BMW 520 (2000)
Running costs, reliability data, and common problems from 219 real MOT tests.
Annual Cost
£2,577
£215/month
MOT Pass Rate
78%
Average
Road Tax
£430
Based on CC/year
Insurance
Grp 25-38
2171cc Petrol
Check Carefully
78% pass rate, £2577/year to run. Close to the national average.
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Annual Running Costs
~30 mpg
Based on 2171cc
Based on 7,400 miles/year (UK average), current fuel prices, and repair likelihood from MOT data. Insurance not included.
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Reliability Verdict
Average reliability. Expect some repairs as it ages. That's close to the national average of 82%. It falls below the BMW brand average of 88%.
At 26 years old, 78% of BMW 520s from 2000 passed their MOT first time in 2026. That's based on 219 tests across the UK. The average mileage at this age is 119,331 miles.
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How Does It Compare?
Mileage Analysis
119,331
Average miles
192,400
Expected for age
The average 2000 BMW 520 has 119,331 miles on the clock, which is below the expected 192,400 miles for a 26-year-old car. This suggests lighter use than average, which generally means less wear on major components.
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Best Year to Buy?
The most reliable year is the 2021 model with a 97% MOT pass rate, while the 1996 model has the lowest at 64%. The 2000 sits between the two at 78%.
BMW 520 by Year
| Year | Pass Rate | Tests | Avg Mileage | |
|---|---|---|---|---|
| 2021 | 97% | 61 | 21,198 mi | |
| 2020 | 91% | 153 | 37,784 mi | |
| 2019 | 93% | 260 | 53,629 mi | |
| 2018 | 89% | 408 | 59,377 mi | |
| 2017 | 90% | 3,033 | 78,699 mi | |
| 2016 | 90% | 21,858 | 88,137 mi | |
| 2015 | 89% | 22,398 | 100,237 mi | |
| 2014 | 87% | 22,280 | 111,440 mi | |
| 2013 | 86% | 13,541 | 117,221 mi | |
| 2012 | 84% | 13,792 | 126,086 mi | |
| 2011 | 82% | 15,882 | 135,205 mi | |
| 2010 | 82% | 8,647 | 137,583 mi | |
| 2009 | 81% | 8,080 | 144,392 mi | |
| 2008 | 80% | 5,590 | 153,055 mi | |
| 2007 | 79% | 6,483 | 162,310 mi | |
| 2006 | 77% | 4,128 | 171,451 mi | |
| 2005 | 72% | 1,137 | 170,402 mi | |
| 2004 | 78% | 502 | 123,517 mi | |
| 2003 | 75% | 752 | 112,691 mi | |
| 2002 | 74% | 599 | 119,674 mi | |
| 2001 | 75% | 416 | 118,034 mi | |
| 2000 | 78% | 219 | 119,331 mi | |
| 1999 | 78% | 368 | 129,821 mi | |
| 1998 | 65% | 366 | 131,359 mi | |
| 1997 | 69% | 183 | 116,662 mi | |
| 1996 | 64% | 114 | 118,652 mi | |
| 1995 | 75% | 336 | 123,709 mi | |
| 1994 | 78% | 201 | 118,772 mi | |
| 1993 | 74% | 138 | 111,214 mi | |
| 1992 | 71% | 99 | 101,159 mi | |
| 1991 | 79% | 52 | 120,049 mi |
Similar Cars to Consider
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About the 2000 BMW 520
The 2000 BMW 520 is a premium with a 2171cc petrol engine. 219 of these vehicles were MOT tested in 2026, making it a less common model in the UK market. Among all cars from 2000, the average MOT pass rate is 73%, and this model beats that benchmark.
With an average of 119,331 miles at 26 years old, BMW 520 owners tend to use this car less than the typical driver.
2000 BMW 520 Fuel Costs
The 2171cc petrol engine offers a reasonable balance between performance and economy. Expect around 30 mpg in mixed driving, which works out to roughly £1,592 per year at current petrol prices of 142p per litre (based on 7,400 miles per year).
What does it cost to own a 2000 BMW 520?
Total estimated annual running cost is £2,577 (£215/month), broken down as £1592 fuel, £430 road tax, £55 MOT, and £500 predicted repairs. Repair costs are moderate, reflecting the 78% pass rate. Keeping on top of servicing will help avoid surprises.
BMW 520 Reliability Trend
Newer BMW 520s show better MOT pass rates than older ones, with an average improvement of 12 percentage points.
Buying a Used 2000 BMW 520
At 26 years old, the BMW 520 is firmly in budget territory. Purchase prices are low, but check for rust, worn suspension bushes, and electrical gremlins. A full service history is especially valuable at this age. If you're flexible on year, the 2021 model has the highest pass rate at 97%.
Common Issues to Watch For
Based on the 2000 BMW 520's fuel type, age, and engine size, these are the most likely problem areas to check.
Timing Chain / Belt
Watch outAt 26 years old, check whether the timing belt has been replaced (typically due every 5-7 years or 60,000-100,000 miles). A snapped belt can destroy the engine.
Oil Consumption
Medium riskLarger petrol engines can develop higher oil consumption as they age. Check the oil level and look for blue smoke from the exhaust.
Rust and Corrosion
Watch outAt 10+ years, check wheel arches, sills, subframe, and brake lines for rust. Structural corrosion is an MOT failure. Prevention is far cheaper than repair.
Suspension Bushings
Watch outRubber suspension bushes harden and crack with age, causing knocking noises and vague handling. A full refresh costs £300-£800 depending on the car.
Clutch Wear
Watch outWith an average of 119k miles, clutch replacement may be due (typical lifespan 60,000-100,000 miles). Budget £400-£800 for a new clutch kit.
Brake Discs and Pads
Medium riskHigh-mileage cars often need brake disc replacement, not just pads. A full set of discs and pads costs £200-£500 per axle.
Service History
Low riskAlways 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 2000 BMW 520 stacks up against similar cars for annual running costs, insurance, and tax.
| Car | Pass Rate | Fuel/yr | Tax/yr | Insurance | Total/yr |
|---|---|---|---|---|---|
| BMW 520(2000) | 78% | £1592 | £430 | Grp 25-38 | £2577 |
| VOLKSWAGEN GOLF(1999) | 71% | £1327 | £135 | Grp 18-32 | £2017-£560 |
| AUDI TT(2002) | 73% | £1327 | £135 | Grp 18-32 | £2017-£560 |
| BMW 3 SERIES(1999) | 78% | £1592 | £250 | Grp 25-38 | £2397-£180 |
| RENAULT CLIO(2002) | 70% | £1327 | £135 | Grp 18-32 | £2017-£560 |
Estimates based on 7,400 miles/year, current fuel prices, and MOT data. Insurance groups are indicative. Actual costs vary by driver, location, and usage.
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