DS 4 vs Cupra Terramar: UK Running Cost Comparison (2026)

Based on estimated figures — · Updated April 2026

Choosing between the DS 4 and Cupra Terramar isn't just about purchase price — the true cost of ownership tells a different story. Using our cost model and UK market averages, we can show exactly what each car costs to run every year.

Annual Running Cost Overview

Insurance Costs

Insurance is one of the biggest variables in running costs. Based on our data, the DS 4 comes out cheaper to insure, with an average premium of £1,216 per year compared to £1,368 — a difference of £152 annually. Insurance is calculated using standardised driver demographics (age 35, 3 years no claims) so the difference reflects the vehicle itself rather than driver risk.

Fuel & Energy Costs

The DS 4 has the lower annual fuel cost at £1,710 per year, saving £534 over the Cupra Terramar. Fuel costs are calculated from real-world mileage data taken from DVSA MOT odometer records, using current UK pump prices per mile for each fuel type.

Depreciation

The Cupra Terramar holds its value better, with estimated annual depreciation of £5,400 versus £5,760 for the DS 4. Depreciation is typically the largest single running cost — often larger than fuel — making this a significant factor in the true cost of ownership.

Which Is Cheaper to Run?

Over a full year, the DS 4 costs approximately £9,306 to run, compared to £9,592 for the Cupra Terramar. That's a difference of £286 per year, or around £23 per month. Over five years, choosing the DS 4 could save you £1,430 in running costs alone.

Keep in mind these are averages — your actual costs will depend on your age, occupation, location, and how you use the vehicle. Use the personalised calculator below to get figures specific to your situation.