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Cost to Own

2025 BMW 5 Series Cost to Own

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A 2025 BMW 5 Series will depreciate $38,137 after 5 years and have a 5-year residual value of $21,738. With out of pocket expenses at $42,103, the total Cost to Own of the 2025 BMW 5 Series is $80,240.

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Miles Driven / Year
Average Costs

The 2025 BMW 5 Series is in the middle 26-75% for Cost to Own among all Luxury Cars.

5-Year Cost to Own: $80,240

What Does Cost to Own Include?

Fuel
Out of Pocket Expenses $42,103
5-year operating expenses like gas, insurance, interest, maintenance, repairs, and state fees.
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Depreciation
Depreciation (Loss in Value) $38,137
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 5 Series photo
2025 BMW 5 Series

Cost to Own: $80,240

MSRP: $59,875

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Compare Out of Pocket Expenses

New 2025
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BMW 5 Series
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Total Out of Pocket Expenses
$42,103
-
-
Fuel
$4,798
-
-
Maintenance
$4,976
-
-
Insurance
$18,120
-
-
Repairs
$2,480
-
-
Financing
$7,378
-
-
State Fees
$4,351
-
-

Compare 5-Year Depreciation

2025 BMW 5 Series
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5-year Cost to Own Breakdown

2025 BMW 5 Series
Year 1
Year 2
Year 3
Year 4
Year 5
Total
Fuel
$1,020
$968
$942
$936
$932
$4,798
Insurance
$3,624
$3,624
$3,624
$3,624
$3,624
$18,120
Financing
$2,560
$2,045
$1,503
$934
$336
$7,378
State Fees
$4,227
$31
$31
$31
$31
$4,351
Maintenance
-
-
$131
$4,845
-
$4,976
Repairs
-
-
-
$995
$1,485
$2,480
Depreciation
$19,007
$4,715
$4,984
$5,255
$4,176
$38,137
Cost To Own
$30,438
$11,383
$11,215
$16,620
$10,584
$80,240
2025 BMW 5 Series 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:$38,137
5-Year Out of Pocket Expenses:$42,103
5-Year Cost to Own:$80,240
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FAQs

As of April 2025 insuring a BMW 5 Series 2025 will cost approximately $18,120 dollars to insure per year, or $1,510 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 April 2025 average annual maintenance costs for a BMW 5 Series 2025 run about $995 dollars, totaling approximately $4,976 dollars over five years.

As of April 2025 average annual depreciation for a BMW 5 Series 2025 runs about $7,627 dollars, totaling approximately $38,137 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 5 Series 2025 can be expected to depreciate around $38,137 dollars over the course of 5 years, averaging $7,627 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 5 Series 2025 run about $995 dollars or $4,976 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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