Owner complaints, recalls, fuel economy and safety ratings from public NHTSA and EPA data, updated Oct 17, 2026.
Fuel economy
16–25 mpgcombined; city 14–23, highway 19–28; every version of this model year
Five years of fuel
$16,100–$25,150U.S. average; Ohio $15,170–$23,700 at local prices; every version of this model year; fuel only, not other costs of owning it; 15,000 miles a year, at EIA fuel prices for the week of Oct 12, 2026
NHTSA overall safety rating
Not ratedNHTSA has no overall rating for this year
NHTSA's VIN data lists these trims for the 2020 X4. A trim's engine and numbers are shown as its own only where EPA names versions after the trim and no other version could be it; "seen with" means a source shows that engine on the trim, not that it was the only one. Recalls and complaints cover the whole model year: whether a recall applies to a car depends on its VIN, on NHTSA's recall lookup.
Owners have filed 15 complaints with NHTSA about the 2020 X4. These are unverified owner reports, counted by the part of the car they name; one complaint can name several parts. Counts aren't adjusted for how many were sold, so they don't show how reliable a car is.
Complaints by part of the car
Part
Complaints
Crashes
Fires
Injuries
Electrical system
4
0
0
0
Air bags
3
1
0
0
Suspension
3
0
0
0
Unknown or other
3
1
0
0
Seat belts
2
0
0
0
Engine
1
0
0
0
Exterior lighting
1
0
0
0
Forward collision avoidance
1
0
0
0
Lane departure
1
0
0
0
Power train
1
0
0
0
Seats
1
0
0
0
Steering
1
0
0
0
2 more parts
Structure
1
0
0
0
Wheels
1
0
0
0
Complaints by model year
Newer years have had less time to collect complaints, and counts aren't adjusted for sales, so a shorter bar doesn't mean a more reliable year.
NHTSA lists 10 recall campaigns for the 2020 X4 over its history. Campaigns are matched by model and year, so each one may apply to a given car, and its repair may already be done: check a VIN on NHTSA's recall lookup for the open recalls on that exact car.
BMW of North America, LLC (BMW) is recalling certain 2019-2021 BMW 330i, 2019-2022 BMW Z4, 2020-2022 BMW 530i, X3, X4, Toyota Supra, 2021-2022 BMW 430i, 430i Convertible, and 2022 BMW 230i vehicles. The engine starter relay may corrode, causing the relay to overheat and short circuit.
Risk: A short circuit in the starter relay may increase the risk of a fire.
Remedy: Owners are advised to park their vehicles outside and away from structures until the remedy is complete. Dealers will replace the engine starter, free of charge. Owner notification letters were mailed February 6, 2026. Owners may contact BMW customer service at 1-800-525-7417. Vehicle Identification Numbers (VINs) involved in this recall became searchable on NHTSA.gov November 14, 2025.
BMW of North America, LLC (BMW) is recalling certain 2020 M340i, M340i xDrive, 540i, 540i xDrive, X3 M40i, 2020-2021 X4 M40i, 745Le xDrive, 2019-2021 Z4 M40i, and 2020-2021 Toyota Supra vehicles. During engine start, the engine management software may cause loss of braking assist. Full mechanical braking (without assist) remains available.
Risk: Loss of braking assist can increase the risk of a crash.
Remedy: Dealers will update the engine management software, free of charge. Owner notification letters were mailed on September 17, 2021. Owners may contact BMW customer service at 1-800-525-7417.
BMW of North America, LLC (BMW) is recalling certain 2019-2021 X3 sDrive30i, X3 xDrive30i, X3 M40i, X3M, X4 xDrive30i, X4 M40i, M550i, X4M, X5 sDrive40i, X5 xDrive40i, X5 xDrive50i, X5M, X5 M50i, X7 xDrive40i, X7 xDrive50i, X7 M50i, Alpina XB7, 330i, 330i xDrive, M340i, M340i xDrive, and 8 Series Coupe, Convertible and Grand Coupe, 840i, 840i xDrive, M850i xDrive, M8, 2020-2021 530e, 530e xDrive, 330e, 330e xDrive, 745Le, 745Le xDrive, X5 xDrive45e, X3 xDrive30e, X6 sDrive40i, X6 xDrive40i, X6 xDrive50i, X6 M50i, X6M, 530i, 530i xDrive, 540i, 540i xDrive, M550i xDrive, M5, 740i, 740Li, 740Li xDrive, M760i Drive, M760Li xDrive, 750Li xDrive Alpina, Alpina B7 xDrive, and 2021 4 Series Coupe 430i, 430i xDrive, M440i xDrive vehicles. When shifting into Reverse, a small portion of the rearview image may be obscured, or the screen may not illuminate. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard (FMVSS) number 111, "Rear Visibility."
