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Cost to Own

2026 BMW I5 Cost to Own

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A 2026 BMW i5 will depreciate $39,856 after 5 years and have a 5-year residual value of $28,419. With out of pocket expenses at $46,262, the total Cost to Own of the 2026 BMW i5 is $86,118.

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Miles Driven / Year
Average Costs

The 2026 BMW i5 is in the middle 26-75% for Cost to Own among all Luxury Cars.

5-Year Cost to Own: $86,118

What Does Cost to Own Include?

Fuel
Out of Pocket Expenses $46,262
5-year operating expenses like gas, insurance, interest, maintenance, repairs, and state fees.
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Depreciation
Depreciation (Loss in Value) $39,856
The car's estimated loss in value from the purchase date over 5 years.
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Out of Pocket + Depreciation = Cost to Own

When considering the cost of a car, it's important to look beyond the sticker price. Expenses like fuel, maintenance and insurance can add up quickly.

Sometimes a car with a higher initial price tag can actually save you money over the first five years of ownership. Understanding these differences can help you make a smarter financial decision and keep more money in your pocket.

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Cost to Own Comparison

5-Year Cost to Own includes out-of-pocket expenses like fuel, insurance, service & financing, plus the car's loss in value over time (depreciation).

2026 BMW i5 photo
2026 BMW i5

Cost to Own: $86,118

MSRP: $68,275

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Compare Out of Pocket Expenses

New 2026
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BMW i5
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Total Out of Pocket Expenses
$46,262
-
-
Fuel
$4,088
-
-
Maintenance
$4,695
-
-
Insurance
$20,040
-
-
Repairs
$2,480
-
-
Financing
$8,833
-
-
State Fees
$6,126
-
-

Compare 5-Year Depreciation

2026 BMW i5
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5-year Cost to Own Breakdown

2026 BMW i5
Year 1
Year 2
Year 3
Year 4
Year 5
Total
Fuel
$785
$802
$817
$834
$850
$4,088
Insurance
$4,008
$4,008
$4,008
$4,008
$4,008
$20,040
Financing
$3,065
$2,448
$1,800
$1,118
$402
$8,833
State Fees
$5,938
-
$94
-
$94
$6,126
Maintenance
-
-
$129
$4,566
-
$4,695
Repairs
-
-
-
$995
$1,485
$2,480
Depreciation
$16,488
$5,906
$6,247
$5,838
$5,377
$39,856
Cost To Own
$30,284
$13,164
$13,095
$17,359
$12,216
$86,118
2026 BMW i5 Cost to Own
5-Year Cost to Own includes out of pocket expenses like fuel, insurance, service & financing, plus the car’s loss in value over time (depreciation).
5-Year Depreciation:$39,856
5-Year Out of Pocket Expenses:$46,262
5-Year Cost to Own:$86,118
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FAQs

As of May 2025 insuring a BMW i5 2026 will cost approximately $20,040 dollars to insure per year, or $1,670 dollars per month. This amount can vary depending on factors like the age of the driver, driving record, credit rating, location of insured vehicle, vehicle trim and the company providing the insurance. For more information on insuring your vehicle, check out Kelley Blue Book.

As of May 2025 average annual maintenance costs for a BMW i5 2026 run about $939 dollars, totaling approximately $4,695 dollars over five years.

As of May 2025 average annual depreciation for a BMW i5 2026 runs about $7,971 dollars, totaling approximately $39,856 dollars over five years. It's worth noting that new vehicles depreciate most rapidly in the first couple years after purchase and that rate slows over time.

A BMW i5 2026 can be expected to depreciate around $39,856 dollars over the course of 5 years, averaging $7,971 dollars per year, with the most dramatic depreciation occurring in the first 2-3 years and tapering off thereafter. Factors impacting the depreciation value of the 2026 BMW include vehicle age, mileage, make and model, accident history, market demand, service history, and external market factors like gas prices. For a more detailed breakdown of vehicle value, check with the experts at Kelley Blue Book.

Average annual maintenance costs for a BMW i5 2026 run about $939 dollars or $4,695 dollars over the span of 5 years. For a more detailed cost breakdown, check out Kelley Blue Book's car maintenance pages for the 2026 BMW.

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