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Cost of Ownership
BMW Cost of Ownership
The average estimated 5-year cost to own a BMW is $73,309, across 3 models (avg. new price $64,900). Ownership cost is the sum of depreciation, insurance, fuel, maintenance, and loan interest.
Brand average
5-Year Cost Breakdown
$73,309Total cost for 5 years
| Cost | Value | Percent |
|---|---|---|
| Depreciation | $35,256 | 48% |
| Interest | $10,820 | 15% |
| Insurance | $10,533 | 14% |
| Fuel | $10,000 | 14% |
| Maintenance | $6,700 | 9% |
By model
BMW Models — 5-Year Cost to Own
| Model | New Price | 5-Year Total |
|---|---|---|
| BMW 3 Series (2026) | $46,800 | $59,042 |
| BMW X5 (2026) | $65,900 | $73,664 |
| BMW X7 (2026) | $82,000 | $87,221 |
How We Calculate Cost of Ownership
CarMatch estimates five-year cost to own by modeling each major expense a BMW owner faces over five years and ~75,000 miles, then summing them. Figures are independent estimates from our own model — no dealer pays to influence them — and are refined as verified valuation and cost data come online.
What’s Included?
- Depreciation
- The value the vehicle sheds over five years — usually the single largest ownership cost.
- Insurance
- Estimated full-coverage premiums over five years; your rate varies by driver, location, and coverage.
- Fuel
- Energy cost to drive roughly 15,000 miles a year for five years, based on the powertrain.
- Maintenance & Repairs
- Routine service, wear items, and out-of-warranty repairs over the first five years.
- Loan Interest
- Finance charges on a typical 60-month loan at current average APRs.
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Value rating
BMW CarMatch Value Rating
Our unbiased read on how BMW’s lineup balances five-year cost to own against price. See the Value Rankings.