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On our X5, we are doing around 13000km a year. We paid roughly 10k more than an equivalent X5 40i, and majority of our mileage is done in EV mode. We were filling around 2-3 tanks of gas a month in our X3 @ ~$110-120 per tank, we are putting in around $50 of electricity a month right now and around $50 of gas every 2-3 months.
Here's the math-y bit.
We got around 400-450km/ tank in the X3, X5 would probably a bit less efficient, but gas prices have dropped a bit since, so let's say 400km/$110 otherwise, and we'll round down.
13000/400 = 32.5, so we'll do 32 for a nice even number.
32 tanks x $110 = $3520 per year in fuel for a X5 40i.
I've put in gas like 5 times after owning the car for 15 months but it came with a full tank to start, so let's say 5 fillups of $50 every year.
5x $50 = $250
$50 of electricity/m
12x $50 = $600
The cost of running a X5 PHEV for us is around $850/y
Quite frankly I don't think the X5 PHEV vs regular X5 insurance carries a huge difference as we are paying $2500/y on the X5. Dark has an aneurysm everytime I talk to him about insurance because Tesla insurance costs are unusually high. It's roughly inline with my M3 at $2200/y with the X5 edging my M3 in MSRP and likely repair costs as well.
At the end of the day, comparing a regular gasser X5 vs my PHEV, I'm saving almost $3k a year in fuel for $10k more in buy in price. Then comes the other intangibles such as being able to run AC/heat with the car off, which also means I can precondition the car before I get in. IMO the drivability of the car in city traffic is just better with the electric motor with instant response off the line, that's something electrified drivetrains will have over an ICE only drivetrain.
I'll still have M3 when I want to have fun, and I'll most likely always have a fun gas car but the majority of our mileage goes on the X5.
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