A X1 interior

9 Luxury Cars You Can Afford to Buy in 2020

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Cara Pace
June 11, 2020

The car deals are everywhere right now as automakers are doing anything they can to lure buyers in. When it comes to luxury cars, there’s no shortage of options these days. In fact, what we thought of as a ‘luxury’ car just a few years ago is becoming more the standard today. Temperature-controlled seats, head-up displays, voice assistants, and self-parking systems are typical markings of a luxury car. 

High-tech safety features on luxury cars are to be noted as well. Blind-spot monitoring, adaptive cruise control and surround-view cameras are just some of the features you’ll be graced with in a reliable, luxury car. 

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Top luxury cars under $50,000

We started with Edmunds’ list of top luxury cars, and then narrowed the list to just 2020 models that came in under the $50,000 mark. Our picks are across body styles and we’ve included the manufacturer’s posted highway fuel economy for each car.

Using an auto loan payment calculator, we’ve also included an estimated monthly payment on each vehicle assuming the following terms: good/very good credit, 48-month loan term, 3% auto loan rate, and $5,000 trade-in/down payment.


2020 Lexus ES 300h

Starting at $41,810

Fuel economy: 44 mpg/highway

Estimated monthly payment: $815 

If you’re looking for a fuel-efficient luxury car that doesn’t need to be plugged in, look no further than the Lexus ES 300h. The hybrid was recently redesigned and boasts a roomier interior as well as Lexus-first Hybrid-Acoustics, which act as sound-dampening measures giving drivers the quietest drive possible.

2020 Acura ILX

Starting at $25,900

Fuel economy: 28 mpg/highway

Estimated monthly payment: $463

The Acura ILX sedan is a great first step into the luxury car world. It comes available in four packages, with the highest model still coming in at an affordable $29,750. The standard model comes with safety features like adaptive cruise control, multi-view cameras, a collision mitigation braking system and more. When it comes to interior features, the ILX has suede-trimmed seats with heating capabilities.

Interior of 2020 BMW X1

2020 BMW X1

Starting at $35,200

Fuel economy: 33 mpg/highway

Estimated monthly payment: $668

The BMW X1 gives drivers a safe, comfortable drive thanks to a performance control system, vehicle-speed-sensitive power steering and four-wheel anti-lock disc brakes. Engine start/stop button, 8.8” control screen, and privacy glass rear windows are also nice touches giving the X1 a more luxurious feel. Of course, expect all power everything in the X1 as well - front seats, windows, exterior mirrors and tailgate. 

2020 Mercedes-Benz A-Class

Starting at $32,800

Fuel economy: 35 mpg/highway

Estimated monthly payment: $615

Not only is the A-Class impressive, it’s also one of the most affordable models from Mercedes-Benz making it a great entry-level luxury car. The A-Class comes with a 2.0L 4-turbo engine and has a fuel economy of 24 mpg city and 35 mpg highway. Park-assist, voice controls and remote lock and start add to the luxury feel. As found in most luxury cars, a touchscreen is standard in the A-Class, but comes in a larger 10.25” size. 


2020 Volvo V60

Starting at $39,650

Fuel economy: 34 mpg/highway

Estimated monthly payment: $767

Looking for something bigger than a sedan but smaller than a SUV? The Volvo V60 could be the pick for you. Gone is the boxy Volvo body design most of us are used to seeing. The 2020 model comes with sleek styling on the outside and Scandinavian craftsmanship on the interior. A 60/40 split rear backseat makes for good functionality and cargo space. A top-of-the-line sound system, Apple CarPlay and Android Auto are standard. And voice controls for climate control, navigation, audio and phone add to the list of luxury features. 

2020 Genesis G80

Starting at $42,550

Fuel economy: 26 mpg/highway

Estimated monthly payment: $831

The Genesis G80, formerly known as the Hyundai Genesis, is one of the newer kids on the luxury block. But it definitely belongs here thanks to it’s spacious, quiet carbon fiber-trimmed interior and leather seats that come with heating and cooling capabilities. The sport-design Genesis G80 is available in either a V6 or V8 engine option. 

2020 Lexus UX 200

Starting at $32,300

Fuel economy: 37 mpg/highway

Estimated monthly payment: $604

Like the Acura ILX sedan, the Lexus UX 200 SUV is a great entry into the luxury car market with a nice price point. The UX 200 is available in a few models, including a sport model that comes equipped with paddle shifters and a sport-tuned suspension. Other specs of the UX 200 include a highly responsive steering system making three-point turns a breeze, and sport/normal/eco drive modes to ensure a more efficient or responsive ride. Of course, the interior comes with all the standard comforts Lexus has to offer like heated and ventilated front seats, navigation system and a power rear door with kick sensor.

2020 BMW 430i Coupe

Starting at $44,950

Fuel economy: 34 mpg/highway

Estimated monthly payment: $884

Loaded with 248 horsepower, the BMW 4 Series coupe takes on 0-60mph in 5.5 seconds. As one would expect from BMW, this coupe is performance and luxury. The coupe comes stocked with 18-inch rims, LED headlights and fog lights and heated side mirrors. On the inside, the 40/20/40 split fold-down rear seats give you more cargo room than you might expect from a two-door. Ground-illuminating lights in door handles, courtesy lights that fade in/out, front footwell lighting, and illuminated vanity mirrors are nice luxury touches as well.


2020 Buick Regal TourX

Starting at $29,370

Fuel economy: 29 mpg/highway

Estimated monthly payment: $539

You might not think ‘wagon’ and ‘luxury’ go together, but that’s exactly what Buick did with the Regal TourX. Coming in with a starting price under $30,000, the TourX comes in three trim levels. Standard features include all-wheel drive, keyless start, noise cancellation system and hotspot capabilities. A hands-free power liftgate and accessories like roof rails and cross rails make the TourX ideal for outdoor enthusiasts. 

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