Toyota Camry (2004)

Estimated running costs and MOT pass rates from 46 MOT tests in 2024.

Annual Cost

£2,808

£234/month

MOT Pass Rate

89%

Good

Road Tax

£445

Estimated/year

Est. Insurance

Grp 30-42

2995cc Petrol

Solid Option

89% pass rate, £2,808/year to run. 7 points above average.

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Petrol2995cc22 years old46 tests101k miles avg

Annual Running Costs

Fuel (Petrol, 2995cc)

~30 mpg

£1,958

Road Tax

Estimated CO2 band

£445

MOT Test

£55

Predicted Repairs

£350

Total per year£2,808

Per month£234/mo

Per week£54/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

89% MOT pass rate(Good)

0%All-model avg: 82%100%

Good reliability. Occasional issues but generally solid. That's 7 points above the average of 82% across all models in our data. It also outperforms the Toyota brand average of 84%.

89% of MOT tests on Toyota Camrys from 2004 ended in a pass in 2024, when they were about 20 years old. That's based on 46 tests across the UK, retests included. The average mileage recorded at those tests was 100,855 miles.

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How Does It Compare?

Rank among 2004 models43rd of 470(top 10%)

Rank among Toyota models370th of 970(top half)

vs average of all models+7%(82% avg)

vs 2004 models average+17%(72% avg)

vs Toyota average+5%(84% avg)

Mileage Analysis

100,855

Average miles

148,000

Expected for age

The average 2004 Toyota Camry had 100,855 miles on the clock at its 2024 MOT, which is below the expected 148,000 miles for a 20-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?

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 2004 scores 89%. 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

Land Rover Freelander

2006 · 3192cc Petrol

£3,303/year

70%

-19%

Mercedes E

2004 · 3199cc Petrol

£3,303/year

78%

-11%

Porsche Boxster

2005 · 3197cc Petrol

£3,153/year

86%

-3%

BMW X3

2006 · 2996cc Petrol

£2,958/year

78%

-11%

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About the 2004 Toyota Camry

The 2004 Toyota Camry is a large car. Our records list a 2995cc petrol engine, though engines vary between versions. 46 MOT tests were recorded on this model in 2024, making it a rare model on UK roads. It ranks in the top 10% of all 2004 models for MOT pass rate.

With an average of 100,855 miles recorded at its 2024 MOT tests, Toyota Camry owners tend to use this car less than the typical driver.

2004 Toyota Camry Fuel Costs

The 2995cc 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 2004 Toyota Camry?

Total estimated annual running cost is £2,808 (£234/month), broken down as £1,958 fuel, £445 road tax, £55 MOT, and £350 predicted repairs. Repair costs are moderate, reflecting the 89% 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 2004 Toyota Camry

At 22 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 46 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 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 101k 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 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(2004)	89%	£1,958	£445	Grp 30-42	£2,808
Land Rover Freelander(2006)	70%	£1,958	£790	Grp 35-50	£3,303+£495
Mercedes E(2004)	78%	£1,958	£790	Grp 35-50	£3,303+£495
Porsche Boxster(2005)	86%	£1,958	£790	Grp 35-50	£3,153+£345
BMW X3(2006)	78%	£1,958	£445	Grp 30-42	£2,958+£150

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 Toyota Camry

Is the 2004 Toyota Camry reliable?

Good reliability. Occasional issues but generally solid. 89% of MOT tests on 2004 Toyota Camrys ended in a pass, from 46 tests (DVSA MOT data for tests in 2024, retests included). That's 7 points above the average of 82% across all models in the same data.

How much does a 2004 Toyota Camry cost to run?

Our estimate is £2,808 a year (£234 a month): £1,958 fuel, £445 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 2004 Toyota Camry?

89% of 46 MOT tests on the 2004 Toyota Camry ended in a pass (DVSA MOT data for tests in 2024, retests included). That ranks it 43rd of 470 models first registered in 2004 (top 10%).

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 2004 Toyota Camry?

The average mileage recorded at MOT tests on the 2004 Toyota Camry is 100,855 miles, which is below the expected 148,000 miles for a 20-year-old car. This suggests lighter use than average, which generally means less wear on major components.