Car value bmw x5

BMW X5 Costs

The interactive chart below illustrates the relative proportion of each of the major costs of ownership. Click on any of the expenses boxes to see more detail.

BMW X5 CarEdge Value Rating

This grade is our unbiased, trusted and candid financial assessment of whether the BMW X5 is likely to be a good or bad automobile investment. Learn more about our Value Ratings and methodolgy.

BMW X5 Depreciation

A BMW X5 will depreciate in value by $33,497 after 5 years. Depreciation is difficult to avoid, but it can be managed. Depreciation is the difference between the original sales price, and what the vehicle will be worth in the future. We use 5 years as an example in our analysis.

When new, a typically-equipped BMW X5 sells for $73,122 on average. After 5 years of depreciation, the average residual value will be $39,625. This represents the vehicle’s retail market price. Trade-in and private sale prices will likely be lower. Use our BMW X5 Depreciation Calculator to see how model year and mileage will affect your resale value.

BMW X5 Depreciation Calculator

BMW X5 Insurance

The average annual cost for auto insurance for a BMW X5 is $2,468, which adds up to $12,340 after 5 years of ownership. These insurance costs are estimates based on national averages for a 40 year old, with full coverage, a good driving record, and good credit. They also assume a single-car policy, and won’t reflect any multi-car discounts. See our BMW X5 Insurance Tool to view rates by state, for different driver ages, credit ratings and driving history.

BMW X5 insurance rates will vary significantly between providers for the same coverage. If you’ve been with your current insurance company for more than a few years, you should get new quotes to make sure you’re not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

BMW X5 Maintenance

Maintenance and repair costs for a BMW X5 will amount to $4,908 after 5 years. Expenses include scheduled maintenance, normal wear and tear items and expected repairs. These estimates exclude any free warranty work performed.

The region you live, and the way you care for and drive your vehicle can have a big impact on these costs. So, your results may vary significantly from our estimates. Our BMW X5 Maintenance Cost Estimator shows how much you are likely to spend, and the probabilities of a major repair over 10 years.

BMW X5 Financing Costs

The average cost to finance a new BMW X5 would be $8,562 after 5 years. This assumes a 72-month loan with an APR of 4.75% and a 20% down payment. Financing costs are a vehicle cost that you can control. Your interest expense can be greatly reduced by changing your loan term, improving your credit score, or increasing your down payment.

Our BMW X5 Loan Calculator allows you to build a loan that’s best suited for you. This handy utility will also help to keep you from becoming upside down, where you end up owing more than the vehicle is worth. You can estimate monthly payments and download the full amortization schedule as well. We’ve highlighted some typical loan scenarios in the table below. See what a difference a larger down payment will make in lowering your financing costs and your monthly payments.

BMW X5 Loans

BMW X5 Fuel Economy

A BMW X5 gets an average of 19 MPG, which will cost a total of $11,880 for fuel after 5 years, or about $2,376 annually. These estimates are based on recently collected national average fuel prices, assuming 12,000 miles driven per year — 55% city and 45% highway. These figures also reflect current EPA estimates. Fuel costs will vary based on your driving style, fuel prices in your area, and the engine that will be in your vehicle. We used the BMW X5 models and engines below for our estimates:

BMW X5 MPG

Model	Powertrain	MPG (combined)	City	Hwy
X5 M	8cyl, 4.4L, Auto(S8)	15	13	18
X5 M Competition	8cyl, 4.4L, Auto(S8)	15	13	18
X5 M50i	8cyl, 4.4L, Auto(S8)	18	16	22
X5 sDrive40i	6cyl, 3L, Auto(S8)	23	21	26
X5 xDrive40i	6cyl, 3L, Auto(S8)	22	20	26
X5 xDrive50i	8cyl, 4.4L, Auto(S8)	18	16	22

BMW X5 Video Review

Cost of Ownership Methodology

We aggregate and analyze millions of automotive data points from a variety of the industry’s leading data providers. The insights and information on this page represent the overall averages of the combined costs of vehicle ownership. This information should be used as a general guide, as your individual results may vary significantly from that which is shown. Our mission is to provide car buyers with the resources they need to make informed purchase decisions. To learn more, see our FAQs.

