BMW M550I XDRIVE AUTO (2021)
Running costs, reliability data, and common problems from 263 real MOT tests.
Annual Cost
£2,042
£170/month
MOT Pass Rate
91%
Excellent
Road Tax
£195
Flat rate/year
Insurance
Grp 35-50
4395cc Petrol
Great Choice
91% pass rate, £2042/year to run. 9 points above average.
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Annual Running Costs
~30 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 9 points above the national average of 82%.
At 5 years old, 91% of BMW M550I XDRIVE AUTOs from 2021 passed their MOT first time in 2026. That's based on 263 tests across the UK. The average mileage at this age is 24,402 miles.
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How Does It Compare?
Mileage Analysis
24,402
Average miles
37,000
Expected for age
The average 2021 BMW M550I XDRIVE AUTO has 24,402 miles on the clock, which is below the expected 37,000 miles for a 5-year-old car. This suggests lighter use than average, which generally means less wear on major components.
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About the 2021 BMW M550I XDRIVE AUTO
The 2021 BMW M550I XDRIVE AUTO is a premium performance with a 4395cc petrol engine. 263 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 24,402 miles at 5 years old, BMW M550I XDRIVE AUTO owners tend to use this car less than the typical driver.
2021 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 2021 BMW M550I XDRIVE AUTO?
Total estimated annual running cost is £2,042 (£170/month), broken down as £1592 fuel, £195 road tax, £55 MOT, and £200 predicted repairs. The low repair estimate reflects the excellent 91% pass rate. These cars rarely fail their MOT, so unexpected bills are less likely.
Buying a Used 2021 BMW M550I XDRIVE AUTO
At 5 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.
Common Issues to Watch For
Based on the 2021 BMW M550I XDRIVE AUTO's fuel type, age, and engine size, these are the most likely problem areas to check.
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 2021 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(2021) | 91% | £1592 | £195 | Grp 35-50 | £2042 |
| MERCEDES C(2019) | 91% | £1592 | £190 | Grp 35-50 | £2037-£5 |
| PORSCHE CAYENNE(2019) | 95% | £1592 | £190 | Grp 35-50 | £2037-£5 |
| PORSCHE 911(2019) | 97% | £1592 | £190 | Grp 35-50 | £2037-£5 |
| AUDI A6(2020) | 94% | £1592 | £190 | Grp 35-50 | £2037-£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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