2027 BMW 4 Series Coupe: real cost in California
See the 4 Series Coupe on BMW's US site ↗US prices read 2026-11-09
Cheapest trim, 430i Coupe · California · age 35–59 · 6 years · 13,500 mi a yearChange
Sticker$53,300the advertised price
Drive away$59,656with fees and tax
Loan payment$932/mo72-month loan at 7%, $5,000 down
True cost$1,496/moeverything, after resale
$59,656 to drive away + $72,414 to run it for 6 years − $24,365 back at resale = $107,704, or $1,496 a month.
Where the money goes
Drive away$59,656
Running it, 6 yrs+$72,414
Back at resale−$24,365
Sticker pricethe advertised MSRP
+$53,300Feesfreight $1,350 · doc fee $85 (typical)
+$1,435Sales and use tax, 8.99%California
+$4,921Insuranceestimate, age 35–59, California
+$18,081Fuel13,500 mi a year at 36 MPG
+$14,833Loan interest7% over 72 months
+$12,436Lost return on your money5% a year on the down payment and each payment
+$12,395Maintenanceestimate
+$11,239Title, registration and plates6 years in California, incl. 0.65% value tax a year
+$3,431Resale after 6 years46% of MSRP, you get this back
−$24,365True cost $107,704 ÷ 72 months$1,496 a month
The car
Size and space
BodyCoupe187.9–188.0 in long
Seats4
CargoNot published
Engine and fuel
Engine255–523 hp premium gas, RWD, AWD
0–60 mph3.6–5.6 sBMW's figures; others our estimate
Fuel economy23–36 MPGEPA combined
TowingNot published
Tires18"235/40R18
Safety and cover
Crash testNot rated yet
Resale at 6 years46% of MSRPaverage for its type
Every trim
All trims: 4 seats.| 430i Coupe | $53,300 | $59,656 | $107,704 | ✓ $1,496/mo | 36 MPG | ✓ Yes | — No |
| 430i xDrive Coupe | $55,300 | $61,835 | $110,834 | $1,539/mo | 34 MPG | ✓ Yes | ✓ Yes |
| M440i Coupe | $67,100 | $74,696 | $124,733 | $1,732/mo | 34 MPG | ✓ Yes | — No |
| M440i xDrive Coupe | $69,100 | $76,876 | $127,453 | $1,770/mo | 33 MPG | ✓ Yes | ✓ Yes |
| M4 Coupe | $82,200 | $91,154 | $149,191 | $2,072/mo | 23 MPG | — No | — No |
| M4 Competition Coupe | $86,600 | $95,949 | $154,127 | $2,141/mo | 23 MPG | ✓ Yes | — No |
| M4 Competition xDrive Coupe | $91,700 | $101,508 | $159,848 | $2,220/mo | 23 MPG | ✓ Yes | ✓ Yes |
430i Coupe
✓ $1,496/mo
True cost
430i xDrive Coupe
$1,539/mo
True cost
M440i Coupe
$1,732/mo
True cost
M440i xDrive Coupe
$1,770/mo
True cost
M4 Coupe
$2,072/mo
True cost
M4 Competition Coupe
$2,141/mo
True cost
M4 Competition xDrive Coupe
$2,220/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 Coupe$53,300
430i xDrive Coupe$55,300
M440i Coupe$67,100
M440i xDrive Coupe$69,100
M4 Coupe$82,200
M4 Competition Coupe$86,600
M4 Competition xDrive Coupe$91,700
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
+ $600
✓ from M440i Coupe
Dual-zone climate
✓ Every trim
Convenience
Push-button start
✓ Every trim
Remote start
+ $600
✓ M440i Coupe to M440i xDrive Coupe
✓ from M4 Competition Coupe
Power liftgate
+ $600
✓ from M440i Coupe
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 Coupe
Head-up display
+ $2,100
+ $1,500
+ $900
Capability and looks
AWD or 4WD
✓
✓
✓ from M4 Competition xDrive Coupe
Sunroof
✓ Every trim
LED headlights
✓ Every trim
Not listed on any trimRear cross-traffic alertLane centeringHands-free drivingHeated seatsHeated rear seatsMassaging seatsMemory seatWireless CarPlayLarge touchscreen (12 in+)Tow hitch includedPanoramic roof
Full standard equipment on the 430i Coupe (59 items)
- 18" V-Spoke Bicolor 780 Wheels with All Season Runflat Tires
- Power-folding, heated side mirrors
- Non-metallic paint
- Satin Aluminum exterior trim
- SensaTec Upholstery
- Anthracite Headliner
- Floormats
- Fineline Light Open-pore Fine Wood Trim
- Enhanced Roadside Assistance including BMW TeleServices
- Remote Software Upgrade Capable
- Apple CarPlay and Android Auto Compatibility
- Wireless Device Charging
- Enhanced USB and Bluetooth wireless technology plus Smartphone Integration
- BMW Remote Services including My BMW App, Remote Door Unlock, MyInfo, Stolen Vehicle Recovery, Remote Lights Flash / Horn Blow, and Remote C
- 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
- BMW Curved Display with configurable 12.3" instrument cluster and 14.9" central information display
- BMW Operating System 8.5 operated by voice, touchscreen and iDrive touchpad controller
- Cloud-based navigation system and multiple Over-the-Air (OTA) updates for map data
- Dynamic Cruise Control
- Tire Pressure Monitor
- Rear-window defroster
- 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
- Front-seat center armrest
- Multi-color, adjustable ambient lighting
- Power front sport seats including 2-way power side bolsters, 2-way manual headrests and thigh support, includes 4-way power front seat lumba
- Tilt/telescopic steering wheel column
- Automatic-dimming interior rear-view mirror and driver's-side exterior mirror
- 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
- Automatic high beams
- Adaptive Brakelights
- Front and rear Head Protection System (HPS)
- Park Distance Control, front and rear
- 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
- LED Headlights
- Anti-theft alarm system
- Active Protection System detects imminent accidents, then prepares by automatically pretensioning safety belts, closing windows and moonroof
- Acoustic safety-belt warning
- BMW Assist eCall includes Emergency Request (SOS button) and Enhanced Automatic Collision Notification
- Rear View Camera
- Drive Recorder
- 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 Coupe 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 Coupe in California?
- $59,656 to drive away for the 430i Coupe, from a $53,300 sticker.
- What does it cost a month?
- A $932 loan payment, about $1,593 a month with insurance, fuel and upkeep ($5,000 down); about $1,496 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.