BMW X5 · Cost of Ownership
BMW X5 Costs
The average cost of owning a BMW X5 for 5 years is $73,664. This total will vary per vehicle, driver, and location. These ownership expenses include:
Cost breakdown
5-Year Cost Breakdown
| Cost | Value | Percent |
|---|---|---|
| Depreciation | $34,927 | 47% |
| Interest | $10,987 | 15% |
| Insurance | $10,800 | 15% |
| Fuel | $10,000 | 14% |
| Maintenance | $6,950 | 9% |
Value rating
BMW X5 CarMatch Value Rating
This grade is our unbiased financial assessment of whether the BMW X5 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
$34,92747% of 5-yr costDepreciation is the value the BMW X5 sheds over five years — almost always the single largest cost of ownership. Models that hold their value shrink this number dramatically.
Insurance Premiums
$10,80015% of 5-yr costEstimated full-coverage insurance premiums for the BMW X5 over five years. Your actual rate depends on driving record, location, and coverage level.
Maintenance & Repairs
$6,9509% of 5-yr costRoutine service, wear items, and out-of-warranty repairs for the BMW X5. EVs and simpler powertrains typically land at the low end here.
Loan Interest
$10,98715% of 5-yr costFinance charges on a typical 60-month loan for the BMW X5 at current average APRs. A larger down payment or shorter term reduces this.
Fuel Costs
$10,00014% of 5-yr costEstimated fuel or charging cost to drive the BMW X5 ~15,000 miles a year for five years, based on its powertrain and typical energy prices.