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BMW X5 Depreciation

The BMX X5 ranks 60th out of 71 luxury models for depreciation after five years, and will lose over 55% of its original value. If you feel you have to buy one new, recognize that you’ll need to love it to justify the significant financial hit you’ll take. The chart below shows the expected depreciation for the next 10 years. These results are for vehicles in good condition, averaging 12,000 miles per year. It also assumes a selling price of $73,122 when new. Enter your purchase price, expected ownership period and estimated miles driven annually. Our depreciation calculator will predict an expected resale value for the BMW X5.

BMW X5 Depreciation

Years Old	Depreciation	Residual Value	Resale Value	Mileage	Resale Year
1	$5,155	92.95%	$67,967	12,000	2022
2	$18,792	74.30%	$54,330	24,000	2023
3	$20,474	72.00%	$52,648	36,000	2024
4	$26,214	64.15%	$46,908	48,000	2025
5	$33,497	54.19%	$39,625	60,000	2026
6	$39,588	45.86%	$33,534	72,000	2027
7	$43,376	40.68%	$29,746	84,000	2028
8	$46,096	36.96%	$27,026	96,000	2029
9	$54,308	25.73%	$18,814	108,000	2030
10	$56,224	23.11%	$16,898	120,000	2031

BMW X5 Depreciation

Years Old	Depreciation	Residual Value	Resale Value
1	$5,155	92.95%	$67,967
2	$18,792	74.30%	$54,330
3	$20,474	72.00%	$52,648
4	$26,214	64.15%	$46,908
5	$33,497	54.19%	$39,625
6	$39,588	45.86%	$33,534
7	$43,376	40.68%	$29,746
8	$46,096	36.96%	$27,026
9	$54,308	25.73%	$18,814
10	$56,224	23.11%	$16,898

Buying a BMW X5 New vs Used

If you purchase a used BMW X5 that is 2 years old, then you could save $18,792 compared to buying new, and still have a relatively new model with plenty of useful life remaining. If you plan to keep this vehicle for 3 years then your total cost of depreciation would be $14,705. Try other age and ownership length combinations, or different vehicles to see if you can find depreciation sweetspots where this cost is the lowest. Hint: Try vehicles between 2 and 4 years old, as brand new vehicles depreciate quickly. Also, if this is a recently released model and buying a few years old isn’t possible, consider another vehicle, or perhaps wait until more used X5 models become available.

What About BMW X5 Insurance Costs?

The average cost to insure a BMW X5 is about $2,468 per year. This adds up to around $12,340 after 5 years of vehicle ownership. Unlike depreciation, this expense can often be lowered by shopping around for lower insurance premiums. Comparing quotes will ensure that you are not overpaying if you already own a BMW X5. Or, if you are just researching, then it would be money-wise to know this cost before buying. Try our Competitive Quote Tool or the form below to get free quotes. Advertising Disclosure

The Best Model Years to Buy a BMW X5

The 2020 BMW X5 is our top pick for the best model year value for the X5. With the 2020, you would only pay, on average, 74% of the price as new, with 83% of the vehicle’s useful life remaining. The 2017 and 2016 model years are also attractive years for the X5, and provide a relatively good value. Our rankings consider multiple factors, including the X5’s price as new, current price, maintenance costs and remaining years of overall predictabe expenses. Our top ranked model year represents the most car for the money of the BMW X5 models.

BMW X5 Historical Depreciation

Year	New Price	Current Price	Maintenance	$ Decline	% Decline	% Paid	Value Rating
2022	$73,122	$73,122	$621	$0	0%	100%
2021	$72,939	$68,524	$727	$4,598	6.29%	92.95%
2020	$79,297	$59,810	$896	$8,714	12.72%	74.3%	Best
2019	$70,723	$50,921	$1,167	$8,889	14.86%	72%
2018	$63,578	$42,176	$1,392	$8,745	17.17%	64.15%	Good
2017	$61,914	$35,296	$1,745	$6,880	16.31%	54.19%	Better
2016	$60,827	$30,360	$2,463	$4,936	13.98%	45.86%	Better
2015	$59,770	$27,062	$2,748	$3,298	10.86%	40.68%	Good
2014	$58,080	$24,482	$3,013	$2,580	9.53%	36.96%
2013	$53,617	$17,204	$3,407	$7,278	29.73%	25.73%
2012	$53,617	$15,850	$3,458	$1,354	7.87%	23.11%
2011	$50,497	$13,850	$3,880	$2,000	12.62%	19.74%
2010	$49,872	$13,150	$4,491	$700	5.05%	17.36%

