Safety and driver assistance
5 airbags- ADAS features like adaptive cruise control, lane assist, and autonomous emergency braking enhance safety and convenience, making long drives less taxing.
BMW · 2025 model year
BMW XM Price Philippines 2026
₱18,890,000
Luzon SRP, checked November 3, 2026 against two independent price listings that agree. 1 variant.
- Fuel
- Gasoline
- Transmission
- Automatic
- Toll class
- Class 1
By Aditya AmanPublished Jan 15, 2025Updated Nov 3, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.BMW XM price in the Philippines 2026
All 1 variant, cheapest first, with the SRP and the monthly payment.
| Variant | Price | Monthly |
|---|---|---|
| XM 4.4LAT · Gasoline | ₱18,890,000 | ₱316,848 |
Monthly: 20% down, 60 months at UnionBank's published brand-new rate. Change the bank, down payment or term.
Luzon SRP from two independent price listings that agree, checked November 3, 2026. Dealers change prices with promos and stock, so confirm before you buy.
BMW XM monthly payment and down payment
Pick a variant, a bank, a down payment and a term. Rates from our dated bank table are applied, with calculation assumptions shown below (rates checked September 27, 2026); dealer promos are not included.
Monthly payment
₱316,848
for 60 months at UnionBank
- Down payment (20%)
- ₱3,778,000
- Amount borrowed
- ₱15,112,000
- Interest over the loan
- ₱3,898,896
- Total you pay
- ₱22,788,896
UnionBank's published add-on rate for a brand-new car. The bank confirms the final rate after it approves you.
Compare every bank side by sideInsurance quote
₱295,747 to ₱887,240 a year
Comprehensive cover for the XM 4.4L: own damage and theft at 1.25% to 3.75% of the price (Insurance Commission motor tariff, private car), with stamp tax, VAT and local tax. Acts of nature cost extra; the insurer's quote decides the premium.
Compare insurers and what each coversDealer quote
The XM 4.4L at ₱18,890,000 is the list price. Ask a dealer for their cash price, current promo and a loan quote on this variant; they reply by phone or email.
Get a dealer quote for the XM 4.4LBMW XM specs: engine and dimensions
From our catalogue record, not yet checked against the brand's spec sheet.
Engine and transmission
- Engine
- 4,395 cc
- Power
- 482 hp
- Torque
- 650 Nm
- Transmission
- Automatic
- Fuel
- Gasoline
Size and weight
- Length × width × height
- 5,110 × 2,005 × 1,755 mm
- Wheelbase
- 3,105 mm
BMW XM features and driver assistance
What our catalogue lists for this model. Features can differ by variant; check the trim you want with the dealer.
- 5 airbagsSafety
- Adaptive cruise controlDriver assistance
- Cruise controlDriver assistance
- Lane keep assistDriver assistance
Still being confirmed trim by trim: automatic emergency braking. Ask the dealer which variants have them.
BMW XM fuel consumption and running cost
We do not have a sourced fuel or energy consumption figure for the XM yet, so we do not estimate its running cost.
The XM pays Class 1 tolls on every expressway. Work out the toll for your route, the fuel for your own trip, or which RFID you need.
BMW XM review: expressway driving
The short version, the facts with their sources, then the review topic by topic.
The BMW XM 2025 is a car from ₱18,890,000 with 482 hp. It lists adaptive cruise, lane keep assist.
Key facts
- 1The BMW XM costs ₱18,890,000 (XM 4.4L) in the Philippines.Source: Luzon SRP, two independent price listings that agree, checked November 3, 2026
- 2With 20% down (₱3,778,000), the XM 4.4L works out to about ₱316,848 a month over 60 months.Source: UnionBank published rate, checked September 27, 2026; other banks charge more
- 3It comes in 1 variant: XM 4.4L.Source: Expressway.ph car catalogue
- 4The engine makes 482 hp and 650 Nm from 4,395 cc.Source: Spec sheet
- 5It pays Class 1 tolls on every Philippine expressway.Source: TRB vehicle classification
Cite this page: Expressway.ph, "BMW XM 2025 price, specs and review", prices checked November 3, 2026, https://www.expressway.ph/cars/bmw/xm
Review by topic
Gearbox
AUTOMATIC- Its automatic transmission ensures smooth handling, which is ideal for the fast-paced driving on major expressways like NLEX, SLEX, and Skyway.
Comfort and refinement
- At sustained speeds of 80-100 kph, the ride is impressively smooth, with minimal cabin noise, allowing for comfortable conversations and a serene atmosphere.
- Whether navigating the Skyway Stage 3’s fast-paced stretches or the longer TPLEX routes, the XM provides a blend of power, comfort, and advanced technology that makes expressway driving a pleasure.
- With ample interior space and cutting-edge technology, the XM is tailored for families and individuals seeking comfort and style.
Engine and performance
482 hp- Its 4.4-liter engine produces 482 hp and 650 Nm of torque, propelling you effortlessly past toll plazas and merging lanes.
- Designed for the discerning commuter, this powerful vehicle features a robust 4.4-liter engine that delivers an impressive 482 hp and 650 Nm of torque.
What works
- The BMW XM delivers an impressive 482 hp, providing robust acceleration for expressway merging and overtaking.
- With a max torque of 650 Nm, the vehicle offers strong performance when navigating steep inclines often found on Philippine expressways.
- The spacious cabin can comfortably accommodate up to 5 passengers, making it suitable for family trips or group travel.
- Equipped with advanced safety features, the XM includes multiple airbags, ensuring higher safety ratings for expressway travel.
- The trunk space is generous at 570 liters, providing ample room for luggage or shopping, which is ideal for long-distance drives.
- As a luxury vehicle, the XM falls under the premium toll class, which can offer quicker access through toll plazas on busy expressways.
