BMW 320 (2021)

Estimated running costs and MOT pass rates from 2,533 MOT tests in 2024.

Annual Cost

£1,852

£154/month

MOT Pass Rate

92%

Excellent

Road Tax

£200

Standard rate/year

Est. Insurance

Grp 18-32

1995cc Diesel

Great Choice

92% pass rate, £1,852/year to run. 10 points above average.

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Diesel1995cc5 years old2,533 tests29k miles avg

Annual Running Costs

Fuel (Diesel, 1995cc)

~48 mpg

£1,397

Road Tax

Standard rate (from April 2017)

£200

MOT Test

£55

Predicted Repairs

Low estimate due to excellent reliability

£200

Total per year£1,852

Per month£154/mo

Per week£36/wk

Estimates based on 7,400 miles/year (UK average), diesel at 199.33p a litre (GOV.UK weekly average, week of 19 October 2026), GOV.UK road tax rates and repair likelihood from MOT data. Insurance not included. Cars registered from April 2017 pay the £200 standard rate, plus £440 a year for five years (from the second year) if they cost over £40,000 new (over £50,000 for electric cars).

Reliability Verdict

92% MOT pass rate(Excellent)

0%All-model avg: 82%100%

Excellent reliability. Very few MOT failures. That's 10 points above the average of 82% across all models in our data. It also outperforms the BMW brand average of 88%.

92% of MOT tests on BMW 320s from 2021 ended in a pass in 2024, when they were about 3 years old. That's based on 2,533 tests across the UK, retests included. The average mileage recorded at those tests was 29,483 miles.

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How Does It Compare?

Rank among 2021 models1812th of 3,336(bottom half)

Rank among BMW models462nd of 1,548(top half)

vs average of all models+10%(82% avg)

vs 2021 models average+0%(92% avg)

vs BMW average+4%(88% avg)

Mileage Analysis

29,483

Average miles

22,200

Expected for age

The average 2021 BMW 320 had 29,483 miles on the clock at its 2024 MOT, which is above the expected 22,200 miles for a 3-year-old car. Higher-mileage cars often have more motorway miles, which is generally less harmful than stop-start urban driving.

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Best Year to Buy?

Of the years with at least 100 tests, the 2019 model has the highest MOT pass rate at 92%, while the 2006 model has the lowest at 74%. The 2021 scores 92%. Newer cars usually pass more often simply because they are younger, so compare years of a similar age.

BMW 320 by Year

Year	Pass Rate	Tests	Avg Mileage
2022	97%	61	22,624 mi
2021	92%	2,533	29,483 mi
2020	92%	9,105	34,897 mi
2019	92%	14,440	42,764 mi
2018	91%	17,053	59,320 mi
2017	90%	26,367	71,271 mi
2016	90%	6,365	78,781 mi
2015	90%	555	79,550 mi
2014	85%	441	82,085 mi
2013	89%	611	77,974 mi
2012	83%	409	87,516 mi
2011	87%	260	84,622 mi
2010	86%	291	91,150 mi
2009	81%	162	104,384 mi
2008	84%	177	101,514 mi
2007	79%	167	121,206 mi
2006	74%	145	143,980 mi
2005	73%	63	128,780 mi
2004	82%	49	131,336 mi
2003	77%	30	119,901 mi
1990	86%	35	111,395 mi

Similar Cars to Consider

Ford Focus

2019 · 1499cc Diesel

£1,824/year

89%

-3%

Ford Kuga

2019 · 1997cc Diesel

£1,852/year

91%

-1%

Volkswagen Polo

2019 · 1598cc Diesel

£1,824/year

89%

-3%

Kia Sportage

2019 · 1598cc Diesel

£1,824/year

89%

-3%

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About the 2021 BMW 320

The 2021 BMW 320 is a premium car. Our records list a 1995cc diesel engine, though engines vary between versions. 2,533 MOT tests were recorded on this model in 2024, making it a reasonably common sight on UK roads. Among all models from 2021, the average MOT pass rate is 92%, and this model matches that benchmark.

With an average of 29,483 miles recorded at its 2024 MOT tests, BMW 320 owners cover more miles than the average driver.

