Most fuel-efficient

328d — 36 Combined MPG

i3 — 118 Combined MPG

Most popularly searched on Cars.com

X5

X3

Lowest Ownership Costs*

i3 — $47,069 / 5yrs

X1 — $48,226 / 5yrs

Lowest Price (New)

228 — $32,850 starting MSRP

X1 — $33,900 starting MSRP

* Ownership costs for insurance, fuel and maintenance estimated by Vincentric.

Costs of Ownership by Vincentric

Vincentric is a third-party that calculates and combines estimated and actual costs to own from:

  • fuel
  • insurance
  • maintenance and repair

This does not include taxes, fees or financing costs.Therefore,two cars with the same price may vary in how much they will cost over time.

Interested in how this is calculated? Learn more

Vincentric Logo

Calculating Cost to Own

A vehicle's cost-to-own value and score are calculated by Vincentric.

Measuring Value and Rating Vehicles

Despite having the same purchase price, the vehicle with the lower ownership costs is a better value than the one having the higher ownership costs.

To determine the expected cost of ownership, Vincentric measures more than 1,900 vehicle configurations, combining the costs associated with ownership, listed below. Statistical models are used to correlate the price of a vehicle with its cost of ownership among 34 vehicle segments. An average expected cost to own is established.

Ownership Costs

Depreciation is an estimate of the reduction in value incurred by owning and operating a vehicle over a period of time. The depreciation cost is calculated using a combination of data sources and assumptions, including the value of the vehicle, the mileage of the vehicle, and the overall the condition of the vehicle.

Fees and taxes are an estimate of the costs you will incur to operate the vehicle over a period of time. Fees and taxes are imposed by state and local governments and government agencies, such as the DMV, and they include the cost of registration, title fees, and state sales taxes. This calculation includes the Federal Hybrid Tax Credit.

Financing is an estimate of what it will cost you to borrow money to purchase a vehicle. The financing costs are calculated by using various data sources from multiple lending institutions, including standard down payment amounts, loan terms, and current interest rates.

Insurance costs are an estimate of what it will cost you to insure the vehicle over a period of time. Insurance costs vary widely based upon the driving record of the owner and the coverage amount, so assumptions about the driver and coverage amount plus data from multiple insurance industry sources are used for estimating.

Fuel costs are an estimate of what it will cost you at the gas pump for the vehicle over a period of time. Fuel costs are calculated using the U.S. Government Environmental Protection Agency's estimated mileage figures (when available) for both highway and city driving, then adjustments are made based on the estimated percentage of mileage for these two types of driving. The estimated miles driven per year, the type of fuel the vehicle requires, and current state gas prices are all factored into the estimated fuel costs.

Maintenance costs are an estimate of what it will cost you to maintain the vehicle over a period of time. Maintenance costs can vary greatly based upon the vehicle you own and how you drive it, but the maintenance cost estimated is based on three key data points that we receive from industry sources: frequency of incident, labor rates, and parts prices. This tabulation factors both scheduled and unscheduled maintenance. Repair costs are an estimate of what it will cost you to repair the vehicle over a period of time.

Repair costs are estimated using the national average consumers will pay to keep their vehicle in operating condition (please note that because maintenance costs are measured separately, the repair cost does not include these costs). The estimate is prepared using a $0 deductible extended service contract that will pay for repairs for 5 years or at least 75,000 miles. Figures quoted are averages from nationally-available service contract providers and are adjusted to eliminate the profit margin from the calculation.

Scoring 1-5

Vincentric uses an approach to rate each vehicle from poor to excellent on a five-point scale. The scores are calculated based on the percentage difference between a vehicle's expected and measured cost-of-ownership. This statistically-driven approach allows Vincentric to measure value in an unbiased manner, and help consumers and the automotive industry better understand how ownership costs impact the creation of value for the buyer.

The score for a specific vehicle can be seen on the details page under cost to own.

