BMW X3 vs Volvo XC40 (2019) — example ownership cost comparison
This page compares the estimated total cost of ownership for a BMW X3 2019 and a Volvo XC40 2019, using two real 73 Auto example reports. It breaks the same cost categories — depreciation, fuel/energy, insurance, servicing, tax and more — down side by side, so you can see exactly where the two figures agree or diverge. An illustrative side-by-side comparison of two real 73 Auto example scenarios — a 2019 BMW X3 diesel and a 2019 Volvo XC40 petrol — showing how the same cost categories are broken down and compared. This is not a market-wide claim that one model is cheaper than the other; the two examples differ in fuel type.
BMW X3 2019
£6,407
per year, this example
£534 per month
Volvo XC40 2019
£5,809
per year, this example
£484 per month
Difference: £598 per year (£50 per month) — BMW X3 2019 costs 10.3% more than Volvo XC40 2019.
Which costs less to own?
Volvo XC40 2019 is estimated to cost less to own than BMW X3 2019 in these two examples, by £598 per year — 9.3% less than BMW X3 2019.
Category comparison
| Category | BMW X3 2019 | Volvo XC40 2019 | Difference |
|---|---|---|---|
| Depreciation | £1,690(26%) | £1,401(24%) | £289 |
| Fuel / Energy | £1,084(17%) | £1,002(17%) | £82 |
| Insurance | £750(12%) | £690(12%) | £60 |
| Service & MOT | £1,006(16%) | £1,006(17%) | £0 |
| Maintenance & Repairs | £572(9%) | £522(9%) | £50 |
| Urban Costs (CC / ULEZ / Parking) | £240(4%) | £240(4%) | £0 |
| VED / Road Tax | £180(3%) | £180(3%) | £0 |
| Tyres | £135(2%) | £135(2%) | £0 |
| Roadside Assistance | £130(2%) | £130(2%) | £0 |
| Finance / Leasing | £620(10%) | £504(9%) | £116 |
| Total per year | £6,407 | £5,809 | £598 |
Figures shown are each category's annual cost as printed in the source report. A percentage in brackets is that category's share of the vehicle's own total, only where the source report states one.
What the numbers show
- Volvo XC40 2019 has the lower estimated annual ownership cost in these two example reports, at £5,809 per year versus £6,407 for BMW X3 2019, a difference of £598 per year. BMW X3 2019 costs 10.3% more than Volvo XC40 2019.
- The largest category difference is depreciation: £1,690 for BMW X3 2019 versus £1,401 for Volvo XC40 2019, a difference of £289 per year.
- Service & MOT is identical between the two vehicles in these examples, at £1,006 per year for both BMW X3 2019 and Volvo XC40 2019.
- Combined depreciation and finance/leasing cost £1,905 per year for Volvo XC40 2019, versus £2,310 per year for BMW X3 2019, in these examples.
- Volvo XC40 2019 has the lower estimated fuel/energy cost in these examples, at £1,002 per year versus £1,084 per year for BMW X3 2019.