BMW X3 M vs X5 M (F97 vs F95)

Too close to call on the Guide Score: 11 points apart, and the places each could hold overlap. Read the parts and the cost to own.

BMW F97 X3 M

66Guide Score for 2021Goodabout $3,288 a year to own

About 33rd of 69, likely 24th to 51st

BMW F95 X5 M

55Guide Score for 2023Specialistabout $4,192 a year to own

About 54th of 69, likely 36th to 62nd

The seven parts and acclaim, side by side, each with its share of that car’s score
PartF97 X3 MF95 X5 M
Heritage15 counts 14 of 10011 counts 14 of 100
Engine62 counts 14 of 10053 counts 14 of 100
Drive feel60 counts 19 of 10062 counts 19 of 100
Analog connection75 counts 9 of 10064 counts 10 of 100
Weight46 counts 9 of 10019 counts 10 of 100
Long-term valuenot measurednot measured
Ownership68 counts 20 of 10061 counts 19 of 100
Acclaim20 counts 14 of 10029 counts 14 of 100
Chance of a bill over $10,000 in five yearsunder 0.1%under 0.1%
Cost to own a year$3,288 ($1,924 to $5,048)$4,192 ($2,528 to $6,342)
The bills that decide itRear differential mounting bolt; Coolant leaks (S58); Carbon buildup on the intake valves (S58)Oil and coolant leaks around the hot vee; Leaking coolant expansion tank (S63, 2020 to 2023 cars); Carbon buildup on the intake valves

Guide Score method v5-final.14; each score is shown with its cost to own (about $3,288 a year to own and about $4,192 a year to own at each best year). How it works.