BMW M550I Xdrive Auto (2020)

Estimated running costs and MOT pass rates from 62 MOT tests in 2024.

Annual Cost

£2,563

£214/month

MOT Pass Rate

89%

Good

Road Tax

£200

Standard rate/year

Est. Insurance

Grp 35-50

4395cc Petrol

Solid Option

89% pass rate, £2,563/year to run. 7 points above average.

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Petrol4395cc6 years old62 tests32k miles avg

Annual Running Costs

Fuel (Petrol, 4395cc)

~30 mpg

£1,958

Road Tax

Standard rate (from April 2017)

£200

MOT Test

£55

Predicted Repairs

£350

Total per year£2,563

Per month£214/mo

Per week£49/wk

Estimates based on 7,400 miles/year (UK average), petrol at 174.57p 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

89% MOT pass rate(Good)

0%All-model avg: 82%100%

Good reliability. Occasional issues but generally solid. That's 7 points above the average of 82% across all models in our data.

89% of MOT tests on BMW M550I Xdrive Autos from 2020 ended in a pass in 2024, when they were about 4 years old. That's based on 62 tests across the UK, retests included. The average mileage recorded at those tests was 31,830 miles.

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How Does It Compare?

Rank among 2020 models2028th of 2,554(bottom 21%)

Rank among BMW models868th of 1,548(bottom half)

vs average of all models+7%(82% avg)

vs 2020 models average-3%(92% avg)

vs BMW average+1%(88% avg)

Mileage Analysis

31,830

Average miles

29,600

Expected for age

The average 2020 BMW M550I Xdrive Auto had 31,830 miles on the clock at its 2024 MOT, which is in line with the expected 29,600 miles for a 4-year-old car, suggesting normal everyday use.

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BMW M550I Xdrive Auto by Year

Year	Pass Rate	Tests	Avg Mileage
2021	91%	263	24,402 mi
2020	89%	62	31,830 mi

Similar Cars to Consider

Mercedes C

2019 · 3982cc Petrol

£2,413/year

91%

+2%

Porsche Cayenne

2019 · 3996cc Petrol

£2,413/year

95%

+6%

Porsche 911

2018 · 3996cc Petrol

£2,413/year

96%

+7%

Audi A6

2020 · 3996cc Petrol

£2,413/year

94%

+5%

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About the 2020 BMW M550I Xdrive Auto

The 2020 BMW M550I Xdrive Auto is a premium performance car. Our records list a 4395cc petrol engine, though engines vary between versions. 62 MOT tests were recorded on this model in 2024, making it a rare model on UK roads. It sits in the bottom 21% of 2020 models for MOT pass rate.

With an average of 31,830 miles recorded at its 2024 MOT tests, BMW M550I Xdrive Auto owners drive about as much as the UK average.

2020 BMW M550I Xdrive Auto Fuel Costs

The 4395cc petrol engine is on the larger side, so fuel won't be this car's strong point. Expect around 30 mpg in mixed driving, which works out to roughly £1,958 per year with petrol at 174.57p per litre (GOV.UK weekly average, week of 19 October 2026; based on 7,400 miles per year).

What does it cost to own a 2020 BMW M550I Xdrive Auto?

Total estimated annual running cost is £2,563 (£214/month), broken down as £1,958 fuel, £200 road tax, £55 MOT, and £350 predicted repairs. Repair costs are moderate, reflecting the 89% pass rate. Keeping on top of servicing will help avoid surprises.

Buying a Used 2020 BMW M550I Xdrive Auto

At 6 years old, the BMW M550I Xdrive Auto offers good value with plenty of life remaining. Most manufacturer warranties will have expired, so a pre-purchase inspection is worth the cost. Note: with only 62 tests in our data, these figures should be treated as indicative rather than definitive.

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.

Timing Chain / Belt

Watch out

At 6 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

Low risk

Larger petrol engines can develop higher oil consumption as they age. Check the oil level and look for blue smoke from the exhaust.

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 2020 BMW M550I Xdrive Auto 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 M550I Xdrive Auto(2020)	89%	£1,958	£200	Grp 35-50	£2,563
Mercedes C(2019)	91%	£1,958	£200	Grp 35-50	£2,413-£150
Porsche Cayenne(2019)	95%	£1,958	£200	Grp 35-50	£2,413-£150
Porsche 911(2018)	96%	£1,958	£200	Grp 35-50	£2,413-£150
Audi A6(2020)	94%	£1,958	£200	Grp 35-50	£2,413-£150

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 2020 BMW M550I Xdrive Auto

Is the 2020 BMW M550I Xdrive Auto reliable?

Good reliability. Occasional issues but generally solid. 89% of MOT tests on 2020 BMW M550I Xdrive Autos ended in a pass, from 62 tests (DVSA MOT data for tests in 2024, retests included). That's 7 points above the average of 82% across all models in the same data.

How much does a 2020 BMW M550I Xdrive Auto cost to run?

Our estimate is £2,563 a year (£214 a month): £1,958 fuel, £200 road tax, £55 MOT and £350 predicted repairs, based on 7,400 miles a year. Insurance is not included.

What is the MOT pass rate for a 2020 BMW M550I Xdrive Auto?

89% of 62 MOT tests on the 2020 BMW M550I Xdrive Auto ended in a pass (DVSA MOT data for tests in 2024, retests included). That ranks it 2028th of 2,554 models first registered in 2020 (bottom 21%).

What is the average mileage for a 2020 BMW M550I Xdrive Auto?

The average mileage recorded at MOT tests on the 2020 BMW M550I Xdrive Auto is 31,830 miles, which is in line with the expected 29,600 miles for a 4-year-old car, suggesting normal everyday use.