2024 BMW X3: 5-Year Total Cost of Ownership
Quick Answer
The 2024 BMW X3 costs $63,253 to own over 5 years, or $1,054/month. The biggest expenses are depreciation ($26,483) and insurance ($15,420).
✓ Updated March 2026✓ Based on state insurance filings
5-Year Total Cost of Ownership
$63,253
$1,054/month • $1/mile
Cost Breakdown
Depreciation$26,483 (42%)
Insurance$15,420 (24%)
Fuel/Energy$8,885 (14%)
Maintenance$3,960 (6%)
Financing$8,145 (13%)
Registration$360 (1%)
Year-by-Year Costs
| Year | Depreciation | Insurance | Fuel | Maintenance | Total |
|---|---|---|---|---|---|
| Year 1 | $10,112 | $3,084 | $1,777 | $792 | $15,765 |
| Year 2 | $4,093 | $3,084 | $1,777 | $792 | $9,746 |
| Year 3 | $4,093 | $3,084 | $1,777 | $792 | $9,746 |
| Year 4 | $4,093 | $3,084 | $1,777 | $792 | $9,746 |
| Year 5 | $4,093 | $3,084 | $1,777 | $792 | $9,746 |
Key Facts
1-Year Depreciation
21% ($10,112)
5-Year Depreciation
55% ($26,483)
Annual Repair Cost
$1,024
Annual Maintenance
$792
These are estimates based on state averages. Your exact rate depends on your specific profile.
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