BMW 520D XDRIVE M SPORT MHEV AUTO (2021)
Running costs, reliability data, and common problems from 901 real MOT tests.
Annual Cost
£1,777
£148/month
MOT Pass Rate
90%
Excellent
Road Tax
£195
Flat rate/year
Insurance
Grp 18-32
1995cc Petrol
Great Choice
90% pass rate, £1777/year to run. 8 points above average.
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Annual Running Costs
~36 mpg
Flat rate (post-2017)
Low estimate due to excellent reliability
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
Excellent reliability. Very few MOT failures. That's 8 points above the national average of 82%.
At 5 years old, 90% of BMW 520D XDRIVE M SPORT MHEV AUTOs from 2021 passed their MOT first time in 2026. That's based on 901 tests across the UK. The average mileage at this age is 31,384 miles.
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How Does It Compare?
Mileage Analysis
31,384
Average miles
37,000
Expected for age
The average 2021 BMW 520D XDRIVE M SPORT MHEV AUTO has 31,384 miles on the clock, which is in line with the expected 37,000 miles for a 5-year-old car, suggesting normal everyday use.
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Best Year to Buy?
The most reliable year is the 2019 model with a 96% MOT pass rate, while the 2021 model has the lowest at 90%. Consider a different year if reliability is a priority.
BMW 520D XDRIVE M SPORT MHEV AUTO by Year
Similar Cars to Consider
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About the 2021 BMW 520D XDRIVE M SPORT MHEV AUTO
The 2021 BMW 520D XDRIVE M SPORT MHEV AUTO is a premium with a 1995cc petrol engine. 901 of these vehicles were MOT tested in 2026, making it a less common model in the UK market. Among all cars from 2021, the average MOT pass rate is 92%, and this model falls short of that benchmark.
With an average of 31,384 miles at 5 years old, BMW 520D XDRIVE M SPORT MHEV AUTO owners drive about as much as the UK average.
2021 BMW 520D XDRIVE M SPORT MHEV AUTO Fuel Costs
The 1995cc petrol engine offers a reasonable balance between performance and economy. Expect around 36 mpg in mixed driving, which works out to roughly £1,327 per year at current petrol prices of 142p per litre (based on 7,400 miles per year).
What does it cost to own a 2021 BMW 520D XDRIVE M SPORT MHEV AUTO?
Total estimated annual running cost is £1,777 (£148/month), broken down as £1327 fuel, £195 road tax, £55 MOT, and £200 predicted repairs. The low repair estimate reflects the excellent 90% pass rate. These cars rarely fail their MOT, so unexpected bills are less likely.
BMW 520D XDRIVE M SPORT MHEV AUTO Reliability Trend
The BMW 520D XDRIVE M SPORT MHEV AUTO has maintained consistent MOT pass rates across model years, varying by only 3 percentage points.
Buying a Used 2021 BMW 520D XDRIVE M SPORT MHEV AUTO
At 5 years old, the BMW 520D XDRIVE M SPORT MHEV AUTO offers good value with plenty of life remaining. Most manufacturer warranties will have expired, so a pre-purchase inspection is worth the cost.
Common Issues to Watch For
Based on the 2021 BMW 520D XDRIVE M SPORT MHEV AUTO's fuel type, age, and engine size, these are the most likely problem areas to check.
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 2021 BMW 520D XDRIVE M SPORT MHEV AUTO stacks up against similar cars for annual running costs, insurance, and tax.
| Car | Pass Rate | Fuel/yr | Tax/yr | Insurance | Total/yr |
|---|---|---|---|---|---|
| BMW 520D XDRIVE M SPORT MHEV AUTO(2021) | 90% | £1327 | £195 | Grp 18-32 | £1777 |
| LAND ROVER DISCOVERY SPORT R-DYN SE D A(2020) | 90% | £1327 | £190 | Grp 18-32 | £1772-£5 |
| BMW 520D M SPORT MHEV AUTO(2021) | 89% | £1327 | £190 | Grp 18-32 | £1922+£145 |
| BMW 320D M SPORT MHEV AUTO(2021) | 91% | £1327 | £190 | Grp 18-32 | £1772-£5 |
| VOLVO XC90 R-DESIGN B5 MHEV AWD AUTO(2021) | 90% | £1327 | £190 | Grp 18-32 | £1772-£5 |
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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