Risk: If the driver relies on only the rearview camera image, the missing or reduced rearview image view can increase the risk of a crash or injury.
Remedy: BMW will notify owners, and dealers will inspect the rearview camera software and update it if necessary, free of charge. The recall began April 16, 2021. Owners may contact BMW customer service at 1-800-525-7417.
BMW of North America, LLC (BMW) is recalling certain 2020-2021 X3 sDrive 30i, X3 xDrive 30i, X3M 40i, X3 xDrive 30e, X4 xDrive 30i, X4M 40i, 530i, 540i, 540i xDrive, M550i xDrive, M5, 550e, 550e xDrive, and 550e iPerformance vehicles. A small portion of the rearview image may be slightly obscured. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard number 111, "Rear Visibility."
Risk: If the driver relies on only the rearview camera image, the reduced rearview image view can increase the risk of a crash or injury.
Remedy: BMW will notify owners, and dealers will inspect and, if necessary, program the rearview camera with updated software. The recall began November 18, 2020. Owners may contact BMW customer service at 1-800-525-7417.
BMW of North America, LLC (BMW) is recalling certain 2019 Z4 sDrive30i, 2019-2020 330i xDrive, M340i and M340i xDrive, 2020 X3M and X4M, and Toyota Supra vehicles. In certain driving conditions, such as high temperatures and rough road surfaces, a steering gear tie rod may become damaged, possibly resulting in a fractured tie rod.
Risk: A damaged or fractured tie rod may affect vehicle handling and control, increasing the risk of a crash.
Remedy: BMW and Toyota will notify owners, and dealers will replace the steering gear tie rods, free of charge. The recall began August 14, 2020. Owners may contact BMW customer service at 1-800-525-7417 or Toyota customer service at 1-888-270-9371.
BMW of North America, LLC (BMW) is recalling certain 2020 X3 xDrive30e, X4 xDrive30i, X4 M40i, X4M, 330i, 330i xDrive, M340i, 840i Gran Coupe, 840i xDrive Gran Coupe, M850i xDrive Gran Coupe, M8 Gran Coupe, X3 sDrive30i, X3 xDrive30i, X3 M40i, X3M, and 840i xDrive Convertible vehicles. The sensors in the front seat belt buckles may inaccurately detect a belted occupant as unbelted, possibly causing the air bag and seat belt pretensioners to deploy improperly in the event of a crash.
Risk: If the air bag and/or seat belt pretensioners deploy improperly in the event of a crash, there is an increased risk of injury to the driver and front passenger.
Remedy: BMW will notify owners, and dealers will inspect and replace the front seat belt buckles, as necessary, free of charge. The recall began May 18, 2020. Owners may contact BMW customer service at 1-800-525-7417.
BMW of North America, LLC (BMW) is recalling certain 2019-2020 X4 xDrive30i and X4 M40i, and 2018-2020 X3 sDrive30i, X3 xDrive30i, X3 M40i, and X3M vehicles. The instrument panel casing may not have been tightened properly to the passenger air bag.
Risk: In the event of a crash necessitating air bag deployment, the air bag could damage the instrument panel and cause small pieces of the panel to strike the driver or other occupants, increasing the risk of injury.
Remedy: BMW will notify owners, and dealers will replace the instrument panel casing, free of charge. The recall began May 15, 2020. Owners may contact BMW customer service at 1-800-525-7417.
BMW of North America, LLC (BMW) is recalling certain 2020 BMW X3 M40i and X4 M40i vehicles. The steering rack pinion teeth may break under load, resulting in a loss of steering control.
Risk: A loss of steering control increases risk of a crash.
Remedy: BMW has notified owners, and dealers will replace the steering gear, free of charge. The recall began October 9, 2019. Owners may contact BMW customer service at 1-800-525-7417.
