BMW X3 · Cost of Ownership
BMW X3 Costs
The average cost of owning a BMW X3 for 5 years is $58,631. This total will vary per vehicle, driver, and location. These ownership expenses include:
Cost breakdown
5-Year Cost Breakdown
| Cost | Value | Percent |
|---|---|---|
| Depreciation | $25,407 | 43% |
| Fuel | $11,940 | 20% |
| Insurance | $10,580 | 18% |
| Interest | $8,644 | 15% |
| Maintenance | $2,060 | 4% |
Value rating
BMW X3 CarMatch Value Rating
This grade is our unbiased financial assessment of whether the BMW X3 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
$25,40743% of 5-yr costDepreciation is the value the BMW X3 sheds over five years — almost always the single largest cost of ownership. Models that hold their value shrink this number dramatically.
Insurance Premiums
$10,58018% of 5-yr costEstimated full-coverage insurance premiums for the BMW X3 over five years. Your actual rate depends on driving record, location, and coverage level.
Maintenance & Repairs
$2,0604% of 5-yr costRoutine service, wear items, and out-of-warranty repairs for the BMW X3. EVs and simpler powertrains typically land at the low end here.
Loan Interest
$8,64415% of 5-yr costFinance charges on a typical 60-month loan for the BMW X3 at current average APRs. A larger down payment or shorter term reduces this.
Fuel Costs
$11,94020% of 5-yr costEstimated fuel or charging cost to drive the BMW X3 ~15,000 miles a year for five years, based on its powertrain and typical energy prices.