BMW 320i Sport cost to own in the UK — the true 5-year total
The BMW 320i Sport starts at £41,945. Over 5 years, owning one (petrol car) costs about £47,626 in the UK as of August 6, 2026 — £794/month, £0.79/mile — including depreciation, fuel, maintenance, insurance, financing and VED.
BMW 320i Sport incentives & grants
UK Electric Car Grant: up to £3,750 off the price of an eligible new EV (RRP ≤ £37,000, applied by the dealer). Shown for reference; not included in the totals above. Source: GOV.UK Electric Car Grant.
BMW 320i Sport · UK · 5-year estimate£47,626 total · £794/mo · £0.79/mi
Where the money goes
| Cost component | Petrol · BMW 320i Sport |
|---|---|
| Depreciation (estimated) | £23,070 (48%) |
| Charging / fuel | £9,767 (21%) |
| ↳ of which charging loss | — |
| Maintenance | £2,250 (5%) |
| Insurance | £2,455 (5%) |
| Financing interest | £7,324 (15%) |
| Registration & fees | £2,760 (6%) |
| Total cost of ownership | £47,626 |
BMW 320i Sport specs & assumptions
- Starting price (RRP)
- £41,945manufacturer
- Powertrain
- Petrol
- Efficiency
- 42.8 mpgWLTP
- UK electricity
- 26.11p/kWhOfgem
- Annual miles (assumed)
- 12,000UK average
Compare the BMW 320i Sport against any car, your mileage & your scenario
What the numbers say
The BMW 320i Sport costs about £47,626 to own over 5 years in the UK — £794/month, £0.79/mi at 12,000 mi/yr — and depreciation is the biggest line: £23,070, 48% of the total (as of August 6, 2026).
- Where the BMW 320i Sport's £47,626 actually goes: depreciation £23,070 (48%), petrol £9,767 (21%), financing interest £7,324 (15%), registration & fees £2,760 (6%), insurance £2,455 (5%), maintenance £2,250 (5%).
- Per mile, that is £0.38 of depreciation and £0.16 of petrol, with £0.25 for everything else — £0.79/mile all-in.
- Petrol vs the fleet: the BMW 320i Sport's 5-year petrol bill (£9,767) runs £1,473 above the £8,294 median of the 26 petrol and hybrid models we price at the same rates.
What we assume for maintenance
Assumed £450/yr for a petrol car at 12,000 mi/yr — about £2,250 of the 5-year total above. On this market's assumptions an EV runs about £150/yr less in maintenance than a petrol car (£300 vs £450). See the methodology for sources; adjustable in the calculator.