Motoring Today

BMW 5 Series cost of ownership

Real numbers from 6 BMW 5 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 5 Series?

The typical BMW 5 Series on Motoring Today costs around £308/mo on representative PCP/HP finance, emits ~124 g/km CO₂. Annual VED, fuel mix and total cost are itemised below.

Median price
£12,597.5
Median £/mo
£308
Median CO₂
124 g/km

With 6 used BMW 5 Series models currently available on Motoring Today, ranging in age from 2015 to 2022, understanding the real running costs is key to making an informed purchase. While the cheapest cash price for a 5 Series starts from £7990, and representative monthly finance from £249 (subject to status), these figures are only part of the ownership picture. This page delves into the broader financial implications beyond the initial purchase price, providing tools and insights to help you budget effectively. Owning a used BMW 5 Series involves several ongoing expenses. You'll need to consider fuel or energy costs, depending on the powertrain of your chosen model, as well as vehicle insurance, which varies significantly based on driver profile and specific vehicle. Road tax, also known as Vehicle Excise Duty (VED), is another mandatory annual cost influenced by the car's age and emissions. Regular servicing and maintenance are crucial for reliability and longevity, and these costs can fluctuate with the car's mileage and condition. Finally, depreciation is a significant, albeit often overlooked, cost of vehicle ownership. While used cars have already absorbed much of their initial depreciation, understanding how quickly a specific 5 Series model might lose further value is important for future resale. Our detailed calculators on this page will help you explore these costs specific to the BMW 5 Series, enabling you to compare models and plan your budget confidently.

BMW 5 Series insurance group

28–50 of 50

Median price
£12,597.5
From £7,990
Median monthly finance
£308/mo
Representative PCP/HP
Median CO₂
124 g/km
Drives ULEZ + VED
Est. depreciation
—
Vs. original list price

Fuel cost at today's prices (updated weekly)

Estimated fuel cost
£1,232 / year
Cost per mile
15.4p / mile

Typical BMW 5 Series running cost for a private driver at 8,000 miles/year. Based on 60 mpg official combined, adjusted ~12% for real-world driving, at today's average pump price of 179.19p/litre diesel (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 5-Series (Diesel, Petrol, Petrol Parallel PHEV), across 800 recorded variants.

Performance
105–716 bhp
Power
2.9s
0–60 mph (fastest)
190 mph
Top speed
1,766–4,999 cc
Engine
Economy & running costs
19–68 mpg
Fuel economy
13–357 g/km
CO₂
63 mi
Electric range (max)
£600
Road tax (VED)
28–50 of 50
Insurance group
Dimensions & practicality
4,907 mm
Length
1,981 mm
Width
1,468 mm
Height
2,968 mm
Wheelbase
1,700 kg
Weight
5
Seats
4
Doors
Euro NCAP safety
4★
Adult
4★
Child
1★
Pedestrian

The BMW 5-Series M5 (05-10) was tested by Euro NCAP in and received the following safety ratings:

Automatic · Manual 5 seats New from £12,739
TrimFuelPowerMPGCO₂Ins.
M5 5dr DCTAutomaticPetrol Parallel PHEV716 bhp27.2 mpg3949
M5 4dr DCTAutomaticPetrol Parallel PHEV716 bhp27.4 mpg3449
530e M Sport 5dr AutoAutomaticPetrol Parallel PHEV294 bhp39.8 mpg1640
520i M Sport 5dr AutoAutomaticPetrol205 bhp42.8 - 46.3 mpg13834
550e xDrive M Sport 4dr Auto [Tech+/Comfort+]AutomaticPetrol Parallel PHEV482 bhp36.7 mpg1844
530e M Sport Pro 4dr AutoAutomaticPetrol Parallel PHEV294 bhp42.2 mpg1440
520i M Sport 4dr AutoAutomaticPetrol205 bhp45.6 - 48.7 mpg13035
M5 CS 4dr DCTAutomaticPetrol626 bhp25 mpg256—
M5 Competition 4dr DCT [Ultimate Pack] 4dAutomaticPetrol616 bhp25 - 25.4 mpg25450
M550i xDrive 4dr Auto 4dAutomaticPetrol522 bhp26.2 - 26.6 mpg24346
545e xDrive SE 4dr AutoAutomaticPetrol Parallel PHEV388 bhp34.9 - 36.2 mpg3943
545e xDrive M Sport Edition 4dr AutoAutomaticPetrol Parallel PHEV388 bhp33.6 mpg4744

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£20050%
F£22517%
C£3517%
D£17017%

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

Fuel mix in stock

Diesel · 100%

Frequently asked questions

How much does it cost to run a BMW 5 Series?
The running costs for a BMW 5 Series include fuel or energy, insurance premiums, annual road tax, and regular servicing. Depreciation also represents a significant cost over time. You can typically find a BMW 5 Series for sale from £7,990, or from £308 per month on finance, subject to status.
Is a used BMW 5 Series expensive to maintain?
Maintenance costs for a used BMW 5 Series can vary. Generally, older vehicles with higher mileage may incur more significant servicing and repair expenses. Regular, scheduled maintenance can help manage these costs.
How many used BMW 5 Series cars are currently for sale?
There are currently 4 used BMW 5 Series models available for sale, spanning model years from 2015 to 2022. Detailed finance calculators are available on the page for all current stock.

More BMW 5 Series resources