Motoring Today

BMW 4 Series cost of ownership

Real numbers from 5 BMW 4 Series cars in stock — finance, VED, fuel mix and depreciation.

Reviewed by the Motoring Today Editorial team · methodology in our editorial standards.

How much does it cost to run a BMW 4 Series?

The typical BMW 4 Series on Motoring Today costs around £274/mo on representative PCP/HP finance, emits ~144 g/km CO₂. Annual VED, fuel mix and total cost are itemised below.

Median price
£12,777
Median £/mo
£274
Median CO₂
144 g/km

With 3 BMW 4 Series models currently for sale on Motoring Today, understanding the true cost of ownership is key to making an informed decision. These models range from 2014 to 2018, with cash prices starting from £10430. For those considering finance, a representative example begins at £294 per month, though finance is always subject to status. This page provides the tools and information to explore the real running costs beyond the initial purchase price. Owning any used car involves several ongoing expenses that contribute significantly to its overall cost. For a BMW 4 Series, these typically include fuel or energy costs, which vary depending on the specific engine and your driving habits. Insurance is another major factor, influenced by your personal circumstances and the vehicle's specifications. You will also need to account for annual Vehicle Excise Duty (VED), commonly known as road tax, which can differ based on the car's age and emissions. Furthermore, regular servicing and maintenance are essential for reliability and safety, covering everything from routine checks to unexpected repairs. Finally, depreciation, the loss in value over time, is an often-overlooked but significant cost of car ownership. This page features detailed calculators to help you estimate these costs accurately for the BMW 4 Series models available on Motoring Today.

BMW 4 Series insurance group

23–50 of 50

Median price
£12,777
From £9,990
Median monthly finance
£274/mo
Representative PCP/HP
Median CO₂
144 g/km
Drives ULEZ + VED
Est. depreciation
—
Vs. original list price

Fuel cost at today's prices (updated weekly)

Estimated fuel cost
£1,566 / year
Cost per mile
19.6p / mile

Typical BMW 4 Series running cost for a private driver at 8,000 miles/year. Based on 42 mpg official combined, adjusted ~12% for real-world driving, at today's average pump price of 159.89p/litre petrol (updated 3 Aug 2026).

Pump prices: DESNZ weekly road fuel prices; electricity: DESNZ Quarterly Energy Prices — both Open Government Licence v3.0, updated weekly/quarterly. An estimate for comparison, not a guaranteed cost; your economy, mileage and tariff will vary.

Official MPG, CO₂ & insurance by trim

Trim-level specifications for the BMW 4-Series (Petrol, Diesel), across 650 recorded variants.

Performance
140–543 bhp
Power
3.3s
0–60 mph (fastest)
191 mph
Top speed
1,995–2,998 cc
Engine
Economy & running costs
0–70 mpg
Fuel economy
106–232 g/km
CO₂
£600
Road tax (VED)
23–50 of 50
Insurance group
Dimensions & practicality
4,638 mm
Length
2,017 mm
Width
1,389 mm
Height
2,810 mm
Wheelbase
1,583 kg
Weight
4
Seats
2
Doors
Euro NCAP safety
5-star · tested 2019
72%
Safety assist

The BMW 4-Series Gran Coupe was tested by Euro NCAP in 2019 and was awarded a 5 star overall rating. This overall rating is calculated from the following individual ratings:

Automatic · Manual 4 seats New from £29,280
TrimFuelPowerMPGCO₂Ins.
M4 CS xDrive 550 2dr Step AutoAutomaticPetrol543 bhp27.7 mpg23247
M4 xDrive 530 Competition M 2dr Step AutoAutomaticPetrol522 bhp27.4 - 27.7 mpg23245
M4 CSL 2dr Step AutoAutomaticPetrol543 bhp28.2 - 28.5 mpg22449
M440d xDrive MHT 2dr Step Auto [M Sport Pro Pack]AutomaticDiesel335 bhp35.3 - 45.6 mpg16245
M4 xDrive Comp M 2dr Step Auto [Ultimate/M Pro Pk]AutomaticPetrol502 bhp27.7 mpg23246
M440i xDrive MHT 5dr Step AutoAutomaticPetrol368 bhp32.5 - 34 mpg18739
M440d xDrive MHT 2dr Step AutoAutomaticDiesel335 bhp47.1 - 47.9 mpg15442
430d MHT M Sport 2dr Step Auto [Pro Pack]AutomaticDiesel281 bhp50.4 - 52.3 mpg14143
430d xDrive MHT M Sport 2dr Step AutoAutomaticDiesel281 bhp50.4 - 52.3 mpg14040
430d MHT M Sport Pro Edition 2dr Step AutoAutomaticDiesel281 bhp49.6 - 50.4 mpg14644
430i M Sport Pro Edition 5dr Step AutoAutomaticPetrol241 bhp37.7 - 39.8 mpg16135
430i [245] M Sport 2dr Step Auto [Tech/Pro Pack]AutomaticPetrol241 bhp40.4 - 42.2 mpg15334

Manufacturer specifications aggregated across recorded trims; individual cars vary by options and age. Figures are a guide — confirm exact spec with the seller.

Annual VED (road tax) bands

CO₂ bandAnnual VEDShare of stock
Standard rate£20060%
C£3520%
F£22520%

Indicative standard-rate VED. Cars over £40k list price pay an additional supplement for years 2–6.

Fuel mix in stock

Petrol · 60%Diesel · 40%

Frequently asked questions

How much does it cost to run a BMW 4 Series?
The buy-in for a used BMW 4 Series starts from £10,430 cash, or from £294 per month on finance. Running costs typically include fuel, insurance, road tax, and servicing. Depreciation is also a significant factor to consider over time.
Is a used BMW 4 Series expensive to maintain?
Maintenance costs for a used BMW 4 Series can vary, largely depending on the car's age and mileage. Older models or those with higher mileage may naturally require more attention and component replacement.
How many used BMW 4 Series are currently for sale?
There are 3 used BMW 4 Series models currently for sale, ranging from year 2014 to 2018. Finance is subject to status, and detailed calculators are available on the page.

More BMW 4 Series resources