6 of the Most Affordable Luxury Cars for Women Under $40,000

Affordable Luxury Under $40,000
Infiniti makes our list of affordable luxury cars under $40,000. Photo: Scotty Reiss

Should the words ‘affordable luxury cars’ even be used in the same sentence? 

Now that I’m older, what I used to consider a luxury car isn’t quite what I consider luxury now.  Back in the day, luxury meant automatic windows, a nice CD player with AM/FM stereo, and let’s not forget cruise control!  And quite honestly, are true luxury vehicles even affordable?

Fast forward to now and I am all about heated and cooled leather seats, navigation, a panoramic roof, a premium stereo, safety systems and great design.

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Can I Really Find a Luxury Car For Under $40,000? 

Normally when we all think of a “luxury” car, we think of vehicles whose price points start at $60,000. That theory had me wondering if you could really find a luxury vehicle that started under $40,000. To find out if you could really buy a luxury car for under $40,000, I started looking at all the auto manufacturers who produce cars that I consider luxury.

What Car Brands Are Considered Luxury?

When you think of a luxury vehicle, what names come to mind?

  • BMW
  • Mercedes-Benz
  • Lexus
  • Infiniti
  • Cadillac
  • Range Rover
  • Lincoln
  • Audi
  • Maserati
  • Porsche
  • Jaguar
  • Alfa Romeo
  • Maserati
  • Volvo

What Features Do You Consider Luxury In A Car? 

I asked several of my readers and friends what they felt were luxury items in a car. Many felt as I do that leather seats, heated seats, navigation, and integrated technology (such as Alexa or Apple Car Play) were on the top of their list. Some, though, mentioned a few additional items like keyless entry, safety sensors, a surround view camera, and upgraded interior details.

With a list of luxury features, as well as the list of vehicles, that are considered luxury, I started to do some online research to see if luxury cars under $40,000 really exist?

After I wrote down all vehicles that I considered luxurious cars, I went to their website sites and started looking around. Unfortunately, many on my list above do not make the under $40,000 price point. However, I was pleasantly surprised at the number of automobile manufacturers that actually DO produce luxury vehicles that DO have a price point starting under $40,000!

Here is my list of 6 of the Most Affordable Luxury Cars Under $40,000!

1. Audi A4 – starts at $36,000.
2. Lexus ES – starts at $38,900
3. Lincoln MKZ – starts at $35,170
4. BMW 3 Series – starts at $34,400
5. Volvo S60 – starts at $33,950
6. Infiniti Q50 – starts at $34,200
Now, let’s talk about these gorgeous affordable luxury cars, shall we?

Affordable Luxury Cars
Photo courtesy of Pixabay

Most Affordable Luxury Car #1: Audi A4

This beautiful car is a top safety pick and received a 5 Star overall safety rating! Some of the features are:
Customizable Information Center

  • Heated leather seats
  • Peppy 4 cylinder turbo engine
  • 31 mpg
  • Rear Cross Traffic Assist

Further Reading: The Redesigned Lexus ES and F Sport Luxury sedan– where the focus is on the driver’s experience Affordable Luxury Cars For Her

The Lexus ES delivers quality and luxury with a price tag under $40,000. Photo: Becky Fixel

Most Affordable Luxury Car #2: Lexus ES

Is it a bad thing that I need I need to upgrade to a Lexus? This car is gorgeous! Let’s talk all the fun options, shall we?

  • 30 mpg
  • 268 horsepower
  • Mark Levinson Audio System
  • Adaptive cruise control
  • Lots of Rear Leg Room
  • Affordable Luxury Cars
    Photo courtesy of Lincoln

Most Affordable Luxury Car #3: Lincoln MKZ

Lincoln is not going to be outdone with the MKZ. This car is not only filled with luxury, with a price point starting at $35,170, you could definitely add a few options and still have it under $40,000!

Here are a few of the options that are available in a Lincoln:

  • 4 cylinder turbo charged engine
  • 31 mpg
  • Seating for 5
  • Panoramic Sunroof
  • Pickup and Delivery of your vehicle for service
  • A loaner vehicle while your vehicle is being worked on
  • Illuminated scuff plates
  • Sync 3 infotainment system

Further reading: Not sure wheat Alcantara accents are? Say Ciao to Alcantara, the new Italian word for sustainable luxury. 

Affordable Luxury Cars
Photo courtesy of BMW

Most Affordable Luxury Car #4: BMW 3 Series

This model of BMW starts at $34,900 but it’s not a starter car. This luxury car with a great base price also adds a great drive experience and room for your besties in the back seat. Add a few extra options and you can still be under $40,000!

Some of the options available in the 3 Series (and still keeping the price under $40K) are:

  • 4 cylinder twin turbo engine
  • Heated seats and steering wheel
  • Apple Car Play
  • Wireless Charging and WiFi
  • Ambient lighting front/rear

Further Reading: How to buy a car with your spouse – without ending in divorceAffordable Luxury Cars

Photo courtesy of Volvo

Most Affordable Luxury Car #5: Volvo S60

This model happens to have one of the lower price points at $33,950. You could really add on a few extras to keep this under $40,000 very easily.

One of the features that caught my eye first about the Volvo was the fact that the rear passengers, on the outside, can have heated seats!

  • 249 horsepower engine
  • Bowers & Wilkins Premium Sound
  • Headlight washers
  • Power moon roof
  • Steering wheel controls
  • Puddle lights to illuminate your path
Affordable Luxury Cars Under 40,000
Infiniti comes through to meet our under $40k requirement with the Q50. Photo: Scotty Reiss

Most Affordable Luxury Car #6: Infiniti Q50

This is another auto that is at the lower end of the under $40,000 for a luxury car. This particular model starts at $34,200. That will give you a lot of room for a few fun options!

Some of the lovely options are:

  • Maple wood trim
  • Intelligent key and push button start
  • Touch screen infotainment system
  • Leatherette seating
  • Top active safety features

Now, doesn’t owning a luxury car seem a little more affordable? And, are you ready to go car shopping with your significant other and convince him that he just might like being a little spoiled?

Rhonda Brown
Rhonda Brown

Rhonda is an Ohio native who now calls Indiana home, hence the name Transplanted Buckeye Media. As a mom to two girls and a husband who prefers home cooked meals she loves creating unique lunch ideas, baking simple treats, creating new recipes and recreating fond childhood memories of home cooked meals that she would have had at her Grandma’s house. Her other hobbies include writing, genealogy, traveling, finding creative solutions to make life easier, and of course, shopping. You can also find her over at her blog, MomSkoop.

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