BMW M550I XDRIVE AUTO (2020)
Running costs, reliability data, and common problems from 62 real MOT tests.
Annual Cost
£2,192
£183/month
MOT Pass Rate
89%
Good
Road Tax
£195
Flat rate/year
Insurance
Grp 35-50
4395cc Petrol
Solid Option
89% pass rate, £2192/year to run. 7 points above average.
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Annual Running Costs
~30 mpg
Flat rate (post-2017)
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
Good reliability. Occasional issues but generally solid. That's 7 points above the national average of 82%.
At 6 years old, 89% of BMW M550I XDRIVE AUTOs from 2020 passed their MOT first time in 2026. That's based on 62 tests across the UK. The average mileage at this age is 31,830 miles.
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How Does It Compare?
Mileage Analysis
31,830
Average miles
44,400
Expected for age
The average 2020 BMW M550I XDRIVE AUTO has 31,830 miles on the clock, which is below the expected 44,400 miles for a 6-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 91% MOT pass rate, while the 2020 model has the lowest at 89%. Consider a different year if reliability is a priority.
Similar Cars to Consider
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About the 2020 BMW M550I XDRIVE AUTO
The 2020 BMW M550I XDRIVE AUTO is a premium performance with a 4395cc petrol engine. 62 of these vehicles were MOT tested in 2026, making it a rare model on UK roads. It sits in the bottom 80% of 2020 cars for MOT pass rates.
With an average of 31,830 miles at 6 years old, BMW M550I XDRIVE AUTO owners tend to use this car less than the typical driver.
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 £1,592 per year at current petrol prices of 142p per litre (based on 7,400 miles per year).
What does it cost to own a 2020 BMW M550I XDRIVE AUTO?
Total estimated annual running cost is £2,192 (£183/month), broken down as £1592 fuel, £195 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
Based on the 2020 BMW M550I XDRIVE AUTO's fuel type, age, and engine size, these are the most likely problem areas to check.
Timing Chain / Belt
Watch outAt 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 riskLarger 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 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 2020 BMW M550I XDRIVE AUTO stacks up against similar cars for annual running costs, insurance, and tax.
| Car | Pass Rate | Fuel/yr | Tax/yr | Insurance | Total/yr |
|---|---|---|---|---|---|
| BMW M550I XDRIVE AUTO(2020) | 89% | £1592 | £195 | Grp 35-50 | £2192 |
| MERCEDES C(2019) | 91% | £1592 | £190 | Grp 35-50 | £2037-£155 |
| PORSCHE CAYENNE(2019) | 95% | £1592 | £190 | Grp 35-50 | £2037-£155 |
| PORSCHE 911(2018) | 96% | £1592 | £190 | Grp 35-50 | £2037-£155 |
| AUDI A6(2020) | 94% | £1592 | £190 | Grp 35-50 | £2037-£155 |
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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