Year	Price	% Paid	Value Rank
2022	$73,122	100%
2021	$68,524	92.95%
2020	$59,810	74.3%	Best
2019	$50,921	72%
2018	$42,176	64.15%	Good
2017	$35,296	54.19%	Better
2016	$30,360	45.86%	Better
2015	$27,062	40.68%	Good
2014	$24,482	36.96%
2013	$17,204	25.73%
2012	$15,850	23.11%
2011	$13,850	19.74%
2010	$13,150	17.36%

BMW X5 Depreciation Rankings

We’ve ranked over 200 models from best to worst for Depreciation. See where the BMW X5 ranks for Depreciation compared to other vehicles. Also check out how the X5 stacks up in our rankings for Maintenance, Insurance and Overall Costs.

Other BMW X5 Costs of Ownership

Finding a car or truck that saves on depreciation costs is important. But, it’s also imperative to view all major BMW X5 costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We’ve created tools that will also help you to save on the following ownership expenses:

Used BMW X5s For Sale

2015 BMW X5 xDrive35i

$21,995

2020 BMW X5 40i

$36,495

2015 BMW X5 xDrive50i

$19,500

2016 BMW X5 xDrive35i

$20,998

2015 BMW X5 xDrive35i

$13,930

2012 BMW X5 xDrive35d

$12,950

2011 BMW X5 xDrive35d

$12,990

2018 BMW X5 xDrive35i

$27,990

2017 BMW X5 xDrive50i

$28,650

2018 BMW X5 xDrive35i

$29,999

2017 BMW X5 xDrive35d

$24,400

2020 BMW X5 40i

$38,880

2020 BMW X5 M50i

$54,990

2020 BMW X5 40i

$42,990

2021 BMW X5 40i

$42,980

2020 BMW X5 40i

$39,880

2020 BMW X5 40i

$42,980

2022 BMW X5 40i

$50,680

2020 BMW X5 40i

$40,480

2020 BMW X5 40i

$39,980

2020 BMW X5 40i

$45,490

2020 BMW X5 40i

$40,880

2020 BMW X5 40i

$41,480

2021 BMW X5 40i

$42,480

2021 BMW X5 40i

$44,480

2020 BMW X5 40i

$39,680

2016 BMW X5 sDrive35i

$21,970

2019 BMW X5 40i

$40,770

2017 BMW X5 sDrive35i

$21,998

2020 BMW X5 40i

$47,919

2018 BMW X5 xDrive35i

$31,555

2017 BMW X5 sDrive35i

$28,343

2020 BMW X5 40i

$46,916

2021 BMW X5 40i

$51,900

2020 BMW X5 40i

$37,888

2023 BMW X5 40i

$56,900

2023 BMW X5 40i

$54,900

2023 BMW X5 40i

$58,900

2022 BMW X5 40i

$57,900

2006 BMW X5 3.0i

$4,440

2019 BMW X5 50i

$48,999

2020 BMW X5 40i

$43,730

2024 BMW X5 M60i

$96,690

2022 BMW X5 45e

$66,990

2016 BMW X5 xDrive35i

$23,229

2014 BMW X5 sDrive35i

$21,989

2013 BMW X5 xDrive35i

$13,789

2017 BMW X5 xDrive35i

$23,589

2011 BMW X5 xDrive35d

$9,995

«Useful Lifespan» and Methodolgy

While the «Useful Lifespan» of a vehicle will vary greatly from one model to the next, and even one owner to the next, we have determined that twelve years is the most appropriate timeframe which will yield us good, usable data — and that any data beyond that timeframe becomes more dispersed, and ultimately less reliable. Moreover, maintenance costs beyond that timeframe become significantly more varied, as a vehicle owner’s care of a particular vehicle will greatly impact its value, and ongoing maintenance costs. We are very much hopeful, however, that your car or truck will last well beyond twelve years, and that it gets you to where you want to go.

We aggregate and analyze millions of automotive data points from a variety of the industry’s leading data providers. The insights and information on this page represent the overall averages of the combined costs of vehicle ownership. This information should be used as a general guide, as your individual results may vary significantly from that which is shown. Our mission is to provide car buyers with the resources they need to make informed purchase decisions. To learn more, see our FAQs.

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