Volkswagen Polo (2004)

Estimated running costs and MOT pass rates from 26,290 MOT tests in 2024.

Annual Cost

£2,353

£196/month

MOT Pass Rate

67%

Below Avg

Road Tax

£200

Estimated/year

Est. Insurance

Grp 8-20

1400cc Petrol

Proceed With Caution

67% pass rate, £2,353/year to run. 15 points below average.

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Petrol1400cc22 years old26,290 tests100k miles avg

Annual Running Costs

Fuel (Petrol, 1400cc)

~42 mpg

£1,398

Road Tax

Estimated CO2 band

£200

MOT Test

£55

Predicted Repairs

Higher estimate due to low pass rate

£700

Total per year£2,353

Per month£196/mo

Per week£45/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

67% MOT pass rate(Below Avg)

0%All-model avg: 82%100%

Below average reliability. Budget extra for maintenance and repairs. That's 15 points below the average of 82% across all models in our data. It falls below the Volkswagen brand average of 85%.

67% of MOT tests on Volkswagen Polos from 2004 ended in a pass in 2024, when they were about 20 years old. That's based on 26,290 tests across the UK, retests included. The average mileage recorded at those tests was 100,124 miles.

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How Does It Compare?

Rank among 2004 models377th of 470(bottom 20%)

Rank among Volkswagen models1031st of 1,086(bottom 6%)

vs average of all models-15%(82% avg)

vs 2004 models average-5%(72% avg)

vs Volkswagen average-18%(85% avg)

Mileage Analysis

100,124

Average miles

148,000

Expected for age

The average 2004 Volkswagen Polo had 100,124 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 2021 model has the highest MOT pass rate at 93%, while the 2003 model has the lowest at 67%. The 2004 scores 67%. Newer cars usually pass more often simply because they are younger, so compare years of a similar age.

Volkswagen Polo by Year

Year	Pass Rate	Tests	Avg Mileage
2023	84%	106	33,452 mi
2022	95%	413	20,300 mi
2021	93%	12,920	22,309 mi
2020	92%	27,020	28,541 mi
2019	89%	65,751	35,212 mi
2018	84%	79,867	42,136 mi
2017	84%	80,360	48,515 mi
2016	84%	92,860	55,959 mi
2015	82%	94,129	62,780 mi
2014	80%	81,831	69,477 mi
2013	79%	75,894	74,217 mi
2012	78%	73,366	80,312 mi
2011	75%	79,721	85,976 mi
2010	74%	75,715	90,330 mi
2009	71%	44,908	89,112 mi
2008	70%	49,575	94,775 mi
2007	70%	45,463	97,013 mi
2006	68%	39,766	99,533 mi
2005	68%	30,507	99,509 mi
2004	67%	26,290	100,124 mi
2003	67%	21,166	98,247 mi
2002	68%	12,081	96,635 mi
2001	71%	7,359	88,668 mi
2000	71%	4,800	92,133 mi
1999	75%	2,808	74,358 mi
1998	71%	1,681	68,113 mi
1997	72%	1,201	73,181 mi
1996	70%	1,139	77,130 mi
1995	73%	361	83,075 mi
1994	71%	511	80,048 mi
1993	69%	819	92,842 mi
1992	76%	616	91,991 mi
1991	74%	789	91,515 mi
1990	75%	482	83,845 mi

Similar Cars to Consider

Ford Focus

2006 · 1596cc Petrol

£2,228/year

73%

+6%

MINI

2005 · 1598cc Petrol

£2,228/year

71%

+4%

BMW 3 Series

2006 · 1796cc Petrol

£2,361/year

80%

+13%

Honda Jazz

2006 · 1339cc Petrol

£2,153/year

71%

+4%

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About the 2004 Volkswagen Polo

The 2004 Volkswagen Polo is a small family car. Our records list a 1400cc petrol engine, though engines vary between versions. 26,290 MOT tests were recorded on this model in 2024, making it one of the most commonly tested models on UK roads. It sits in the bottom 20% of 2004 models for MOT pass rate.

With an average of 100,124 miles recorded at its 2024 MOT tests, Volkswagen Polo owners tend to use this car less than the typical driver.

2004 Volkswagen Polo Fuel Costs

The 1400cc petrol engine offers a reasonable balance between performance and economy. Expect around 42 mpg in mixed driving, which works out to roughly £1,398 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 Volkswagen Polo?

Total estimated annual running cost is £2,353 (£196/month), broken down as £1,398 fuel, £200 road tax, £55 MOT, and £700 predicted repairs. The higher repair estimate reflects the 67% MOT pass rate. Cars in this bracket tend to need work on suspension, brakes, and emissions components.

Volkswagen Polo Reliability Trend

Newer Volkswagen Polos pass their MOT more often than older ones, by 8 percentage points on average, which is mostly down to age and wear.

Buying a Used 2004 Volkswagen Polo

At 22 years old, the Volkswagen Polo 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 2021 model has the highest pass rate at 93%. With 26,290 MOT tests in our data, there's strong statistical confidence in these figures.

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.

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 100k 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.

Higher Than Average Failure Rate

Watch out

With a 67% MOT pass rate, this model fails more often than most. Budget for unexpected repairs and get a thorough pre-purchase inspection.

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 Volkswagen Polo 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
Volkswagen Polo(2004)	67%	£1,398	£200	Grp 8-20	£2,353
Ford Focus(2006)	73%	£1,398	£275	Grp 12-25	£2,228-£125
MINI(2005)	71%	£1,398	£275	Grp 12-25	£2,228-£125
BMW 3 Series(2006)	80%	£1,631	£325	Grp 18-32	£2,361+£8
Honda Jazz(2006)	71%	£1,398	£200	Grp 8-20	£2,153-£200

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 Volkswagen Polo

Is the 2004 Volkswagen Polo reliable?

Below average reliability. Budget extra for maintenance and repairs. 67% of MOT tests on 2004 Volkswagen Polos ended in a pass, from 26,290 tests (DVSA MOT data for tests in 2024, retests included). That's 15 points below the average of 82% across all models in the same data.

How much does a 2004 Volkswagen Polo cost to run?

Our estimate is £2,353 a year (£196 a month): £1,398 fuel, £200 road tax, £55 MOT and £700 predicted repairs, based on 7,400 miles a year. Insurance is not included.

What is the MOT pass rate for a 2004 Volkswagen Polo?

67% of 26,290 MOT tests on the 2004 Volkswagen Polo ended in a pass (DVSA MOT data for tests in 2024, retests included). That ranks it 377th of 470 models first registered in 2004 (bottom 20%).

Which year Volkswagen Polo has the best MOT pass rate?

Of the years with at least 100 tests, the 2021 Volkswagen Polo has the highest MOT pass rate at 93% and the 2003 the lowest at 67%. Newer cars usually pass more often simply because they are younger and have done fewer miles.

What is the average mileage for a 2004 Volkswagen Polo?

The average mileage recorded at MOT tests on the 2004 Volkswagen Polo is 100,124 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.