BMW X4 (2021)
Running costs, reliability data, and common problems from 251 real MOT tests.
Annual Cost
£2,042
£170/month
MOT Pass Rate
94%
Excellent
Road Tax
£195
Flat rate/year
Insurance
Grp 30-42
2998cc Petrol
Great Choice
94% pass rate, £2042/year to run. 12 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 12 points above the national average of 82%. It also outperforms the BMW brand average of 88%.
At 5 years old, 94% of BMW X4s from 2021 passed their MOT first time in 2026. That's based on 251 tests across the UK. The average mileage at this age is 27,663 miles.
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Mileage Analysis
27,663
Average miles
37,000
Expected for age
The average 2021 BMW X4 has 27,663 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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Best Year to Buy?
The most reliable year is the 2020 model with a 94% MOT pass rate, while the 2015 model has the lowest at 88%. The 2021 sits between the two at 94%.
BMW X4 by Year
Similar Cars to Consider
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About the 2021 BMW X4
The 2021 BMW X4 is a premium performance with a 2998cc petrol engine. 251 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 beats that benchmark.
With an average of 27,663 miles at 5 years old, BMW X4 owners tend to use this car less than the typical driver.
2021 BMW X4 Fuel Costs
The 2998cc 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 X4?
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 94% pass rate. These cars rarely fail their MOT, so unexpected bills are less likely.
BMW X4 Reliability Trend
Newer BMW X4s show better MOT pass rates than older ones, with an average improvement of 5 percentage points.
Buying a Used 2021 BMW X4
At 5 years old, the BMW X4 offers good value with plenty of life remaining. Most manufacturer warranties will have expired, so a pre-purchase inspection is worth the cost. If you're flexible on year, the 2020 model has the highest pass rate at 94%.
Common Issues to Watch For
Based on the 2021 BMW X4'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 X4 stacks up against similar cars for annual running costs, insurance, and tax.
| Car | Pass Rate | Fuel/yr | Tax/yr | Insurance | Total/yr |
|---|---|---|---|---|---|
| BMW X4(2021) | 94% | £1592 | £195 | Grp 30-42 | £2042 |
| BMW 5 SERIES(2019) | 92% | £1592 | £190 | Grp 30-42 | £2037-£5 |
| BMW X3(2019) | 92% | £1592 | £190 | Grp 30-42 | £2037-£5 |
| MERCEDES GLC(2019) | 93% | £1592 | £190 | Grp 30-42 | £2037-£5 |
| BMW X5(2019) | 92% | £1592 | £190 | Grp 30-42 | £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.
Related Bmw Models
Explore other Bmw cars or similar models in the same category.
BMW 3 SERIES
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BMW 5 SERIES
2018 · 2998cc Petrol
BMW 116
2014 · 1995cc Diesel
BMW 5 SERIES
2019 · 2998cc Petrol
BMW X3
2019 · 2998cc Petrol
MERCEDES GLC
2019 · 2996cc Petrol
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