BMW X3 vs. X5 – Which Offers Better Value for Your Money?

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When it comes to choosing a premium SUV, BMWโ€™s lineup offers two standouts: the BMW X3 and the BMW X5. Both vehicles bring luxury, advanced technology, and impressive performance, but they cater to slightly different audiences.

Whether you’re considering the compact elegance of the X3 or the robust, spacious appeal of the X5, each model has its own unique value propositions.

In this comparison, weโ€™ll getย  into the BMW X3 and X5 to see which one provides the best value for your money, covering everything from performance and comfort to pricing and practicality.

Performance

BMW X3 Engine Options:

Model Engine Horsepower (hp) 0-62 mph (seconds)
Base Model 2.0L petrol 184 8.4
X3 M40i 3.0L straight-six petrol 360 4.9
X3 M Competition 3.0L straight-six 510 3.8
xDrive20d Diesel 2.0L diesel 190 ~8.0
xDrive30d Diesel 3.0L diesel 286 ~5.7
xDrive30e PHEV Hybrid 292 hp 292 6.1
iX3 (Electric) Electric Motor 286

BMW X5 Engine Options:

Model Engine Horsepower (hp) 0-62 mph (seconds)
Base Diesel 3.0L diesel 298 6.1
xDrive40d Diesel 3.0L diesel 352 ~5.4
M60i (Top Model) 4.4L twin-turbo V8 530 4.3
xDrive50e PHEV Hybrid 489 hp 489 4.8

Key Insights

  • X3’s Advantage: The X3, especially in the M Competition model, delivers high performance that rivals sports cars, making it a compact SUV with serious punch.
  • X5’s Advantage: For those looking for raw power, the X5โ€™s M60i with its 4.4-liter V8 engine and 530 hp is unmatched in the lineup, combining speed with the sturdy handling of a larger SUV.

Fuel Economy and Running Costs

Fuel economy is another critical factor, especially with SUVs. Hereโ€™s how the BMW X3 and X5 perform in terms of efficiency and expected running costs:

Model Fuel Economy (mpg) Service Costs Road Tax (UK) Insurance Group
BMW X3 24.4-26.2 avg mpg ยฃ1,000 for 4 years (Service Inclusive Plan) ยฃ600 28-50
BMW X5 20.8-42.2 avg mpg ยฃ1,000 for 4 years (Service Inclusive Plan) ยฃ590-ยฃ600 43-50

The BMW X3 generally offers better fuel economy, particularly in city settings. The plug-in hybrid xDrive30e can even achieve up to 134.5 mpg under optimal conditions.

Both models have BMWโ€™s Service Inclusive plan, which helps keep service costs predictable. However, insurance tends to be lower for the X3.

Interior and Technology

BMW consistently delivers luxury interiors, and the X3 and X5 are no exceptions. Both models come standard with premium materials, comfortable seating, and a sleek design, but the X5 takes it a step further with additional upscale features.

Interior Specifications:

Feature BMW X3 BMW X5
Standard Infotainment 12.3-inch touchscreen 12.3-inch touchscreen
Driverโ€™s Display 12.3-inch digital display 12.3-inch digital display
Optional Premium Sound Harman Kardon Bowers & Wilkins
Optional Sunroof Standard panoramic Panoramic with starlight
Seating Capacity 5 5 or 7
Boot Space 450 litres 650 litres

The X5โ€™s interior provides additional premium features, like the Bowers & Wilkins sound system and the optional starlight panoramic sunroof, which enhances the luxury experience.

The X3โ€™s interior is stylish yet practical, offering plenty of high-end touches without the heavier price tag. Itโ€™s a great blend of form and function, ideal for those who want luxury but donโ€™t need all the extras of the X5.

Driving Experience and Handling

Both the BMW X3 and X5 feature BMWโ€™s xDrive all-wheel-drive system and adaptive suspension options, making them both enjoyable to drive.

However, their size and configuration mean they have different strengths on the road.

  • BMW X3: Known for its agile handling, the X3 performs exceptionally well in urban environments. It offers sharp steering and a sportier feel, particularly with adaptive dampers that adjust between Comfort and Sport modes.
  • BMW X5: Despite being larger, the X5 is impressively nimble thanks to optional rear-wheel steering and xDrive. It absorbs bumps and handles smoothly, especially on long trips, making it ideal for families or those who drive frequently on the highway.

If you need a city-friendly SUV, the X3โ€™s compactness, nimble handling, and great visibility make it easy to park and navigate in tighter spaces.

For road trips and longer drives, the X5โ€™s spaciousness and advanced suspension system offer a superior, comfortable experience.

Practicality and Size

When it comes to space, the BMW X5 offers significantly more room, particularly in terms of passenger comfort and luggage capacity.

Dimension BMW X3 BMW X5
Length 4,708 mm 4,935 mm
Width 1,891 mm 2,004 mm
Height 1,676 mm 1,765 mm
Boot Capacity 450 litres 650 litres
Seating 5 5 or 7

Size and Storage

The X5โ€™s larger dimensions make it a better choice for those who require more passenger and cargo space. With optional third-row seating, it can accommodate up to seven people.

Compact Utility

The X3โ€™s more compact size is a benefit for urban dwellers or anyone needing an SUV thatโ€™s easy to park in tighter spaces.

Safety and Reliability

Feature BMW X3 BMW X5
Euro NCAP Rating 5 Stars 5 Stars
Standard Driver Assistance Yes Yes
Optional Safety Tech Enhanced Driving Assistance Full Driving Assistance
Warranty 3 years/unlimited mileage 3 years/unlimited mileage

Both vehicles received top scores in Euro NCAP safety tests, making them reliable choices for families.

Both models rank well for reliability according to Consumer Reports, with many buyers praising their durability and performance over time.

The X5 offers additional optional safety features for those willing to invest in full driver assistance packages.

Pricing and Value

One of the biggest differences between the BMW X3 and X5 lies in their price points. Hereโ€™s a breakdown of their used and new price ranges:

Model Year BMW X3 (Approx.) BMW X5 (Approx.)
2016 ยฃ19,500 ยฃ21,400
2020 or Newer ยฃ30,000+ ยฃ40,000+

The BMW X3 generally costs less upfront, especially in the used car market, where itโ€™s possible to find a 2016 model for under ยฃ20,000.

While the X5 is more expensive, it offers better resale value thanks to its larger size and higher demand for family-friendly SUVs.

Final Verdict: Which is the Better Value?

BMW X3 is Ideal for those who prioritize affordability, compact utility, and city-friendly driving.

Itโ€™s a fantastic option if you want a premium SUV experience without the heftier price tag.

The X3 provides good performance, solid fuel efficiency, and modern features โ€” making it an excellent choice for city dwellers and small families.

BMW X5 isย Better suited for larger families, long-distance drivers, or anyone who values space and luxury.

If you need more seating, extra storage, and a higher level of comfort, the X5 justifies its higher price tag.

Itโ€™s the SUV for those who prioritize space, luxury, and flexibility in seating, ideal for longer journeys and more rugged adventures.

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Srdjan Ilic

I am a Business Economics graduate from Singidunum University in Novi Sad, currently contributing to the bimmer-mag.com as a content creator and SEO team lead strategist. My professional journey includes a two-year period in Ocean City, USA, and extensive travels throughout Canada, experiences that have enriched my global outlook and influenced my writing style. Professionally, I am dedicated to producing engaging content and effective SEO strategies. Additionally, I am an avid enthusiast of BMW automobiles, and I'm currently planning to purchase one to further indulge in my passion for exceptional automotive engineering.