Is the BMW 1 Series or the Volkswagen Polo cheaper to buy?

In current stock the BMW 1 Series starts lower: the BMW 1 Series is available from £5,995 (median £10,190) and the Volkswagen Polo from £7,995 (median £11,475).

What are the monthly finance payments on the BMW 1 Series vs the Volkswagen Polo?

Illustrative finance starts from £142/mo (HP, 60 months, 15.9% APR) on the BMW 1 Series and £364/mo (HP, 60 months, 10.9% APR) on the Volkswagen Polo. These are examples from cars currently in stock, not offers of finance — the actual rate, term and APR depend on your circumstances, the lender and a credit check.

Which is cheaper to tax, the BMW 1 Series or the Volkswagen Polo?

The most common annual road tax (VED) across BMW 1 Series stock is £200/yr, versus £200/yr for the Volkswagen Polo — so the BMW 1 Series is generally cheaper to tax.

Which is more reliable at MOT, the BMW 1 Series or the Volkswagen Polo?

Based on DVSA MOT history across our stock, the BMW 1 Series averages a 43% first-time pass rate and the Volkswagen Polo 11% — the BMW 1 Series edges it on this measure.

Side by side

BMW 1 Series vs Volkswagen Polo

A side-by-side comparison of the used BMW 1 Series and Volkswagen Polo — price, real monthly finance, running costs and MOT reliability, all from live UK stock.

Reviewed by the Motoring Today Editorial team · methodology in our editorial standards.

BMW 1 Series or Volkswagen Polo — which should I buy?

The BMW 1 Series starts cheaper (BMW 1 Series from £5,995, Volkswagen Polo from £7,995), with illustrative finance from £142/mo and £364/mo respectively. On MOT reliability they score 43% and 11% first-time passes. The full spec, running-cost and deal breakdown is below.

1 Series from: £5,995
Polo from: £7,995
In stock: 13 vs 6

BMW 1 Series versus Volkswagen Polo on price, running costs and MOT reliability, from live UK stock. The best value in each row is highlighted.
From live stock	★ Best value overall BMW 1 Series 13 in stock · from £5,995	Volkswagen Polo 6 in stock · from £7,995
Cheapest in stock	£5,995★ lowest	£7,995
Median price	£10,190★ lower	£11,475
From (per month)Illustrative, from live stock	£142/mo (HP, 60 months, 15.9% APR)★ lower	£364/mo (HP, 60 months, 10.9% APR)
Road tax (VED)Typical car in stock	£200/yr	£200/yr
Median mileage	65,879 mi	50,264 mi★ lower
Median year	2019	2020★ newer
Median CO₂	121 g/km	109 g/km★ cleaner
Typical power	134 bhp★ more	93 bhp
Most common fuel	Petrol	Petrol
Most common gearbox	Manual	Automatic
MOT first-time passDVSA history	43%★ more reliable	11%
Great/good deals in stockMotoring Today price rating	3 / 13	3 / 6★ more
	View all 13 1 Series →	View all 6 Polo →

Motoring Today score

Our 0–100 vehicle-intelligence score: reliability is from real DVSA MOT pass rates, the rest from manufacturer specs (MPG/CO₂, insurance group, Euro NCAP, dimensions). Higher is better — the stronger side is highlighted.

Score	BMW 1 Series	Volkswagen Polo
Overall	63/100	75/100
Reliability	62	69
Running costs	71	78
Safety	49	—
Family & practicality	76	78
Insurance	56	74

A guide, not a guarantee — based on the sample of stock and MOT/spec records we hold for each model.

Specs, side by side

Manufacturer specifications across the BMW 1 Series and Volkswagen Polo trim range. The stronger figure is highlighted where there's a clear better/worse direction (dimensions are shown for reference only).

Spec	BMW 1 Series	Volkswagen Polo
MPG (combined)	30–83 mpg	0–83 mpg
CO₂ emissions	89–226 g/km	82–216 g/km
Insurance group1 (cheapest) – 50	Group 12–39	Group 1–30
Euro NCAP safety	60% pillar avg	5 stars (2022)
0–60mph	4.6s	6.3s
Power	93–321 bhp	45–204 bhp
Seats	5	5
Doors	5	5
Length	4324 mm	3970 mm
Width	1984 mm	1901 mm
Height	1421 mm	1461 mm

How we compare. The “best value overall” column and the cells marked ★ are chosen from live market data, running costs, DVSA MOT history and manufacturer specs — the side that wins the most comparable rows leads. Deal ratings come from the Motoring Today price model. Our methodology →

About the finance figures

Monthly payments shown are illustrative examples drawn from real quotes on cars currently in stock — the exact rate, term and APR depend on your circumstances, the lender and a credit check. They are not an offer of finance and are not a representative example of the total cost of credit.

Motoring Today is a trading style of Motor Genius Group Ltd (FRN 960504), an appointed representative of The Compliance Guys Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN 941360).

Motoring Today is a credit broker, not a lender.

Frequently asked questions

Is the BMW 1 Series or the Volkswagen Polo cheaper to buy?: In current stock the BMW 1 Series starts lower: the BMW 1 Series is available from £5,995 (median £10,190) and the Volkswagen Polo from £7,995 (median £11,475).
What are the monthly finance payments on the BMW 1 Series vs the Volkswagen Polo?: Illustrative finance starts from £142/mo (HP, 60 months, 15.9% APR) on the BMW 1 Series and £364/mo (HP, 60 months, 10.9% APR) on the Volkswagen Polo. These are examples from cars currently in stock, not offers of finance — the actual rate, term and APR depend on your circumstances, the lender and a credit check.
Which is cheaper to tax, the BMW 1 Series or the Volkswagen Polo?: The most common annual road tax (VED) across BMW 1 Series stock is £200/yr, versus £200/yr for the Volkswagen Polo — so the BMW 1 Series is generally cheaper to tax.
Which is more reliable at MOT, the BMW 1 Series or the Volkswagen Polo?: Based on DVSA MOT history across our stock, the BMW 1 Series averages a 43% first-time pass rate and the Volkswagen Polo 11% — the BMW 1 Series edges it on this measure.

Motoring Today score

Specs, side by side

Frequently asked questions

Explore these models