Costs and real consumption: BMW 520d Touring

The BMW 520d Touring, which costs 62,850 euros, comes up for a consumption check.

Adaptive chassis, 18-incher with sports tires, integral rear-axle steering, rear air suspension - everything installed. And yet the five drives very humorless, more like a comfortable E-Class. He calmly implements steering commands, follows the given line precisely and stoically, while the ESP carefully regulates brisk maneuvers. Equally reliable: the high suspension comfort. Small bumps get through, but otherwise, depending on the driving mode, hardly a wave disturbs him.

The only disadvantage: it builds up more body roll on winding roads and feels bulkier than it actually is. All in all, the BMW presents itself as a very safe and harmoniously tuned station wagon, which may be too well-behaved for some five-series fans. But what about the fuel and maintenance costs?

Our test consumption

BMW specifies a WLTP standard consumption of 5.5 liters of diesel for the 520d Touring. He distances himself from this value in everyday life; we have determined an average consumption of 7.0 liters, which causes fuel costs of 14.00 euros per 100 kilometers. On the Eco lap, the BMW consumes just 5.0 liters, while it allows itself 7.0 liters on the commuter route. If the BMW is moved in a sporty manner, consumption increases to 8.7 liters. The fuel costs are calculated using the daily updated fuel price on our partner portal (05/10/2022 /diesel: 2.00 euros/litre).

Monthly maintenance costs

If you drive as resource-efficiently as we do on our eco tour, you reduce the fuel costs for 100 kilometers to 10.00 euros. A rather violent gait results in a total of 17.40 euros. The vehicle tax costs 294 euros per year for the BMW, the liability insurance according to Allianz Direct 513 euros. Partial and fully comprehensive insurance cost an additional 206 and 690 euros respectively. Monthly maintenance costs of 339 euros are paid by those who drive the BMW 15,000 kilometers a year. If the mileage is doubled, the sum increases to 599 euros. We leave out the loss in value in this calculation.

How to test

The auto motor und sport test consumption consists of three differently weighted consumption runs. So-called “commuter consumption” accounts for 70 percent. This is a journey from home to work, which averages 21 kilometers. A particularly economical, approx. 275-kilometre-long eco-lap is included in the rating with 15 percent. The remaining 15 percent is accounted for by the sports driver lap. The length is roughly the same as the eco lap, but the route includes a larger proportion of motorway and thus higher speeds on average. The basis for calculating the fuel costs is always the price quoted on the "more tanken" portal on the day the article was created.

The monthly maintenance costs include maintenance, wear part costs and vehicle taxes assuming an annual mileage of 15,000 and 30,000 kilometers without loss of value. The calculation is based on the test consumption, a three-year holding period, insurance costs with no-claims class SF12 for liability and comprehensive insurance with Allianz including discounts for garage parkers and the restriction to certain drivers (not under 21). At Allianz, SF12 offers a discount rate of 34 percent for liability and 28 percent for comprehensive insurance.


In the auto motor und sport test consumption, the BMW 520d Touring, which costs 62,850 euros and has 190 hp, ends up with an average value of 7.0 liters of diesel per 100 kilometers. This means that the fuel costs for this distance are 14.00 euros. The monthly maintenance costs are 339 euros (15,000 km annual mileage) or 599 euros (30,000 km annual mileage).


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