Toyota Camry (1995)

Estimated running costs and MOT pass rates from 32 MOT tests in 2024.

Annual Cost

£2,738

£228/month

MOT Pass Rate

81%

Good

Road Tax

£375

Estimated/year

Est. Insurance

Grp 30-42

2959cc Petrol

Solid Option

81% pass rate, £2,738/year to run. Close to the average across all models.

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Petrol2959cc31 years old32 tests107k miles avg

Annual Running Costs

Fuel (Petrol, 2959cc)

~30 mpg

£1,958

Road Tax

Pre-2001 engine size rate

£375

MOT Test

£55

Predicted Repairs

£350

Total per year£2,738

Per month£228/mo

Per week£53/wk

Estimates based on 7,400 miles/year (UK average), petrol at 174.57p 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

81% MOT pass rate(Good)

0%All-model avg: 82%100%

Good reliability. Occasional issues but generally solid. That's close to the average of 82% across all models in our data.

81% of MOT tests on Toyota Camrys from 1995 ended in a pass in 2024, when they were about 29 years old. That's based on 32 tests across the UK, retests included. The average mileage recorded at those tests was 106,634 miles.

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How Does It Compare?

Rank among 1995 models63rd of 221(top half)

Rank among Toyota models575th of 970(bottom half)

vs average of all models-1%(82% avg)

vs 1995 models average+5%(76% avg)

vs Toyota average-3%(84% avg)

Mileage Analysis

106,634

Average miles

214,600

Expected for age

The average 1995 Toyota Camry had 106,634 miles on the clock at its 2024 MOT, which is significantly below the expected 214,600 miles for a 29-year-old car. Low-mileage examples may have spent time sitting unused, so check for issues like corroded brakes or perished rubber seals.

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Best Year to Buy?

Of the years with at least 100 tests, the 2020 model has the highest MOT pass rate at 96%, while the 1998 model has the lowest at 78%. The 1995 scores 81%. Newer cars usually pass more often simply because they are younger, so compare years of a similar age.

Toyota Camry by Year

Year	Pass Rate	Tests	Avg Mileage
2022	97%	37	39,198 mi
2021	96%	446	38,287 mi
2020	96%	664	43,951 mi
2019	94%	759	69,887 mi
2018	100%	34	64,225 mi
2017	100%	43	64,307 mi
2013	96%	53	62,075 mi
2012	100%	60	75,728 mi
2004	89%	46	100,855 mi
2003	87%	70	113,647 mi
2002	86%	189	111,449 mi
2001	84%	49	95,017 mi
2000	77%	35	123,470 mi
1999	84%	100	123,640 mi
1998	78%	174	122,735 mi
1997	78%	268	124,512 mi
1996	75%	40	117,255 mi
1995	81%	32	106,634 mi
1994	51%	45	140,494 mi
1992	72%	47	122,600 mi

Similar Cars to Consider

BMW 3 Series

1997 · 2494cc Petrol

£2,888/year

79%

-2%

Volvo 900 Series

1997 · 2922cc Petrol

£2,888/year

74%

-7%

Mercedes SL

1996 · 2779cc Petrol

£2,738/year

88%

+7%

Porsche Boxster

1997 · 2480cc Petrol

£2,738/year

83%

+2%

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About the 1995 Toyota Camry

The 1995 Toyota Camry is a large car. Our records list a 2959cc petrol engine, though engines vary between versions. 32 MOT tests were recorded on this model in 2024, making it a rare model on UK roads. Among all models from 1995, the average MOT pass rate is 76%, and this model beats that benchmark.

With an average of 106,634 miles recorded at its 2024 MOT tests, Toyota Camry owners tend to use this car less than the typical driver. Very low mileage could mean the car has been garaged or used only for short trips, which can cause its own issues like battery drain and moisture buildup.

1995 Toyota Camry Fuel Costs

The 2959cc 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 £1,958 per year with petrol at 174.57p per litre (GOV.UK weekly average, week of 19 October 2026; based on 7,400 miles per year).

What does it cost to own a 1995 Toyota Camry?

Total estimated annual running cost is £2,738 (£228/month), broken down as £1,958 fuel, £375 road tax, £55 MOT, and £350 predicted repairs. Repair costs are moderate, reflecting the 81% pass rate. Keeping on top of servicing will help avoid surprises.

Toyota Camry Reliability Trend

Newer Toyota Camrys pass their MOT more often than older ones, by 13 percentage points on average, which is mostly down to age and wear.

Buying a Used 1995 Toyota Camry

At 31 years old, the Toyota Camry 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 2020 model has the highest pass rate at 96%. Note: with only 32 tests in our data, these figures should be treated as indicative rather than definitive.

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.

Timing Chain / Belt

Watch out

At 31 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 107k 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 1995 Toyota Camry 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
Toyota Camry(1995)	81%	£1,958	£375	Grp 30-42	£2,738
BMW 3 Series(1997)	79%	£1,958	£375	Grp 25-38	£2,888+£150
Volvo 900 Series(1997)	74%	£1,958	£375	Grp 30-42	£2,888+£150
Mercedes SL(1996)	88%	£1,958	£375	Grp 30-42	£2,738same
Porsche Boxster(1997)	83%	£1,958	£375	Grp 25-38	£2,738same

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 1995 Toyota Camry

Is the 1995 Toyota Camry reliable?

Good reliability. Occasional issues but generally solid. 81% of MOT tests on 1995 Toyota Camrys ended in a pass, from 32 tests (DVSA MOT data for tests in 2024, retests included). That's 1 point below the average of 82% across all models in the same data.

How much does a 1995 Toyota Camry cost to run?

Our estimate is £2,738 a year (£228 a month): £1,958 fuel, £375 road tax, £55 MOT and £350 predicted repairs, based on 7,400 miles a year. Insurance is not included.

What is the MOT pass rate for a 1995 Toyota Camry?

81% of 32 MOT tests on the 1995 Toyota Camry ended in a pass (DVSA MOT data for tests in 2024, retests included). That ranks it 63rd of 221 models first registered in 1995 (top half).

Which year Toyota Camry has the best MOT pass rate?

Of the years with at least 100 tests, the 2020 Toyota Camry has the highest MOT pass rate at 96% and the 1998 the lowest at 78%. Newer cars usually pass more often simply because they are younger and have done fewer miles.

What is the average mileage for a 1995 Toyota Camry?

The average mileage recorded at MOT tests on the 1995 Toyota Camry is 106,634 miles, which is significantly below the expected 214,600 miles for a 29-year-old car. Low-mileage examples may have spent time sitting unused, so check for issues like corroded brakes or perished rubber seals.