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I haven't had a newer 5, or even a BMW in awhile , but if it was 3 Xi wagon vs six cyl 5, I can't think of much on the 5 that would cost much more than the equivalent part on the 3, apart from maybe the rear suspension on the 5's that have typically been air self-leveling (not sure if they still have that anymore anyway) They have mostly the same drivetrains. A 535Xi vs a 328Xi might be a bit more because of the twin turbo system, but they're basically the same mechanically and just a little bigger in the wrapper. Sometimes 5er's have lower insurance rates than the 3er in the US because of the driver group that tends to flock towards the 3er. I had that 540i in college and it was cheaper to insure than a Civic - I know for sure because I had a Civic previous to the BMW and just transferred the same coverage plan over.