Motoring Today

BMW 5 Series cost of ownership

Real numbers from 4 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 £447/mo on representative PCP/HP finance, emits ~124 g/km CO₂. Annual VED, fuel mix and total cost are itemised below.

Median price
£16,647
Median £/mo
£447
Median CO₂
124 g/km

The BMW 5 Series, with models available from 2015 to 2020 on Motoring Today, offers a blend of executive comfort and dynamic driving. Currently, there are 5 used models for sale, with cash prices starting from £7,490. If financing, a representative example shows monthly payments from £245, though finance is subject to status and terms will vary. Understanding the real cost of owning one of these popular executive cars is crucial for any potential buyer. Beyond the initial purchase price, several ongoing expenses contribute to the true cost of ownership for a used 5 Series. These typically include the cost of fuel or electricity, depending on the powertrain, along with vehicle insurance, which varies based on driver profile and the specific model. Road tax (VED) is another mandatory annual cost, with its amount often linked to the car's CO2 emissions or age. Regular maintenance and servicing are essential for keeping any used car in good condition, and these costs should always be factored in. Finally, depreciation, the loss in value of a vehicle over time, is a significant, albeit often overlooked, part of ownership. Our detailed calculators on this page provide more specific figures to help you budget for these running costs, considering factors such as ULEZ status and full MOT history, which are provided on all our listings.

BMW 5 Series insurance group

28–50 of 50

Median price
£16,647
From £7,490
Median monthly finance
£447/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%
D£17025%
C£3525%

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 cost of running a BMW 5 Series involves several factors including fuel, insurance, annual road tax, and routine servicing. You also need to consider depreciation, which is the loss in value over time. A used BMW 5 Series can be purchased from £7490, or from £245 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, largely depending on the car's age, mileage, and service history. As with any premium car, parts and labour can be pricier than for some mainstream brands. Regular servicing is key to long-term reliability and managing costs.
How many used BMW 5 Series cars are currently for sale?
We currently have 6 used BMW 5 Series models available for sale. These vehicles span model years from 2015 to 2022, offering a range of options.
Can I finance a used BMW 5 Series?
Yes, finance options are available for a used BMW 5 Series, with monthly payments starting from £245. All finance is subject to status, and detailed payment calculators are provided on the vehicle pages for a representative example.