- The automatic transmission enhances driving comfort, allowing smooth gear changes that are particularly beneficial in heavy expressway traffic.
What to weigh
- At a price of ₱18,890,000, the BMW XM is one of the most expensive vehicles in the Philippine market, which may deter budget-conscious buyers.
- The fuel efficiency is estimated around 7 km/L, which can be costly during long drives given the high gasoline prices in the Philippines.
- The vehicle's large size may make it challenging to maneuver in congested urban areas or tight expressway exits.
- As a luxury SUV, maintenance costs can be significantly higher than average vehicles, impacting long-term ownership expenses.
- While the vehicle offers advanced technology, its complexity may require specialized service, which can be less accessible in remote areas of the Philippines.
- The XM's high ground clearance may not be ideal for all expressway conditions, particularly during heavy rains when flooding can occur.
BMW XM vs similar cars at this price
Cars priced closest to the XM's ₱18,890,000 start. Only cars whose price we have checked.
- Land Rover Range RoverFrom ₱15,490,000₱3,400,000 less
- Mercedes-Benz G-ClassFrom ₱22,990,000₱4,100,000 more
- Mercedes-Benz G-Class ElectricFrom ₱13,590,000₱5,300,000 less
- Mercedes-Benz GLS-ClassFrom ₱13,290,000₱5,600,000 less
- Chevrolet CorvetteFrom ₱12,571,888₱6,318,112 less
- Lexus LC ConvertibleFrom ₱12,368,000₱6,522,000 less
- Land Rover Defender 130From ₱12,340,000₱6,550,000 less
- Land Rover Range Rover SportFrom ₱11,990,000₱6,900,000 less
XM against its three closest rivals
The first three cars above, the ones priced nearest the XM, side by side. A dash means we hold no checked figure.
| Spec | | | | |
|---|---|---|---|---|
| Starting price | ₱18,890,000 | ₱15,490,000 | ₱22,990,000 | ₱13,590,000 |
| Engine | 4.4 L | 3.0 L | 2.9 L | Electric |
| Power | 482 hp | 454 hp | 367 hp | 579 hp |
| Torque | 650 Nm | 660 Nm | 750 Nm | 1164 Nm |
| Gearbox | AUTOMATIC | AUTOMATIC | AUTOMATIC | AUTOMATIC |
| Airbags | 5 | 6 | 5 | 5 |
| Toll class | Class 1 | Class 1 | Class 1 | Class 1 |
Ask a BMW dealer about the XM
Send your question and we pass it to a BMW dealer.
Ask a dealer about the BMW XM
Goes only to the dealer you pick. Expressway.ph does not sell cars and is not paid per sale.
Other BMW models in the Philippines
- BMW 1 Series (Three Door)Price not checked yet1 variant
- BMW 2 SeriesPrice not checked yet1 variant
- BMW 2 Series Active TourerPrice not checked yet1 variant
- BMW 2 Series CoupeFrom ₱3,690,0001 variant
- BMW 3 Series SedanFrom ₱3,590,0002 variants
- BMW 3 Series TouringFrom ₱3,890,0003 variants
- BMW 4 Series CoupeFrom ₱4,190,0001 variant
- BMW 4 Series Gran CoupeFrom ₱4,890,0001 variant
BMW XM FAQ
How much is the BMW XM 2025 in the Philippines?
The BMW XM costs ₱18,890,000 (Luzon SRP, checked November 3, 2026). Dealers adjust prices with promos and stock, so confirm the figure before you pay a reservation fee.
What is the monthly payment for the BMW XM?
For the XM 4.4L at ₱18,890,000, a 20% down payment is ₱3,778,000 and the monthly payment is about ₱316,848 over 60 months at UnionBank's published brand-new rate, the lowest in our bank table. Use the calculator on this page to change the bank, down payment and term.
How many variants does the BMW XM have?
The BMW XM 2025 comes in 1 variant: XM 4.4L. Each variant's price and loan example is listed in the price section of this page.
What toll class is the BMW XM?
The BMW XM is a Class 1 vehicle on NLEX, SLEX, Skyway, TPLEX, SCTEX, STAR, CAVITEX, CALAX and every other Philippine expressway. Use the toll calculator for the exact fee on your route.
Does the BMW XM have adaptive cruise control and safety features?
Our catalogue lists adaptive cruise control, lane keep assist for the BMW XM, with 5 airbags. Features can differ by variant, so check the trim you want with the dealer.
What is the price of the BMW XM in the Philippines?
The BMW XM is priced at ₱18,890,000.
What is the fuel efficiency of the BMW XM?
The BMW XM offers a fuel efficiency of approximately 8-10 km/L, depending on driving conditions and habits.
Is the BMW XM legal to drive on expressways in the Philippines?
Yes, the BMW XM is legal to drive on expressways, as it meets the required specifications for passenger vehicles.
Does the BMW XM come with an RFID tag?
Yes, the BMW XM can be equipped with an RFID tag for easy pass-through at toll gates, enhancing your driving convenience.
How many airbags does the BMW XM have?
The BMW XM is equipped with a total of 6 airbags, ensuring a high level of safety for all passengers.
What is the trunk space of the BMW XM?
The BMW XM offers a generous trunk space of 525 liters, providing ample room for luggage and other cargo.
What variants are available for the BMW XM in the Philippines?
Currently, the BMW XM is available in a single variant, which features a powerful 4.4L V8 engine.
What type of fuel does the BMW XM use?
The BMW XM runs on gasoline, providing a powerful performance with a maximum power output of 482 hp.
What is the maximum torque of the BMW XM?
The BMW XM boasts a maximum torque of 650 Nm, delivering impressive acceleration and responsiveness.