Luxury vehicles have a reputation for premium pricing, but owning one doesn’t automatically mean draining your savings account. While the average new luxury car now exceeds $50,000 according to Kelley Blue Book (KBB), there are still several high-quality models available near or even under the $40,000 mark for budget-conscious shoppers.

That said, the sticker price is only part of the equation. Fuel, insurance, depreciation, maintenance, and unexpected repairs all contribute to the true cost of ownership, and those expenses can vary significantly between models. In some cases, a vehicle with a slightly higher MSRP may actually cost less over time when reliability and long-term expenses are factored in.

Understanding the True Cost to Own

When evaluating the entry-level luxury market, which includes stalwarts like the BMW 3-Series, Audi A4, and Lexus IS, it is vital to look beyond the monthly payment. Data from various industry sources suggests that depreciation remains the single largest expense over a five-year period, often followed closely by fuel and insurance.

For example, current luxury entry-level models often have similar MSRPs, but their maintenance, repairs, and fueling needs vary greatly. A vehicle that appears more expensive upfront—like a hybrid or a model with a historically high reliability rating—can actually cost thousands less over five years than a “cheaper” competitor. This framework helps consumers rationalize spending more money at the dealership to achieve a much lower total expense over the life of the vehicle.

One of the best values in the 2026 entry-luxury range is the Lexus IS. While its starting MSRP of $46,795 is higher than some competitors, it consistently ranks as a top value due to its modest repair costs and exceptionally low depreciation rates.

Thinking Beyond the Lot

If you’re considering making the jump to a premium brand, treat it like any other investment. Understand that the initial price is only half the math. Depreciation may not always reflect the quality of a vehicle; sometimes it’s simply a reflection of market supply or consumer perception.

Once you’ve decided that you’re officially in the market for a luxury vehicle that won’t break your bank, check out our updated list below of the best luxury vehicles that remain surprisingly accessible for 2026.

Our 10 Picks for Accessible Luxury Vehicles

• Acura Integra: $33,400
• Acura ADX: $35,000
• Audi A3: $40,100
• BMW X1: $42,800
• Cadillac CT4: $35,690
• Lexus IS 350: $46,795
• Mercedes-Benz CLA (Electric): $47,250
• Volvo EX30: $38,785
• Genesis G70: ~$44,800
• Lexus UX Hybrid: ~$38,500

Endurance Coverage for Your Luxury Vehicle

Don’t let unexpected repair bills turn your luxury dream into a financial headache. While choosing a vehicle with a low total cost of ownership is a smart first step, the most effective way to “bank” those savings is by locking in a fixed monthly rate for your protection.

Whether you’re eyeing a new Lexus or a pre-owned Audi, an Endurance auto protection plan covers the high-tech components and specialized parts that make luxury cars so expensive to fix. Get a FREE email quote or see your price and plan recommendations through our online store. Drive with the peace of mind that your budget is protected for the long haul.