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Whoever coined the phrase “you get what you pay for” never drove one of these luxury cars. When you pay more to enjoy the benefits of a luxury marquee, some expectations come along with the name. These expectations could be fewer problems, higher quality features, better build quality, and higher reliability. Unfortunately, these six cars are among the lowest-rated luxury cars.

How are the lowest-rated luxury cars determined?

Different organizations rate vehicles using various means. For this rating, we’re offering the CarEdge value rating system, which includes:

  • Depreciation
  • Insurance Premiums
  • Maintenance and Repairs
  • Loan Interest
  • Fuel Costs

These five factors go into the total cost of ownership after five years. Which cars hit the bottom of the barrel?

The 2024 Jaguar XF is one of the worst-rated luxury cars based on its five-year cost of ownership.
Jaguar XF | Jaguar

Jaguar XF

The Jaguar XF is the only remaining Jaguar sedan, but it might spend more time on dealership lots than most other luxury cars. The five-year cost of ownership for the Jaguar XF is $63,154. This takes all five items and adds them together. This figure is more than the average price of a new Jaguar XF, which is $59,086.

Black Mercedes-Benz GLA-Class parked near a building. This is one of the luxury cars to avoid.
Mercedes-Benz GLA-Class | Mercedes-Benz

Mercedes-Benz GLA-Class

The GLA-Class is the entry-level luxury SUV offered by Mercedes-Benz. This tiny vehicle is barely large enough to carry five people and could be better ignored than driven. The five-year cost of ownership is $47,622, while the average new model costs $46,673. While not the lowest-rated luxury car, the GLA-Class is only slightly higher on the ladder.

Red Land Rover Discovery Sport driving on a road. This might be a good off-road SUV, but not great as a luxury vehicle in terms of cost of ownership.
Land Rover Discovery Sport | Land Rover

Land Rover Discovery Sport

The Land Rover Discovery Sport is an impressive luxury SUV with the chops to handle some fun and adventures in the wilderness. If chosen, this SUV is better kept than resold. The five-year cost of ownership is $54,797, which keeps things consistent by adding up to more than the average price of this Land Rover SUV, which is $52,329.

Gray Land Rover Range Rover Velar driving near water.
Land Rover Range Rover Velar | Land Rover

Land Rover Range Rover Velar

The Velar hasn’t caught on as a popular choice in the pre-owned market, so its depreciation cost is $31,578. The Velar is one of those luxury cars that many owners either love or hate, but if you start out loving it and end up hating it, you’ll have a difficult time getting your money back. This Land Rover SUV has a five-year cost of ownership of $66,601, which is only slightly less than the average cost of $67,301.

Blue BMW 5 Series driving on a road. This popular luxury car is one of the lowest-rated in terms of five-year cost of ownership.
BMW 5 Series | BMW

BMW 5 Series

Although the BMW 5 Series is one of the most popular midsize luxury cars, it’s one of the lowest-rated models in terms of costs to own. After five years, this car costs owners $62,599 when combing all factors. The average cost of a new BMW 5 Series is $64,289, which makes this one of those cars owners lease rather than buy to avoid this high cost.

Mercedes-Benz GLC-Class posed on a beach at sunset.
Mercedes-Benz GLC-Class | Mercedes-Benz

Mercedes-Benz GLC-Class

The Mercedes-Benz GLC-Class brings drives one step up from the GLA-Class in the luxury SUV lineup. Too bad it doesn’t present a significant difference in the cost of ownership. The GLC-Class is more spacious than the GLA but still earns an “F” grade from CarEdge. This luxury SUV’s five-year cost of ownership is $49,698, and its average new vehicle price is $52,246, making it one of the luxury cars to avoid.