I’m a Car Expert: Top 5 Luxury Cars Not Worth the Monthly Payment

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• I'm a Car Expert: Top 5 Luxury Cars Not Worth the Monthly Payment</p>

<p>Heather AltamiranoSeptember 14, 2025 at 10:56 PM</p>

<p>4</p>

<p>UWE FISCHER / BMW</p>

<p>When you think of luxury, you typically think of quality. However, that isn't necessarily the case with high-end cars. Just because a premium brand has a hefty price tag, that doesn't always mean you're getting a first-class experience. Top-tier cars promise a dynamic performance, the latest features and prestige, but not all deliver.</p>

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<p>While the name might impress you, the monthly payment can quickly become a big regret when you're stuck with a lackluster power or high maintenance costs. Before you shell out your hard-earned money, take a look at these five luxury cars auto industry experts say fall short.</p>

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<p>Land Rover Range Rover -</p>

<p>Starting price: $112,250</p>

<p>With its sleek design and elite features, the Land Rover Range Rover is an attractive option; however, it can actually end up being a "money pit" due to its steep maintenance costs and below-average reliability, according to Rob Dillan, car expert and founder of EVhype.</p>

<p>"The average annual repair cost, according to RepairPal, is $1,258, and Land Rover is on RepairPal's reliability index of 32 brands — [indicating] more frequent (and more severe) repair problems when vehicles are out of warranty," Dillan explained. "Those realities raise true monthly ownership costs above the payment quoted in ads."</p>

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<p>Land Rover Range Rover Sport -</p>

<p>Starting price: $81,325 (KBB)</p>

<p>The Land Rover Range Rover Sport is a smaller SUV than the Land Rover Range Rover, but it also has reliability issues to be aware of, according to Alan Gelfand, owner of German Car Depot.</p>

<p>"The vehicle's air suspension, electrical systems and drivetrain components frequently require costly repairs," he said. "The combination of high maintenance costs and expensive monthly payments creates a stressful ownership experience that undermines the luxurious feel of the vehicle."</p>

<p>Maserati Ghibli -</p>

<p>Starting price: $110,995</p>

<p>The Maserati Ghibli wows with its stunning exterior design, but maintenance costs and depreciation is concerning, according to Dillan.</p>

<p>"CarEdge projected a $16,544 3-year depreciation cost and tallies the five-year total cost of ownership, insurance, and maintenance, including $178,050," Dillan explained. "For five-year resale values, iSeeCars placed Maserati in the bottom tier with a 60%+ loss."</p>

<p>BMW 7 Series (e.g., 740i/750i) -</p>

<p>Starting price: $98,475</p>

<p>Beloved for its advanced features, a roomy inside and comfortable drive, the BMW 7 Series is a hit with drivers, but Dillan said it might not be the best choice due to costly maintenance repairs and unreliability.</p>

<p>"RepairPal reported average annual repair costs for recent 7-Series models as $847 to $1,061. In addition, the BMW's reliability rating is only 2.5 stars out of 5 on RepairPal, which further widens the gap between the cost of ownership and the actual monthly expenses."</p>

<p>BMW X7 -</p>

<p>Starting price: $85,475</p>

<p>While the BMW X7 (a full-sized SUV) differs from its counterpart BMW 7 Series (a luxury full-sized sedan), it's also one to steer clear of, per Gelfand.</p>

<p>"The X7 from BMW features advanced technology, yet its complex nature results in high maintenance requirements," he said.</p>

<p>According to CarEdge, the maintenance and repairs during its first 10 years of service will run $20,542, which is $8,048 more than the industry average. Additionally, there's a 56.41% chance that a major repair will be required within that timeframe.</p>

<p>"The combination of electronic systems with air suspension and turbocharged engines leads to substantial repair expenses when any component fails," Gelfand explained. "The X7 becomes less appealing for long-term ownership because its monthly payments exceed $1,200, while maintenance expenses and depreciation costs reduce its overall value."</p>

<p>Bottom Line</p>

<p>Before committing to a steep monthly payment, look beyond the sticker price. Research maintenance fees and the true cost of ownership, test drive and read owner reviews. When it comes to luxury, value matters.</p>

<p>Disclaimer: Unless otherwise noted, all starting price data sources from Car and Driver on Sept. 14, 2025 and subject to change.</p>

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<p>This article originally appeared on GOBankingRates.com: I'm a Car Expert: Top 5 Luxury Cars Not Worth the Monthly Payment</p>

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