Cars

BMW 228

BMW 228

$32,850 STARTING MSRP

BMW 230

BMW 230

$34,950 STARTING MSRP

BMW 320

BMW 320

$34,900 STARTING MSRP

BMW 328

BMW 328

$38,350 STARTING MSRP

BMW 328 Gran Turismo

BMW 328 Gran Turismo

$43,000 STARTING MSRP

BMW 328d

BMW 328d

$41,750 STARTING MSRP

BMW 330

BMW 330

$40,250 STARTING MSRP

BMW 330 Gran Turismo

BMW 330 Gran Turismo

$45,050 STARTING MSRP

BMW 330e

BMW 330e

$45,600 STARTING MSRP

BMW 335 Gran Turismo

BMW 335 Gran Turismo

$49,200 STARTING MSRP

BMW 340

BMW 340

$48,950 STARTING MSRP

BMW 340 Gran Turismo

BMW 340 Gran Turismo

$50,900 STARTING MSRP

BMW 428

BMW 428

$41,850 STARTING MSRP

BMW 428 Gran Coupe

BMW 428 Gran Coupe

$41,650 STARTING MSRP

BMW 430

BMW 430

$43,500 STARTING MSRP

BMW 430 Gran Coupe

BMW 430 Gran Coupe

$43,300 STARTING MSRP

BMW 435

BMW 435

$48,150 STARTING MSRP

BMW 435 Gran Coupe

BMW 435 Gran Coupe

$47,950 STARTING MSRP

BMW 440

BMW 440

$49,900 STARTING MSRP

BMW 440 Gran Coupe

BMW 440 Gran Coupe

$49,700 STARTING MSRP

BMW 528

BMW 528

$50,200 STARTING MSRP

BMW 530

BMW 530

$52,650 STARTING MSRP

BMW 530e

BMW 530e

$52,650 STARTING MSRP

BMW 535

BMW 535

$55,850 STARTING MSRP

BMW 535 Gran Turismo

BMW 535 Gran Turismo

$60,900 STARTING MSRP

BMW 535d

BMW 535d

$57,350 STARTING MSRP

BMW 540

BMW 540

$58,200 STARTING MSRP

BMW 540d

$62,000 STARTING MSRP

BMW 550

BMW 550

$66,300 STARTING MSRP

BMW 550 Gran Turismo

BMW 550 Gran Turismo

$72,500 STARTING MSRP

BMW 640

BMW 640

$86,700 STARTING MSRP

BMW 640 Gran Coupe

BMW 640 Gran Coupe

$81,400 STARTING MSRP

BMW 640 Gran Turismo

BMW 640 Gran Turismo

$70,200 STARTING MSRP

BMW 650

BMW 650

$98,300 STARTING MSRP

BMW 650 Gran Coupe

BMW 650 Gran Coupe

$93,000 STARTING MSRP

BMW 740

BMW 740

$83,100 STARTING MSRP

BMW 740e

BMW 740e

$90,700 STARTING MSRP

BMW 750

BMW 750

$96,400 STARTING MSRP

BMW ActiveHybrid 5

BMW ActiveHybrid 5

$62,100 STARTING MSRP

BMW M2

BMW M2

$54,500 STARTING MSRP

BMW M235

BMW M235

$44,150 STARTING MSRP

BMW M240

BMW M240

$45,450 STARTING MSRP

BMW M3

BMW M3

$66,500 STARTING MSRP

BMW M4

BMW M4

$68,700 STARTING MSRP

BMW M5

BMW M5

$102,600 STARTING MSRP

BMW M550

BMW M550

$73,900 STARTING MSRP

BMW M6

BMW M6

$122,300 STARTING MSRP

BMW M760

BMW M760

$156,700 STARTING MSRP

BMW Z4

BMW Z4

$49,700 STARTING MSRP

BMW i3

BMW i3

$44,450 STARTING MSRP

BMW i8

BMW i8

$143,400 STARTING MSRP

SUVs

BMW X1

BMW X1

$33,900 STARTING MSRP

BMW X2

BMW X2

$36,400 STARTING MSRP

BMW X3

BMW X3

$42,650 STARTING MSRP

BMW X4

BMW X4

$47,600 STARTING MSRP

BMW X5

BMW X5

$57,200 STARTING MSRP

BMW X5 M

BMW X5 M

$101,700 STARTING MSRP

BMW X5 eDrive

BMW X5 eDrive

$63,750 STARTING MSRP

BMW X6

BMW X6

$62,950 STARTING MSRP

BMW X6 M

BMW X6 M

$105,100 STARTING MSRP