How much does a 2004 BMW 320 cost to run?

Estimated annual running cost is £1,707 (£142/month), including £1037 fuel, £265 road tax, £55 MOT, and £350 predicted repairs.

What is the MOT pass rate for a 2004 BMW 320?

The 2004 BMW 320 has a 82% MOT pass rate based on 49 tests in 2026. This ranks 106 out of 491 cars from 2004.

Which year BMW 320 is most reliable?

The 2022 BMW 320 has the highest MOT pass rate at 97%. The least reliable year is 2005 at 73%.

What is the average mileage for a 2004 BMW 320?

The average mileage for a 2004 BMW 320 is 131,336 miles, which is in line with the expected 162,800 miles for a 22-year-old car, suggesting normal everyday use.

BMW 320 (2004)

Q: Is the 2004 BMW 320 reliable?

Good reliability. Occasional issues but generally solid. 82% of BMW 320s from 2004 passed their MOT first time in 2026, based on 49 tests. That's 0 points above the national average of 82%.

Running costs, reliability data, and common problems from 49 real MOT tests.

Annual Cost

£1,707

£142/month

MOT Pass Rate

82%

Good

Road Tax

£265

Based on CC/year

Insurance

Grp 18-32

1998cc Diesel

Solid Option

82% pass rate, £1707/year to run. Close to the national average.

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Diesel1998cc22 years old49 tests131k miles avg

Annual Running Costs

Fuel (Diesel, 1998cc)

~48 mpg

£1,037

Road Tax

Based on 1998cc

£265

MOT Test

£55

Predicted Repairs

£350

Total per year£1,707

Per month£142/mo

Per week£33/wk

Based on 7,400 miles/year (UK average), current fuel prices, and repair likelihood from MOT data. Insurance not included.

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Reliability Verdict

82% MOT pass rate(Good)

0%National avg: 82%100%

Good reliability. Occasional issues but generally solid. That's close to the national average of 82%. It falls below the BMW brand average of 88%.

At 22 years old, 82% of BMW 320s from 2004 passed their MOT first time in 2026. That's based on 49 tests across the UK. The average mileage at this age is 131,336 miles.

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How Does It Compare?

Rank among 2004 cars106th of 491(top 22%)

Rank among BMW models1287th of 1,564(top 82%)

vs national average+0%(82% avg)

vs 2004 cars average+10%(72% avg)

vs BMW average-6%(88% avg)

Mileage Analysis

131,336

Average miles

162,800

Expected for age

The average 2004 BMW 320 has 131,336 miles on the clock, which is in line with the expected 162,800 miles for a 22-year-old car, suggesting normal everyday use.

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Best Year to Buy?

The most reliable year is the 2022 model with a 97% MOT pass rate, while the 2005 model has the lowest at 73%. The 2004 sits between the two at 82%.

BMW 320 by Year

Year	Pass Rate	Tests	Avg Mileage
2022	97%	61	22,624 mi
2021	92%	2,533	29,483 mi
2020	92%	9,105	34,897 mi
2019	92%	14,440	42,764 mi
2018	91%	17,053	59,320 mi
2017	90%	26,367	71,271 mi
2016	90%	6,365	78,781 mi
2015	90%	555	79,550 mi
2014	85%	441	82,085 mi
2013	89%	611	77,974 mi
2012	83%	409	87,516 mi
2011	87%	260	84,622 mi
2010	86%	291	91,150 mi
2009	81%	162	104,384 mi
2008	84%	177	101,514 mi
2007	79%	167	121,206 mi
2006	74%	145	143,980 mi
2005	73%	63	128,780 mi
2004	82%	49	131,336 mi
2003	77%	30	119,901 mi
1990	86%	35	111,395 mi

Similar Cars to Consider

VOLKSWAGEN GOLF

2006 · 1896cc Diesel

£1,727/year

72%

-10%

VAUXHALL ASTRA

2005 · 1598cc Diesel

£1,795/year

69%

-13%

HONDA CIVIC

2006 · 2204cc Diesel

£2,050/year

71%

-11%

AUDI A3

2006 · 1595cc Diesel

£1,595/year

73%

-9%

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About the 2004 BMW 320

The 2004 BMW 320 is a premium with a 1998cc diesel engine. 49 of these vehicles were MOT tested in 2026, making it a rare model on UK roads. It ranks in the top 22% of all 2004 cars for reliability.

