BMW 5 Series · Cost of Ownership
BMW 5 Series Costs
The average cost of owning a BMW 5 Series for 5 years is $50,883. This total will vary per vehicle, driver, and location. These ownership expenses include:
Cost breakdown
5-Year Cost Breakdown
| Cost | Value | Percent |
|---|---|---|
| Depreciation | $22,942 | 45% |
| Interest | $10,066 | 20% |
| Fuel | $8,225 | 16% |
| Insurance | $7,245 | 14% |
| Maintenance | $2,405 | 5% |
Value rating
BMW 5 Series CarMatch Value Rating
This grade is our unbiased financial assessment of whether the BMW 5 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
$22,94245% of 5-yr costDepreciation is the value the BMW 5 Series sheds over five years — almost always the single largest cost of ownership. Models that hold their value shrink this number dramatically.
Insurance Premiums
$7,24514% of 5-yr costEstimated full-coverage insurance premiums for the BMW 5 Series over five years. Your actual rate depends on driving record, location, and coverage level.
Maintenance & Repairs
$2,4055% of 5-yr costRoutine service, wear items, and out-of-warranty repairs for the BMW 5 Series. EVs and simpler powertrains typically land at the low end here.
Loan Interest
$10,06620% of 5-yr costFinance charges on a typical 60-month loan for the BMW 5 Series at current average APRs. A larger down payment or shorter term reduces this.
Fuel Costs
$8,22516% of 5-yr costEstimated fuel or charging cost to drive the BMW 5 Series ~15,000 miles a year for five years, based on its powertrain and typical energy prices.