728iL (1995-2001)

Can you afford a 1995-2001 BMW 7 Series 728iL in 2025?

# 1995-2001 BMW 728iL The BMW 728iL represents the long-wheelbase variant of the E38-generation 7 Series, BMW's flagship sedan from the mid-1990s. Powered by a 2.8-liter inline-six producing around 193 horsepower, it offered a smoother ride than sportier variants while maintaining BMW's driver-focused character. Reviewers praise the E38's timeless styling, solid build quality, and advanced technology for its era, though the 728i is considered underpowered for such a large luxury sedan. The E38 is famous for its elegant Chris Bangle-era design and appearing in countless films. Today, it suits enthusiasts seeking affordable classic luxury with DIY maintenance abilities, as aging electronics and suspension components require attention. The 728iL offers excellent value for those wanting E38 presence without thirstier V8 running costs, ideal for occasional weekend cruising rather than daily driving.

The 728iL features complex V8 electronics prone to expensive failures, particularly the cooling system, window regulators, and suspension components. Parts are costly and scarce outside Europe, as this model wasn't US-market. Specialist BMW mechanics required. Insurance is surprisingly reasonable given the luxury badge, as values have depreciated significantly.

Price Range

$12,000 - $28,000

Market price for 2025

Estimated Annual Costs

Insurance:$800

Maintenance:$2,800

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