trim
Comfort
Cooled seats
+ $500 on every trim
Heated steering wheel
+ $400
✓ from M440i Convertible
Dual-zone climate
✓ Every trim
Convenience
Push-button start
✓ Every trim
Remote start
+ $400
✓ from M440i Convertible
Wireless phone charging
✓ Every trim
Power driver's seat
✓ Every trim
Tech and audio
Apple CarPlay and Android Auto
✓ Every trim
Built-in navigation
✓ Every trim
Premium sound system
+ $875
✓ from M4 Competition xDrive Convertible
Head-up display
+ $1,900
+ $1,500
+ $900
Capability and looks
AWD or 4WD
✓
✓ from M440i xDrive Convertible
Sunroof
✓ Every trim
LED headlights
✓ Every trim
Not listed on any trimRear cross-traffic alertLane centeringHands-free drivingHeated seatsHeated rear seatsMassaging seatsPower liftgateMemory seatWireless CarPlayLarge touchscreen (12 in+)Tow hitch includedPanoramic roof
Full standard equipment on the 430i Convertible (61 items)
- 18" V-Spoke Bicolor 780 Wheels with All Season Runflat Tires
- Power-folding, heated side mirrors
- Non-metallic paint
- Satin Aluminum exterior trim
- Black soft top
- SensaTec Upholstery
- Anthracite headliner
- Floormats
- Fineline light open-pore fine wood trim
- Enhanced Roadside Assistance including BMW TeleServices
- Enhanced USB and Bluetooth wireless technology plus Smartphone Integration
- Remote Software Upgrade Capable
- Apple CarPlay and Android Auto Compatibility
- BMW Remote Services including My BMW App, Remote Door Unlock, MyInfo, Stolen Vehicle Recovery, Remote Lights Flash / Horn Blow, and Remote C
- Wireless Device Charging
- Connected Package Professional features Real-Time Traffic Information and On-Street Parking Information (select cities), BMW Connected Music
- Personal eSim preparation
- HiFi Sound System
- SiriusXM 1 Year Trial Subscription, Car + App
- USB audio connection and hands-free Bluetooth wireless technology including Audio Streaming
- Dynamic Cruise Control
- Tire Pressure Monitor
- BMW Curved Display with configurable 12.3" instrument cluster and 14.9" central information display
- BMW Operating System 8.5 operated by voice, touchscreen or iDrive touchpad controller
- Cloud-based navigation system and multiple Over-the-Air (OTA) updates for map data
- Engine Start/Stop button
- Advanced Vehicle & Key Memory includes most recently used climate-control temperature and air-distribution settings; exterior mirror and pow
- Comfort Access keyless entry
- Dual Zone Auto Climate Control
- Power front sport seats including 2-way power side bolsters, 1-way manual headrests and thigh support, includes 4-way power front seat lumba
- Front-seat center armrest
- Multi-color, adjustable ambient lighting
- Through-loading system
- Tilt/telescopic steering wheel column
- Automatic-dimming interior rear-view mirror and driver's-side exterior mirror
- Wind deflector
- Power front and rear windows with "one-touch" up/down operation
- Locking glovebox
- Electric interior trunk release
- Rain-sensing windshield wipers with automatic headlight control
- Universal garage-door opener
- Storage compartment package
- 40/20/40 split fold-down through-load rear seats
- Adaptive Brakelights
- Rollover Protection System
- Front and rear Head Protection System (HPS)
- Driver's and passenger's front airbag supplemental restraint system (SRS) with advanced technology: dual-threshold, dual-stage deployment; a
- Seat-mounted front side-impact airbags
- Knee airbags for driver and front passenger
- Front safety belts with automatic pretensioners
- Front-passenger-seat-occupation recognition with Passenger's Airbag Off indicator
- Impact sensor that activates Battery Safety Terminal disconnect of alternator, fuel pump and starter from battery; automatically unlocks doo
- LED Daytime Running Lights
- Active Protection System detects imminent accidents, then prepares by automatically pretensioning safety belts, closing windows and moonroof
- Automatic high beams
- BMW Assist eCall includes Emergency Request (SOS button) and Enhanced Automatic Collision Notification
- Park Distance Control, front and rear
- Rear View Camera
- Acoustic safety-belt warning
- LED Headlights
- Driving Assistant includes Frontal Collision Mitigation, Active Blind Spot Detection, Lane Keeping Assistant, and Speed Limit Assistant
Recalls
2 NHTSA recalls for 2025 to 2027 4 Series Convertible models. Dealers fix them free; a new car should have them done before delivery. Ask the dealer to check the VIN.
Electrical system2026 · 4 vehicles
The positive battery cables may not be properly connected to the power distribution box, resulting in an engine stall and a fire.Recall 25V643000 at NHTSA ↗Electrical system2025 · 4,557 vehicles
The electrical connection between the starter-generator and battery may come loose.Recall 25V202000 at NHTSA ↗Quick answers
- How much is a 2027 4 Series Convertible in California?
- $68,375 to drive away for the 430i Convertible, from a $61,300 sticker.
- What does it cost a month?
- A $1,080 loan payment, about $1,759 a month with insurance, fuel and upkeep ($5,000 down); about $1,635 a month all in, after resale.
- How much can it tow?
- The brand doesn't publish a towing capacity.
Similar cars
US prices in US dollars from BMW's US website, read 2026-11-09; destination as the brand lists it. Taxes, registration and the dealer doc fee follow your state. Insurance and maintenance are estimates. How we count.