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BMW X5 Costs

BMW X5 Costs of Ownership
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The average cost of owning a BMW X5 for 5 years is $71,187. This total will vary per vehicle, driver and location. These ownership expenses include:

The interactive chart below illustrates the relative proportion of each of the major costs of ownership. Click on any of the expenses boxes to see more detail.

BMW X5 CarEdge Value Rating


This grade is our unbiased, trusted and candid financial assessment of whether the BMW X5 is likely to be a good or bad automobile investment. Learn more about our Value Ratings and methodolgy.

BMW X5 Depreciation

A BMW X5 will depreciate in value by $33,497 after 5 years. Depreciation is difficult to avoid, but it can be managed. Depreciation is the difference between the original sales price, and what the vehicle will be worth in the future. We use 5 years as an example in our analysis.

When new, a typically-equipped BMW X5 sells for $73,122 on average. After 5 years of depreciation, the average residual value will be $39,625. This represents the vehicle's retail market price. Trade-in and private sale prices will likely be lower. Use our BMW X5 Depreciation Calculator to see how model year and mileage will affect your resale value.

BMW X5 Depreciation Calculator

Current Vehicle Age
Current Price
Own it For
Annual Miles

BMW X5 Insurance

The average annual cost for auto insurance for a BMW X5 is $2,468, which adds up to $12,340 after 5 years of ownership. These insurance costs are estimates based on national averages for a 40 year old, with full coverage, a good driving record, and good credit. They also assume a single-car policy, and won't reflect any multi-car discounts. See our BMW X5 Insurance Tool to view rates by state, for different driver ages, credit ratings and driving history.

BMW X5 insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

BMW X5 Maintenance

Maintenance and repair costs for a BMW X5 will amount to $4,908 after 5 years. Expenses include scheduled maintenance, normal wear and tear items and expected repairs. These estimates exclude any free warranty work performed.

The region you live, and the way you care for and drive your vehicle can have a big impact on these costs. So, your results may vary significantly from our estimates. Our BMW X5 Maintenance Cost Estimator shows how much you are likely to spend, and the probabilities of a major repair over 10 years.

BMW X5 Financing Costs

The average cost to finance a new BMW X5 would be $8,562 after 5 years. This assumes a 72-month loan with an APR of 4.75% and a 20% down payment. Financing costs are a vehicle cost that you can control. Your interest expense can be greatly reduced by changing your loan term, improving your credit score, or increasing your down payment.

Our BMW X5 Loan Calculator allows you to build a loan that's best suited for you. This handy utility will also help to keep you from becoming upside down, where you end up owing more than the vehicle is worth. You can estimate monthly payments and download the full amortization schedule as well. We've highlighted some typical loan scenarios in the table below. See what a difference a larger down payment will make in lowering your financing costs and your monthly payments.

BMW X5 Loans

Condition Term Down Payment
New 72 Month 0% Down 20% Down
New 60 Month 0% Down 20% Down
Used 48 Month 0% Down 20% Down
Used 36 Month 0% Down 20% Down

BMW X5 Fuel Economy

A BMW X5 gets an average of 19 MPG, which will cost a total of $11,880 for fuel after 5 years, or about $2,376 annually. These estimates are based on recently collected national average fuel prices, assuming 12,000 miles driven per year - 55% city and 45% highway. These figures also reflect current EPA estimates. Fuel costs will vary based on your driving style, fuel prices in your area, and the engine that will be in your vehicle. We used the BMW X5 models and engines below for our estimates:


Model Powertrain MPG (combined) City Hwy
X5 M 8cyl, 4.4L, Auto(S8) 15 13 18
X5 M Competition 8cyl, 4.4L, Auto(S8) 15 13 18
X5 M50i 8cyl, 4.4L, Auto(S8) 18 16 22
X5 sDrive40i 6cyl, 3L, Auto(S8) 23 21 26
X5 xDrive40i 6cyl, 3L, Auto(S8) 22 20 26
X5 xDrive50i 8cyl, 4.4L, Auto(S8) 18 16 22

BMW X5 Video Review