Which M should I buy?

Pick what the car is for, your budget and how much repair risk you can live with. You get the three cars that fit best on that list, each with its cost to own a year and its chance of a big bill.

Your shortlist: performance suv, under $50,000, low risk

  1. BMW G01 X3 M40i

    2nd of 12 on the performance suv list, likely 1st to 4th

    62Guide Score for 2021Goodabout $2,347 a year to own
    Why it fits
    It scores 99 for this purpose, 2nd of 12; its strongest parts are ownership (69) and analog connection (64). Best year to buy: 2021.
    Cost to own
    About $2,347 a year ($1,453 to $3,567)
    Chance of a bill over $10,000 in five years
    under 0.1%
    Typical price
    About $32,683, the middle of 11 permitted prices ($24,500 to $53,791)
  2. BMW F97 X3 M

    3rd of 12 on the performance suv list, likely 2nd to 4th

    66Guide Score for 2021Goodabout $3,288 a year to own
    Why it fits
    It scores 99 for this purpose, 3rd of 12; its strongest parts are analog connection (75) and ownership (68). Best year to buy: 2021.
    Cost to own
    About $3,288 a year ($1,924 to $5,048)
    Chance of a bill over $10,000 in five years
    under 0.1%
    Typical price
    About $48,498, the middle of 5 permitted prices ($39,572 to $68,900)
  3. BMW U11 X1 M35i

    11th of 12 on the performance suv list, likely 9th to 12th

    47Guide Score for 2025Not for most buyersabout $2,003 a year to own
    Why it fits
    It scores 61 for this purpose, 11th of 12; its strongest parts are weight (74) and ownership (58). Best year to buy: 2025.
    Cost to own
    About $2,003 a year ($1,303 to $2,945)
    Chance of a bill over $10,000 in five years
    under 0.1%
    Typical price
    About $40,230, the middle of 4 permitted prices ($35,291 to $45,110)

Of the 12 cars on this list, left out: 3 with no permitted price yet, 6 whose typical price is over $50,000.

See the whole performance suv list

Where the prices come from

The typical price is the middle of the asking and sold prices we recorded from sources whose terms allow this use (bonhams.com, classiccars.com, driveway.com, enthusiastauto.com), read October 27, 2026 to October 28, 2026, with 11 auction results sold between 2015 and 2023. A car fits a budget when its typical price is at or under it. 43 of the 69 generations have 3 or more such prices; a car with fewer shows “no permitted price yet” and is left out once you set a budget. Asking prices sit above what cars sell for, so treat a car near your line as a stretch.

Each list is ordered by the Guide Score’s parts weighted for that purpose (method v5-final.14), so a car can lead a list with a lower overall Guide Score; the score shown beside each car is its overall one. It is an editorial score, built only from permitted, sourced data. The cost to own is for a car bought at five years old, or its own age if older, kept five years. How it works.