BMW 3 Series · Cost of Ownership
BMW 3 Series Costs
The average cost of owning a BMW 3 Series for 5 years is $59,042. This total will vary per vehicle, driver, and location. These ownership expenses include:
Cost breakdown
5-Year Cost Breakdown
| Cost | Value | Percent |
|---|---|---|
| Depreciation | $25,740 | 44% |
| Fuel | $10,000 | 17% |
| Insurance | $9,600 | 16% |
| Interest | $7,802 | 13% |
| Maintenance | $5,900 | 10% |
Value rating
BMW 3 Series CarMatch Value Rating
This grade is our unbiased financial assessment of whether the BMW 3 Series is likely to be a good or poor automotive investment, based on its 5-year cost to own relative to its price. Learn more about our Value Ratings.
Depreciation
$25,74044% of 5-yr costDepreciation is the value the BMW 3 Series sheds over five years — almost always the single largest cost of ownership. Models that hold their value shrink this number dramatically.
Insurance Premiums
$9,60016% of 5-yr costEstimated full-coverage insurance premiums for the BMW 3 Series over five years. Your actual rate depends on driving record, location, and coverage level.
Maintenance & Repairs
$5,90010% of 5-yr costRoutine service, wear items, and out-of-warranty repairs for the BMW 3 Series. EVs and simpler powertrains typically land at the low end here.
Loan Interest
$7,80213% of 5-yr costFinance charges on a typical 60-month loan for the BMW 3 Series at current average APRs. A larger down payment or shorter term reduces this.
Fuel Costs
$10,00017% of 5-yr costEstimated fuel or charging cost to drive the BMW 3 Series ~15,000 miles a year for five years, based on its powertrain and typical energy prices.