2022 BMW X3 20d MHT M Sport in Middlesbrough

What this car costs to run

Modelled over 7,100 miles a year (DfT National Travel Survey, England). Ranges, not quotes — every figure here is an estimate.

Vehicle tax (VED)£200 standard rate. If this car's list price when new (options included) was over £40,000, it pays £640 a year until it is six years old — the list price is not on the listing, so ask the dealer

£200

FuelAbout 48 mpg — the middle real-world figure for the 15 similar-sized diesel engines in Autoza's economy data, not this car's own figure — at 199.2p a litre

£1,100–£1,550

Insurance (UK average)The UK average premium actually paid for comprehensive cover, £566 in Q2 2026 (ABI) — an average across every driver, postcode and car, not a quote for this one. Yours turns on your age, postcode and record and on the car’s insurance group. A 17–20-year-old new driver typically pays more than this average: see our guide to the cheapest cars to insure as a new driver, or the ABI figures

£566

ServicingFrom a minor service (£280–£450) to a major one (£550–£950) on a BMW, from Autoza's own servicing estimates by make, not survey data. Routine servicing only — excludes repairs and tyres

£250–£950

MOT test£54.85 maximum in Great Britain — the DVSA cap, and many garages charge less — with the first test on the third anniversary of registration. DVSA: 27.51% of car and light-van MOTs in Great Britain failed their initial test in 2025/26, and repairs are extra

up to £54.85

Estimated total a yearThe rows above added up, low ends and high ends

£2,150–£3,350

Work out the vehicle tax with our car tax calculator (it opens with this car's year and fuel filled in), or put in your own mileage and prices with the running cost calculator.