BMW of North America, LLC (BMW) is recalling certain 2018 540d, 2018-2020 530i, 530i xDrive, 540i, 540i xDrive, M550i xDrive, M5, 530e, 530e xDrive, X3 sDrive, X3 xDrive, X3 M40i, X3 M, and 2019-2020 X4 xDrive, X4 M40i, X4 M, X7 xDrive, X7 M50i, 740Li, 740Li xDrive, 750Li, 750Li xDrive, 8 Series Convertible and Coupe 840i, 840i xDrive, M850i xDrive, X5 sDrive, X5 xDrive, X5 M50i, X6 xDrive, X6 M50i, 330i, 330i xDrive, M340i, M340i xDrive, Z4 sDrive, Z4 M40i, 740Le xDrive and 745Le xDrive, 2018-2019 640i xDrive Gran Turismo and Rolls-Royce Phantom, 2019 M850i xDrive Gran Coupe and Rolls-Royce Cullinan and 2020 Toyota Supra vehicles. The back-up camera and display settings can be adjusted such that the rear view image is no longer visible and the system will retain that setting the next time the vehicle is placed in reverse. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard (FMVSS) number 111, "Rearview Mirrors."
Risk: The lack of an image in the back-up camera display increases the risk of a crash.
Remedy: BMW will notify owners, and dealers will update the back-up camera software, free of charge. The recall began November 8, 2019. Owners may contact BMW customer service at 1-800-525-7417 or Rolls-Royce at 1-877-877-3735. Toyota owners may contact Toyota customer service at 1-888-270-9371.
BMW of North America, LLC (BMW) is recalling certain 2020 X3 sDrive30i, X3 xDrive30i, and X3 M40i vehicles, X4 xDrive30i, and X4 M40i vehicles. The front axle swivel bearings may not have been properly heat treated during manufacturing, reducing their strength and possibly causing them to break.
Risk: Broken swivel bearings can cause a loss of vehicle control, increasing the risk of a crash.
Remedy: BMW has notified owners and instructed them to not drive their vehicles. Dealers will replace the front axle swivel bearings, free of charge. Owners may contact BMW customer service at 1-800-525-7417.
Carmakers sent NHTSA 250 service bulletins and notices that cover the 2020 X4, the latest on Aug 28, 2026. They tell dealers how to fix known issues.
The parts they mention most: equipment (83), electrical system (82), structure (28), visibility (25), engine and engine cooling (23).
NHTSA hasn't opened a defect investigation that covers this model year.
Maintenance
Oil
The owner's manual gives the oil and how often to change it. We show oil facts only once we've checked them against the manual, and we haven't yet for the 2020 X4.
EPA class: small sport utility vehicle. EPA greenhouse gas score: 2–5 out of 10. Each version EPA tested:
Swipe the table sideways for more columns.
Version
Engine
Transmission
Fuel
City / hwy / comb
X4 M All-Wheel Drive
3.0 L, 6 cyl, turbo
Automatic (S8)
Premium Gasoline
14 / 19 / 16
X4 M Competition All-Wheel Drive
3.0 L, 6 cyl, turbo
Automatic (S8)
Premium Gasoline
14 / 19 / 16
X4 M40i All-Wheel Drive
3.0 L, 6 cyl, turbo
Automatic (S8)
Premium Gasoline
21 / 27 / 23
X4 xDrive30i All-Wheel Drive
2.0 L, 4 cyl, turbo
Automatic (S8)
Premium Gasoline
23 / 28 / 25
Sources and dates
U.S. EPA fuel economy data, file of Sep 29, 2026
NHTSA owner complaints, file of Oct 17, 2026
NHTSA recalls, file of Oct 17, 2026
NHTSA manufacturer communications, file of Oct 17, 2026
NHTSA defect investigations, file of Oct 17, 2026
NHTSA 5-Star Safety Ratings, file of Aug 7, 2026
U.S. Energy Information Administration, file of Oct 12, 2026
Fuel cost: EPA mpg with fuel prices for the week of Oct 12, 2026 and electricity prices for Jul 2026. Source: U.S. Energy Information Administration (Oct 2026). Complaints are unverified reports owners filed with NHTSA. About the data