← Open 2020 BMW X5 xDrive40i in the full tool
Cost to own
2020 BMW X5 xDrive40i
Cost per mile
$1.48/mi
$74,005 total over 5 years
about $1,233 a month · $9,190 a year fixed + $0.56 per extra mile
Smiles per dollar
4.2
experience 6.2/10 ÷ $1.48/mi (editorial rating, never part of the cost)
Worked out for 5 years at 10,000 miles a year with U.S. averages for taxes, fees and fuel (enter your ZIP in the tool for your state's rules) and a 7.14% loan with nothing down. Change any of it in the tool or compare it with other cars.
Where the money goes
| Depreciation | $26,000 | 35% |
| Tax + title | $2,052 | 3% |
| Fuel / charging | $12,409 | 17% |
| Insurance | $11,000 | 15% |
| Maintenance + repairs | $13,896 | 19% |
| Registration | $524 | 1% |
| Vehicle property tax | $48 | 0% |
| Loan interest | $8,076 | 11% |
| Total | $74,005 | 100% |
Buying and selling
Price $40,000, worth about $14,000 after 5 years (35% of its value kept). Prices as of September 2026. 22 mpg on premium (EPA combined).
Known problem areas
- Valve cover (with PCV) and oil filter housing gasket leaks (B58) (high odds, $700–$1,600): Oil seepage; integrated plastic valve cover must be replaced as an assembly source
- Variable oil pump with plastic adjusting ring (2019-2020 G05 40i) (medium odds, $4,000–$8,800): Plastic adjusting ring fails, low oil pressure warning; cold starts said to accelerate it; replaced with all-metal pump 11418646454 source
- Electric water pump / expansion tank (medium odds, $1,000–$2,300): Electric pump is a known wear item: coolant warning, overheating source
- Front thrust-arm / control-arm bushings (medium odds, $800–$1,500): Clunks, tramlining; heavy 5,000-lb SUV plus dirt roads source
- Two-axle air suspension compressor/air springs (if optioned; coils standard) (low odds, $1,200–$3,000): Car sits low, compressor runs noisily or fails source
Similar cars
- 2006 Lexus GX470 · $0.90/mi
- 2021 Toyota 4Runner TRD Pro · $1.13/mi
- 2021 Lexus GX460 · $1.18/mi
- 2021 Toyota Sequoia TRD Pro · $1.41/mi
- 2022 Ford Bronco Badlands · $1.08/mi
- 2022 Jeep Grand Cherokee Trailhawk · $1.13/mi
Every number is an estimate you can change. Sources for each one are on its sticker in the tool (tap the small "i"). How CPM works.