2021 BMW 320 Fuel Costs

The 1995cc diesel engine offers a reasonable balance between performance and economy. Expect around 48 mpg in mixed driving, which works out to roughly £1,397 per year with diesel at 199.33p per litre (GOV.UK weekly average, week of 19 October 2026; based on 7,400 miles per year). Diesel cars of this age should have their DPF (diesel particulate filter) checked, as replacements can be costly.

What does it cost to own a 2021 BMW 320?

Total estimated annual running cost is £1,852 (£154/month), broken down as £1,397 fuel, £200 road tax, £55 MOT, and £200 predicted repairs. The low repair estimate reflects the excellent 92% pass rate. These cars rarely fail their MOT, so unexpected bills are less likely.

BMW 320 Reliability Trend

Newer BMW 320s pass their MOT more often than older ones, by 7 percentage points on average, which is mostly down to age and wear.

Buying a Used 2021 BMW 320

At 5 years old, the BMW 320 offers good value with plenty of life remaining. Most manufacturer warranties will have expired, so a pre-purchase inspection is worth the cost. If you're flexible on year, the 2019 model has the highest pass rate at 92%.

Common Issues to Watch For

These are typical issues for cars of this age, fuel type and engine size, not faults recorded on this model's MOT tests. Use them as a checklist when you view one.

DPF (Diesel Particulate Filter)

Watch out

Short journeys clog the DPF. Replacement costs £1,000-£2,500. Check the DPF warning light and ask about driving patterns.

Turbo Wear

Medium risk

Diesel turbos work harder and wear faster. Listen for whining noises and check for oil leaks around the turbo housing.

AdBlue System

Medium risk

Post-2015 diesels use AdBlue for emissions. Sensor failures and tank heater issues are common. Budget £200-£500 for repairs.

EGR Valve

Low risk

Exhaust Gas Recirculation valves clog with carbon deposits, causing rough running and poor economy. Cleaning costs £150-£300, replacement £300-£600.

Service History

Low risk

Always request a full service history. Regular servicing is the single best indicator of how well a car has been maintained, regardless of mileage.

Running Costs Compared

How the 2021 BMW 320 stacks up against similar cars for estimated annual running costs, insurance group, and tax.

Car	Pass Rate	Fuel/yr	Tax/yr	Est. Ins. Group	Total/yr
BMW 320(2021)	92%	£1,397	£200	Grp 18-32	£1,852
Ford Focus(2019)	89%	£1,219	£200	Grp 12-25	£1,824-£28
Ford Kuga(2019)	91%	£1,397	£200	Grp 18-32	£1,852same
Volkswagen Polo(2019)	89%	£1,219	£200	Grp 12-25	£1,824-£28
Kia Sportage(2019)	89%	£1,219	£200	Grp 12-25	£1,824-£28

Estimates based on 7,400 miles/year, GOV.UK average pump prices for the week of 19 October 2026, GOV.UK road tax rates and MOT data. Insurance groups are our rough estimate from engine size, not official groups. Actual costs vary by driver, location, and usage.

Questions about the 2021 BMW 320

Is the 2021 BMW 320 reliable?

Excellent reliability. Very few MOT failures. 92% of MOT tests on 2021 BMW 320s ended in a pass, from 2,533 tests (DVSA MOT data for tests in 2024, retests included). That's 10 points above the average of 82% across all models in the same data.

How much does a 2021 BMW 320 cost to run?

Our estimate is £1,852 a year (£154 a month): £1,397 fuel, £200 road tax, £55 MOT and £200 predicted repairs, based on 7,400 miles a year. Insurance is not included.

What is the MOT pass rate for a 2021 BMW 320?

92% of 2,533 MOT tests on the 2021 BMW 320 ended in a pass (DVSA MOT data for tests in 2024, retests included). That ranks it 1812th of 3,336 models first registered in 2021 (bottom half).

Which year BMW 320 has the best MOT pass rate?

Of the years with at least 100 tests, the 2019 BMW 320 has the highest MOT pass rate at 92% and the 2006 the lowest at 74%. Newer cars usually pass more often simply because they are younger and have done fewer miles.

What is the average mileage for a 2021 BMW 320?

The average mileage recorded at MOT tests on the 2021 BMW 320 is 29,483 miles, which is above the expected 22,200 miles for a 3-year-old car. Higher-mileage cars often have more motorway miles, which is generally less harmful than stop-start urban driving.