BMW M550I Xdrive Auto (2021)
Estimated running costs and MOT pass rates from 263 MOT tests in 2024.
Annual Cost
£2,413
£201/month
MOT Pass Rate
91%
Excellent
Road Tax
£200
Standard rate/year
Est. Insurance
Grp 35-50
4395cc Petrol
Great Choice
91% pass rate, £2,413/year to run. 9 points above average.
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Annual Running Costs
~30 mpg
Standard rate (from April 2017)
Low estimate due to excellent reliability
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
Excellent reliability. Very few MOT failures. That's 9 points above the average of 82% across all models in our data.
91% of MOT tests on BMW M550I Xdrive Autos from 2021 ended in a pass in 2024, when they were about 3 years old. That's based on 263 tests across the UK, retests included. The average mileage recorded at those tests was 24,402 miles.
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How Does It Compare?
Mileage Analysis
24,402
Average miles
22,200
Expected for age
The average 2021 BMW M550I Xdrive Auto had 24,402 miles on the clock at its 2024 MOT, which is in line with the expected 22,200 miles for a 3-year-old car, suggesting normal everyday use.
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About the 2021 BMW M550I Xdrive Auto
The 2021 BMW M550I Xdrive Auto is a premium performance car. Our records list a 4395cc petrol engine, though engines vary between versions. 263 MOT tests were recorded on this model in 2024, making it a less common model in the UK market. Among all models from 2021, the average MOT pass rate is 92%, and this model falls short of that benchmark.
With an average of 24,402 miles recorded at its 2024 MOT tests, BMW M550I Xdrive Auto owners drive about as much as the UK average.
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 £1,958 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 2021 BMW M550I Xdrive Auto?
Total estimated annual running cost is £2,413 (£201/month), broken down as £1,958 fuel, £200 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
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.
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 estimated annual running costs, insurance group, and tax.
| Car | Pass Rate | Fuel/yr | Tax/yr | Est. Ins. Group | Total/yr |
|---|---|---|---|---|---|
| BMW M550I Xdrive Auto(2021) | 91% | £1,958 | £200 | Grp 35-50 | £2,413 |
| Mercedes C(2019) | 91% | £1,958 | £200 | Grp 35-50 | £2,413same |
| Porsche Cayenne(2019) | 95% | £1,958 | £200 | Grp 35-50 | £2,413same |
| Porsche 911(2019) | 97% | £1,958 | £200 | Grp 35-50 | £2,413same |
| Audi A6(2020) | 94% | £1,958 | £200 | Grp 35-50 | £2,413same |
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 2021 BMW M550I Xdrive Auto
Is the 2021 BMW M550I Xdrive Auto reliable?
Excellent reliability. Very few MOT failures. 91% of MOT tests on 2021 BMW M550I Xdrive Autos ended in a pass, from 263 tests (DVSA MOT data for tests in 2024, retests included). That's 9 points above the average of 82% across all models in the same data.
How much does a 2021 BMW M550I Xdrive Auto cost to run?
Our estimate is £2,413 a year (£201 a month): £1,958 fuel, £200 road tax, £55 MOT and £200 predicted repairs, based on 7,400 miles a year. Insurance is not included.
What is the MOT pass rate for a 2021 BMW M550I Xdrive Auto?
91% of 263 MOT tests on the 2021 BMW M550I Xdrive Auto ended in a pass (DVSA MOT data for tests in 2024, retests included). That ranks it 2289th of 3,336 models first registered in 2021 (bottom half).
What is the average mileage for a 2021 BMW M550I Xdrive Auto?
The average mileage recorded at MOT tests on the 2021 BMW M550I Xdrive Auto is 24,402 miles, which is in line with the expected 22,200 miles for a 3-year-old car, suggesting normal everyday use.
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