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Cost to Own

2025 BMW X5 M Cost to Own

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A 2025 BMW X5 M will depreciate $71,228 after 5 years and have a 5-year residual value of $57,147. With out of pocket expenses at $72,500, the total Cost to Own of the 2025 BMW X5 M is $143,728.

Style
Miles Driven / Year
Higher Costs than Most

The 2025 BMW X5 M is in the bottom 76-100% for Cost to Own among all Luxury Mid-size SUV/Crossovers.

5-Year Cost to Own: $143,728

What Does Cost to Own Include?

Fuel
Out of Pocket Expenses $72,500
5-year operating expenses like gas, insurance, interest, maintenance, repairs, and state fees.
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Depreciation
Depreciation (Loss in Value) $71,228
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).

2025 BMW X5 M photo
2025 BMW X5 M

Cost to Own: $143,728

MSRP: $128,375

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Compare Out of Pocket Expenses

New 2025
1 of 3
BMW X5 M
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Total Out of Pocket Expenses
$72,500
-
-
Fuel
$12,443
-
-
Maintenance
$3,357
-
-
Insurance
$22,020
-
-
Repairs
$2,119
-
-
Financing
$16,183
-
-
State Fees
$16,378
-
-

Compare 5-Year Depreciation

2025 BMW X5 M
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5-year Cost to Own Breakdown

2025 BMW X5 M
Year 1
Year 2
Year 3
Year 4
Year 5
Total
Fuel
$2,645
$2,517
$2,429
$2,429
$2,423
$12,443
Insurance
$4,404
$4,404
$4,404
$4,404
$4,404
$22,020
Financing
$5,615
$4,485
$3,298
$2,049
$736
$16,183
State Fees
$12,090
$1,072
$1,072
$1,072
$1,072
$16,378
Maintenance
-
-
$131
$3,226
-
$3,357
Repairs
-
-
-
$850
$1,269
$2,119
Depreciation
$20,712
$16,336
$13,094
$10,976
$10,110
$71,228
Cost To Own
$45,466
$28,814
$24,428
$25,006
$20,014
$143,728
2025 BMW X5 M 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:$71,228
5-Year Out of Pocket Expenses:$72,500
5-Year Cost to Own:$143,728
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FAQs

As of May 2025 insuring a BMW X5 M 2025 will cost approximately $22,020 dollars to insure per year, or $1,835 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 X5 M 2025 run about $671 dollars, totaling approximately $3,357 dollars over five years.

As of May 2025 average annual depreciation for a BMW X5 M 2025 runs about $14,245 dollars, totaling approximately $71,228 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 X5 M 2025 can be expected to depreciate around $71,228 dollars over the course of 5 years, averaging $14,245 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 2025 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 X5 M 2025 run about $671 dollars or $3,357 dollars over the span of 5 years. For a more detailed cost breakdown, check out Kelley Blue Book's car maintenance pages for the 2025 BMW.

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