BMW X5 (2020)

Estimated running costs and MOT pass rates from 8,594 MOT tests in 2024.

Annual Cost

£2,131

£178/month

MOT Pass Rate

93%

Excellent

Road Tax

£200

Standard rate/year

Est. Insurance

Grp 30-42

2993cc Diesel

Great Choice

93% pass rate, £2,131/year to run. 11 points above average.

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Diesel2993cc6 years old8,594 tests38k miles avg

Annual Running Costs

Fuel (Diesel, 2993cc)

~40 mpg

£1,676

Road Tax

Standard rate (from April 2017)

£200

MOT Test

£55

Predicted Repairs

Low estimate due to excellent reliability

£200

Total per year£2,131

Per month£178/mo

Per week£41/wk

Estimates based on 7,400 miles/year (UK average), diesel at 199.33p 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

93% MOT pass rate(Excellent)

0%All-model avg: 82%100%

Excellent reliability. Very few MOT failures. That's 11 points above the average of 82% across all models in our data. It also outperforms the BMW brand average of 88%.

93% of MOT tests on BMW X5s from 2020 ended in a pass in 2024, when they were about 4 years old. That's based on 8,594 tests across the UK, retests included. The average mileage recorded at those tests was 38,415 miles.

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How Does It Compare?

Rank among 2020 models916th of 2,554(top half)

Rank among BMW models325th of 1,548(top 21%)

vs average of all models+11%(82% avg)

vs 2020 models average+1%(92% avg)

vs BMW average+5%(88% avg)

Mileage Analysis

38,415

Average miles

29,600

Expected for age

The average 2020 BMW X5 had 38,415 miles on the clock at its 2024 MOT, which is above the expected 29,600 miles for a 4-year-old car. Higher-mileage cars often have more motorway miles, which is generally less harmful than stop-start urban driving.

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BMW X5 by Year

Year	Pass Rate	Tests	Avg Mileage
2021	92%	1,968	35,223 mi
2020	93%	8,594	38,415 mi
2019	92%	23,506	47,135 mi
2018	91%	17,687	58,065 mi
2017	92%	14,511	67,347 mi
2016	92%	14,826	76,292 mi
2015	91%	17,257	86,297 mi
2014	92%	13,889	96,575 mi
2013	88%	8,346	102,589 mi
2012	86%	9,533	110,198 mi
2011	86%	9,720	115,184 mi
2010	86%	8,668	121,461 mi
2009	86%	9,917	129,547 mi
2008	84%	8,054	133,171 mi
2007	82%	8,281	137,811 mi
2006	76%	7,388	146,446 mi
2005	77%	11,188	147,753 mi
2004	77%	6,276	147,620 mi
2003	77%	3,953	143,116 mi
2002	74%	2,242	144,771 mi
2001	76%	1,085	143,091 mi
2000	80%	46	121,636 mi

Similar Cars to Consider

Mercedes E

2019 · 2925cc Diesel

£2,131/year

90%

-3%

Mercedes GLC

2018 · 2987cc Diesel

£2,131/year

91%

-2%

Ford Ranger

2019 · 3198cc Diesel

£2,281/year

87%

-6%

Land Rover Range Rover Velar

2018 · 2993cc Diesel

£2,131/year

91%

-2%

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About the 2020 BMW X5

The 2020 BMW X5 is a premium performance car. Our records list a 2993cc diesel engine, though engines vary between versions. 8,594 MOT tests were recorded on this model in 2024, making it a reasonably common sight on UK roads. Among all models from 2020, the average MOT pass rate is 92%, and this model beats that benchmark.

With an average of 38,415 miles recorded at its 2024 MOT tests, BMW X5 owners cover more miles than the average driver.

2020 BMW X5 Fuel Costs

The 2993cc diesel engine is on the larger side, so fuel won't be this car's strong point. Expect around 40 mpg in mixed driving, which works out to roughly £1,676 per year with diesel at 199.33p per litre (GOV.UK weekly average, week of 19 October 2026; based on 7,400 miles per year). Diesel cars of this age should have their DPF (diesel particulate filter) checked, as replacements can be costly.

What does it cost to own a 2020 BMW X5?

Total estimated annual running cost is £2,131 (£178/month), broken down as £1,676 fuel, £200 road tax, £55 MOT, and £200 predicted repairs. The low repair estimate reflects the excellent 93% pass rate. These cars rarely fail their MOT, so unexpected bills are less likely.

BMW X5 Reliability Trend

Newer BMW X5s pass their MOT more often than older ones, by 11 percentage points on average, which is mostly down to age and wear.

Buying a Used 2020 BMW X5

At 6 years old, the BMW X5 offers good value with plenty of life remaining. Most manufacturer warranties will have expired, so a pre-purchase inspection is worth the cost. With 8,594 MOT tests in our data, there's strong statistical confidence in these figures.

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.

DPF (Diesel Particulate Filter)

Watch out

Short journeys clog the DPF. Replacement costs £1,000-£2,500. Check the DPF warning light and ask about driving patterns.

Turbo Wear

Medium risk

Diesel turbos work harder and wear faster. Listen for whining noises and check for oil leaks around the turbo housing.

AdBlue System

Medium risk

Post-2015 diesels use AdBlue for emissions. Sensor failures and tank heater issues are common. Budget £200-£500 for repairs.

EGR Valve

Watch out

Exhaust Gas Recirculation valves clog with carbon deposits, causing rough running and poor economy. Cleaning costs £150-£300, replacement £300-£600.

Dual Mass Flywheel

Medium risk

Larger diesel engines put extra strain on the dual mass flywheel. Listen for rattling at idle. Replacement with clutch is £800-£1,500.

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 X5 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 X5(2020)	93%	£1,676	£200	Grp 30-42	£2,131
Mercedes E(2019)	90%	£1,676	£200	Grp 30-42	£2,131same
Mercedes GLC(2018)	91%	£1,676	£200	Grp 30-42	£2,131same
Ford Ranger(2019)	87%	£1,676	£200	Grp 35-50	£2,281+£150
Land Rover Range Rover Velar(2018)	91%	£1,676	£200	Grp 30-42	£2,131same

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 X5

Is the 2020 BMW X5 reliable?

Excellent reliability. Very few MOT failures. 93% of MOT tests on 2020 BMW X5s ended in a pass, from 8,594 tests (DVSA MOT data for tests in 2024, retests included). That's 11 points above the average of 82% across all models in the same data.

How much does a 2020 BMW X5 cost to run?

Our estimate is £2,131 a year (£178 a month): £1,676 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 2020 BMW X5?

93% of 8,594 MOT tests on the 2020 BMW X5 ended in a pass (DVSA MOT data for tests in 2024, retests included). That ranks it 916th of 2,554 models first registered in 2020 (top half).

Which year BMW X5 has the best MOT pass rate?

Of the years with at least 100 tests, the 2020 BMW X5 has the highest MOT pass rate at 93% and the 2002 the lowest at 74%. Newer cars usually pass more often simply because they are younger and have done fewer miles.

What is the average mileage for a 2020 BMW X5?

The average mileage recorded at MOT tests on the 2020 BMW X5 is 38,415 miles, which is above the expected 29,600 miles for a 4-year-old car. Higher-mileage cars often have more motorway miles, which is generally less harmful than stop-start urban driving.