SEAT Toledo (2004)

Estimated running costs and MOT pass rates from 183 MOT tests in 2024.

Annual Cost

£2,227

£186/month

MOT Pass Rate

74%

Average

Road Tax

£275

Estimated/year

Est. Insurance

Grp 18-32

1968cc Diesel

Check Carefully

74% pass rate, £2,227/year to run. 8 points below average.

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Diesel1968cc22 years old183 tests143k miles avg

Annual Running Costs

Fuel (Diesel, 1968cc)

~48 mpg

£1,397

Road Tax

Estimated CO2 band

£275

MOT Test

£55

Predicted Repairs

Higher estimate due to low pass rate

£500

Total per year£2,227

Per month£186/mo

Per week£43/wk

Estimates based on 7,400 miles/year (UK average), diesel at 199.33p a litre (GOV.UK weekly average, week of 19 October 2026), GOV.UK road tax rates and repair likelihood from MOT data. Insurance not included.

Reliability Verdict

74% MOT pass rate(Average)

0%All-model avg: 82%100%

Average reliability. Expect some repairs as it ages. That's 8 points below the average of 82% across all models in our data. It falls below the SEAT brand average of 85%.

74% of MOT tests on SEAT Toledos from 2004 ended in a pass in 2024, when they were about 20 years old. That's based on 183 tests across the UK, retests included. The average mileage recorded at those tests was 143,412 miles.

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How Does It Compare?

Rank among 2004 models218th of 470(top half)

Rank among SEAT models257th of 310(bottom 18%)

vs average of all models-8%(82% avg)

vs 2004 models average+2%(72% avg)

vs SEAT average-11%(85% avg)

Mileage Analysis

143,412

Average miles

148,000

Expected for age

The average 2004 SEAT Toledo had 143,412 miles on the clock at its 2024 MOT, which is in line with the expected 148,000 miles for a 20-year-old car, suggesting normal everyday use.

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Best Year to Buy?

Of the years with at least 100 tests, the 2019 model has the highest MOT pass rate at 91%, while the 2007 model has the lowest at 63%. The 2004 scores 74%. Newer cars usually pass more often simply because they are younger, so compare years of a similar age.

SEAT Toledo by Year

Year	Pass Rate	Tests	Avg Mileage
2019	91%	127	39,601 mi
2018	85%	1,836	64,600 mi
2017	82%	1,206	83,565 mi
2016	79%	900	121,867 mi
2015	79%	1,303	127,169 mi
2014	80%	1,439	117,071 mi
2013	75%	1,587	130,791 mi
2012	80%	153	113,991 mi
2007	63%	236	128,597 mi
2006	67%	322	136,802 mi
2005	66%	359	131,878 mi
2004	74%	183	143,412 mi
2003	78%	217	138,329 mi
2002	64%	125	136,078 mi
2001	71%	91	133,600 mi
2000	78%	58	131,116 mi
1999	67%	64	112,585 mi

Similar Cars to Consider

Volkswagen Golf

2006 · 1896cc Diesel

£2,227/year

72%

-2%

Vauxhall Astra

2005 · 1598cc Diesel

£2,144/year

69%

-5%

Honda Civic

2006 · 2204cc Diesel

£2,641/year

71%

-3%

Audi A3

2006 · 1595cc Diesel

£1,944/year

73%

-1%

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About the 2004 SEAT Toledo

The 2004 SEAT Toledo is a family car. Our records list a 1968cc diesel engine, though engines vary between versions. 183 MOT tests were recorded on this model in 2024, making it a rare model on UK roads. Among all models from 2004, the average MOT pass rate is 72%, and this model beats that benchmark.

With an average of 143,412 miles recorded at its 2024 MOT tests, SEAT Toledo owners drive about as much as the UK average.

2004 SEAT Toledo Fuel Costs

The 1968cc diesel engine offers a reasonable balance between performance and economy. Expect around 48 mpg in mixed driving, which works out to roughly £1,397 per year with diesel at 199.33p per litre (GOV.UK weekly average, week of 19 October 2026; 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 SEAT Toledo?

Total estimated annual running cost is £2,227 (£186/month), broken down as £1,397 fuel, £275 road tax, £55 MOT, and £500 predicted repairs. Repair costs are moderate, reflecting the 74% pass rate. Keeping on top of servicing will help avoid surprises.

SEAT Toledo Reliability Trend

Newer SEAT Toledos pass their MOT more often than older ones, by 11 percentage points on average, which is mostly down to age and wear.

Buying a Used 2004 SEAT Toledo

At 22 years old, the SEAT Toledo 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 2019 model has the highest pass rate at 91%.

Common Issues to Watch For

These are typical issues for cars of this age, fuel type and engine size, not faults recorded on this model's MOT tests. Use them as a checklist when you view one.

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 143k 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 SEAT Toledo stacks up against similar cars for estimated annual running costs, insurance group, and tax.

Car	Pass Rate	Fuel/yr	Tax/yr	Est. Ins. Group	Total/yr
SEAT Toledo(2004)	74%	£1,397	£275	Grp 18-32	£2,227
Volkswagen Golf(2006)	72%	£1,397	£275	Grp 18-32	£2,227same
Vauxhall Astra(2005)	69%	£1,219	£170	Grp 12-25	£2,144-£83
Honda Civic(2006)	71%	£1,676	£410	Grp 25-38	£2,641+£414
Audi A3(2006)	73%	£1,219	£170	Grp 12-25	£1,944-£283

Estimates based on 7,400 miles/year, GOV.UK average pump prices for the week of 19 October 2026, GOV.UK road tax rates and MOT data. Insurance groups are our rough estimate from engine size, not official groups. Actual costs vary by driver, location, and usage.

Questions about the 2004 SEAT Toledo

Is the 2004 SEAT Toledo reliable?

Average reliability. Expect some repairs as it ages. 74% of MOT tests on 2004 SEAT Toledos ended in a pass, from 183 tests (DVSA MOT data for tests in 2024, retests included). That's 8 points below the average of 82% across all models in the same data.

How much does a 2004 SEAT Toledo cost to run?

Our estimate is £2,227 a year (£186 a month): £1,397 fuel, £275 road tax, £55 MOT and £500 predicted repairs, based on 7,400 miles a year. Insurance is not included.

What is the MOT pass rate for a 2004 SEAT Toledo?

74% of 183 MOT tests on the 2004 SEAT Toledo ended in a pass (DVSA MOT data for tests in 2024, retests included). That ranks it 218th of 470 models first registered in 2004 (top half).

Which year SEAT Toledo has the best MOT pass rate?

Of the years with at least 100 tests, the 2019 SEAT Toledo has the highest MOT pass rate at 91% and the 2007 the lowest at 63%. Newer cars usually pass more often simply because they are younger and have done fewer miles.

What is the average mileage for a 2004 SEAT Toledo?

The average mileage recorded at MOT tests on the 2004 SEAT Toledo is 143,412 miles, which is in line with the expected 148,000 miles for a 20-year-old car, suggesting normal everyday use.