How much does a 2004 BMW 645 cost to run?

Estimated annual running cost is £2,757 (£230/month), including £1592 fuel, £760 road tax, £55 MOT, and £350 predicted repairs.

What is the MOT pass rate for a 2004 BMW 645?

The 2004 BMW 645 has a 83% MOT pass rate based on 2,538 tests in 2026. This ranks 89 out of 491 cars from 2004.

Which year BMW 645 is most reliable?

The 2005 BMW 645 has the highest MOT pass rate at 86%. The least reliable year is 2004 at 83%.

BMW 645 (2004)

Q: Is the 2004 BMW 645 reliable?

Good reliability. Occasional issues but generally solid. 83% of BMW 645s from 2004 passed their MOT first time in 2026, based on 2,538 tests. That's 1 points above the national average of 82%.

Q: What is the average mileage for a 2004 BMW 645?

The average mileage for a 2004 BMW 645 is 105,730 miles, which is below the expected 162,800 miles for a 22-year-old car. This suggests lighter use than average, which generally means less wear on major components.

Running costs, reliability data, and common problems from 2,538 real MOT tests.

Annual Cost

£2,757

£230/month

MOT Pass Rate

83%

Good

Road Tax

£760

Based on CC/year

Insurance

Grp 35-50

4398cc Petrol

Solid Option

83% pass rate, £2757/year to run. Close to the national average.

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Petrol4398cc22 years old2,538 tests106k miles avg

Annual Running Costs

Fuel (Petrol, 4398cc)

~30 mpg

£1,592

Road Tax

Based on 4398cc

£760

MOT Test

£55

Predicted Repairs

£350

Total per year£2,757

Per month£230/mo

Per week£53/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

83% 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, 83% of BMW 645s from 2004 passed their MOT first time in 2026. That's based on 2,538 tests across the UK. The average mileage at this age is 105,730 miles.

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How Does It Compare?

Rank among 2004 cars89th of 491(top 18%)

Rank among BMW models1216th of 1,564(top 78%)

vs national average+1%(82% avg)

vs 2004 cars average+11%(72% avg)

vs BMW average-5%(88% avg)

Mileage Analysis

105,730

Average miles

162,800

Expected for age

The average 2004 BMW 645 has 105,730 miles on the clock, which is below the expected 162,800 miles for a 22-year-old car. This suggests lighter use than average, which generally means less wear on major components.

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Best Year to Buy?

The most reliable year is the 2005 model with a 86% MOT pass rate, while the 2004 model has the lowest at 83%. Consider a different year if reliability is a priority.

BMW 645 by Year

Year	Pass Rate	Tests	Avg Mileage
2011	85%	52	76,143 mi
2005	86%	1,061	103,715 mi
2004	83%	2,538	105,730 mi

Similar Cars to Consider

BMW X5

2005 · 4799cc Petrol

£2,397/year

77%

-6%

LAND ROVER RANGE ROVER

2006 · 4197cc Petrol

£2,247/year

80%

-3%

LAND ROVER RANGE ROVER SPORT

2005 · 4394cc Petrol

£2,247/year

82%

-1%

VOLVO XC90

2006 · 4414cc Petrol

£2,397/year

73%

-10%

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About the 2004 BMW 645

The 2004 BMW 645 is a premium performance with a 4398cc petrol engine. 2,538 of these vehicles were MOT tested in 2026, making it a reasonably common sight on UK roads. It ranks in the top 18% of all 2004 cars for reliability.

With an average of 105,730 miles at 22 years old, BMW 645 owners tend to use this car less than the typical driver.

2004 BMW 645 Fuel Costs

The 4398cc petrol engine is on the larger side, so fuel won't be this car's strong point. Expect around 30 mpg in mixed driving, which works out to roughly £1,592 per year at current petrol prices of 142p per litre (based on 7,400 miles per year).

What does it cost to own a 2004 BMW 645?

Total estimated annual running cost is £2,757 (£230/month), broken down as £1592 fuel, £760 road tax, £55 MOT, and £350 predicted repairs. Repair costs are moderate, reflecting the 83% pass rate. Keeping on top of servicing will help avoid surprises.

BMW 645 Reliability Trend

The BMW 645 has maintained consistent MOT pass rates across model years, varying by only 3 percentage points.

Buying a Used 2004 BMW 645

At 22 years old, the BMW 645 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.

Common Issues to Watch For

Based on the 2004 BMW 645's fuel type, age, and engine size, these are the most likely problem areas to check.

Timing Chain / Belt

Watch out

At 22 years old, check whether the timing belt has been replaced (typically due every 5-7 years or 60,000-100,000 miles). A snapped belt can destroy the engine.

Oil Consumption

Medium risk

Larger petrol engines can develop higher oil consumption as they age. Check the oil level and look for blue smoke from the exhaust.

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 106k 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.

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 645 stacks up against similar cars for annual running costs, insurance, and tax.

Car	Pass Rate	Fuel/yr	Tax/yr	Insurance	Total/yr
BMW 645(2004)	83%	£1592	£760	Grp 35-50	£2757
BMW X5(2005)	77%	£1592	£250	Grp 35-50	£2397-£360
LAND ROVER RANGE ROVER(2006)	80%	£1592	£250	Grp 35-50	£2247-£510
LAND ROVER RANGE ROVER SPORT(2005)	82%	£1592	£250	Grp 35-50	£2247-£510
VOLVO XC90(2006)	73%	£1592	£250	Grp 35-50	£2397-£360

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.