With an average of 131,336 miles at 22 years old, BMW 320 owners drive about as much as the UK average.

2004 BMW 320 Fuel Costs

The 1998cc diesel engine offers a reasonable balance between performance and economy. Expect around 48 mpg in mixed driving, which works out to roughly £1,037 per year at current diesel prices of 148p per litre (based on 7,400 miles per year). Diesel cars of this age should have their DPF (diesel particulate filter) checked, as replacements can be costly.

What does it cost to own a 2004 BMW 320?

Total estimated annual running cost is £1,707 (£142/month), broken down as £1037 fuel, £265 road tax, £55 MOT, and £350 predicted repairs. Repair costs are moderate, reflecting the 82% pass rate. Keeping on top of servicing will help avoid surprises.

BMW 320 Reliability Trend

Newer BMW 320s show better MOT pass rates than older ones, with an average improvement of 9 percentage points.

Buying a Used 2004 BMW 320

At 22 years old, the BMW 320 is firmly in budget territory. Purchase prices are low, but check for rust, worn suspension bushes, and electrical gremlins. A full service history is especially valuable at this age. If you're flexible on year, the 2022 model has the highest pass rate at 97%. Note: with only 49 tests in our data, these figures should be treated as indicative rather than definitive.

Common Issues to Watch For

Based on the 2004 BMW 320's fuel type, age, and engine size, these are the most likely problem areas to check.

DPF (Diesel Particulate Filter)

Watch out

Short journeys clog the DPF. Replacement costs £1,000-£2,500. Check the DPF warning light and ask about driving patterns.

Turbo Wear

Watch out

Diesel turbos work harder and wear faster. Listen for whining noises and check for oil leaks around the turbo housing.

EGR Valve

Watch out

Exhaust Gas Recirculation valves clog with carbon deposits, causing rough running and poor economy. Cleaning costs £150-£300, replacement £300-£600.

Rust and Corrosion

Watch out

At 10+ years, check wheel arches, sills, subframe, and brake lines for rust. Structural corrosion is an MOT failure. Prevention is far cheaper than repair.

Suspension Bushings

Watch out

Rubber suspension bushes harden and crack with age, causing knocking noises and vague handling. A full refresh costs £300-£800 depending on the car.

Clutch Wear

Watch out

With an average of 131k miles, clutch replacement may be due (typical lifespan 60,000-100,000 miles). Budget £400-£800 for a new clutch kit.

Brake Discs and Pads

Medium risk

High-mileage cars often need brake disc replacement, not just pads. A full set of discs and pads costs £200-£500 per axle.

Engine Mounts

Medium risk

Worn engine mounts cause excessive vibration and movement. Replacement costs £150-£400 per mount. Check for vibration at idle with the bonnet open.

Service History

Low risk

Always request a full service history. Regular servicing is the single best indicator of how well a car has been maintained, regardless of mileage.

Running Costs Compared

How the 2004 BMW 320 stacks up against similar cars for annual running costs, insurance, and tax.

Car	Pass Rate	Fuel/yr	Tax/yr	Insurance	Total/yr
BMW 320(2004)	82%	£1037	£265	Grp 18-32	£1707
VOLKSWAGEN GOLF(2006)	72%	£1037	£135	Grp 18-32	£1727+£20
VAUXHALL ASTRA(2005)	69%	£905	£135	Grp 12-25	£1795+£88
HONDA CIVIC(2006)	71%	£1245	£250	Grp 25-38	£2050+£343
AUDI A3(2006)	73%	£905	£135	Grp 12-25	£1595-£112

Estimates based on 7,400 miles/year, current fuel prices, and MOT data. Insurance groups are indicative. Actual costs vary by driver, location, and usage.