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543 listings
- Price Drop$18,500great price$4,430 below market
- 57,884 miles
- No accidents, 2 owners, personal use
- 5 Seats, 23 City / 33 Hwy MPG
- Starling Buick GMC Stuart (390 mi away)
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Located in Stuart, FL / 390 miles away from Panama City, FL
2020 Volvo XC40 Momentum Glacier Silver Metallic I4 Automatic with Geartronic FWD Bluetooth, Power Package, LEATHER, ALLOY WHEELS, BACKUP CAMERA, PARK...
AutoCheck Vehicle History Summary
Accident Free Vehicle: Yes
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
27 Combined MPG (23 City/33 Highway)
Listing Information:
VIN: YV4AC2HKXL2244824
Stock: 244824T
Certified Pre-Owned: No
Listed since: 06-19-2025 - Price Drop$26,249great price$3,962 below market
- 13,676 miles
- 1 accident, 1 owner, personal use only
- 5 Seats, 22 City / 30 Hwy MPG
- Mercedes-Benz of Coconut Creek (429 mi away)
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Located in Coconut Creek, FL / 429 miles away from Panama City, FL
Panoramic RoofLeather SeatsNavigation SystemLane Keeping AssistKeyless StartRear SpoilerCharcoal; Nappa Leather/Nubuck Seating SurfacesCrystal ...
AutoCheck Vehicle History Summary
Accident Free Vehicle: No
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
25 Combined MPG (22 City/30 Highway)
Listing Information:
VIN: YV4162UM4L2280135
Stock: L2280135
Certified Pre-Owned: No
Listed since: 05-20-2025 - $25,998good price$1,660 below market
- 46,788 miles
- No accidents, 1 owner, personal use only
- 5 Seats, 22 City / 30 Hwy MPG
- Germain Lexus of Naples (358 mi away)
- Five Star Dealer
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Located in Naples, FL / 358 miles away from Panama City, FL
** ONE OWNER **, PARK ASSIST, HEATED STEERING WHEEL, HARMAN /KARDON PREMIUM AUDIO SYSTEM, SENSUS NAVIGATOIN PRO, 360 DEGREE DRIVER ASSISTANCE SYSTEM, ...
AutoCheck Vehicle History Summary
Accident Free Vehicle: Yes
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
25 Combined MPG (22 City/30 Highway)
Listing Information:
VIN: YV4162UL3L2276665
Stock: L251559A
Certified Pre-Owned: No
Listed since: 07-23-2025 - New Listing$22,998good price$1,638 below market
- 51,446 miles
- No accidents, 1 owner, corporate fleet vehicle
- 5 Seats, 22 City / 30 Hwy MPG
- CarMax Town Center (271 mi away)
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Located in Kennesaw, GA / 271 miles away from Panama City, FL
CarMax values transparency and wants you to love your next car, not settle on it. Certain vehicles may have unrepaired safety recalls. Check nhtsa.gov...
AutoCheck Vehicle History Summary
Accident Free Vehicle: Yes
Personal Use Only: No
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
25 Combined MPG (22 City/30 Highway)
Listing Information:
VIN: YV4162UK1L2338409
Stock: 27431817
Certified Pre-Owned: No - $16,000good price$1,237 below market
- 113,202 miles
- 1 accident, 1 owner, corporate fleet vehicle
- 5 Seats, 22 City / 30 Hwy MPG
- SKCO Automotive (155 mi away)
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Located in Mobile, AL / 155 miles away from Panama City, FL
Delivers 30 Highway MPG and 22 City MPG! This Volvo XC40 boasts a Intercooled Turbo Regular Unleaded I-4 2.0 L/120 engine powering this Automatic tran...
AutoCheck Vehicle History Summary
Accident Free Vehicle: No
Personal Use Only: No
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: Yes
Features and Specs:
25 Combined MPG (22 City/30 Highway)
Listing Information:
VIN: YV4162UK3L2338914
Stock: 338914
Certified Pre-Owned: No
Listed since: 07-17-2024 - New Listing$23,297fair price$258 below market
- 40,569 miles
- No accidents, 2 owners, personal use
- 5 Seats, 23 City / 33 Hwy MPG
- EchoPark Automotive Atlanta (Duluth) (276 mi away)
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Located in Duluth, GA / 276 miles away from Panama City, FL
At EchoPark, it’s all about offering you options for a happy experience. We have thousands of new-to-you makes and models that range from sedans to tr...
AutoCheck Vehicle History Summary
Accident Free Vehicle: Yes
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
27 Combined MPG (23 City/33 Highway)
Listing Information:
VIN: YV4AC2HK8L2176622
Stock: CL2176622
Certified Pre-Owned: No
Listed since: 07-22-2025 - $18,750fair price$570 below market
- 93,212 miles
- 1 accident, 1 owner, corporate fleet vehicle
- 5 Seats, 22 City / 30 Hwy MPG
- SKCO Automotive (155 mi away)
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Located in Mobile, AL / 155 miles away from Panama City, FL
Scores 30 Highway MPG and 22 City MPG! This Volvo XC40 boasts a Intercooled Turbo Regular Unleaded I-4 2.0 L/120 engine powering this Automatic transm...
AutoCheck Vehicle History Summary
Accident Free Vehicle: No
Personal Use Only: No
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: Yes
Features and Specs:
25 Combined MPG (22 City/30 Highway)
Listing Information:
VIN: YV4162UK0L2327014
Stock: 327014
Certified Pre-Owned: No
Listed since: 06-18-2024 - New Listing$25,998good price$1,501 below market
- 40,210 miles
- 1 accident, 1 owner, personal use only
- 5 Seats, 22 City / 30 Hwy MPG
- CarMax Tampa (243 mi away)
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Located in Tampa, FL / 243 miles away from Panama City, FL
CarMax values transparency and wants you to love your next car, not settle on it. Certain vehicles may have unrepaired safety recalls. Check nhtsa.gov...
AutoCheck Vehicle History Summary
Accident Free Vehicle: No
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
25 Combined MPG (22 City/30 Highway)
Listing Information:
VIN: YV4162UK5L2227197
Stock: 27762046
Certified Pre-Owned: No - Price Drop$21,093fair price$65 above market
- 98,782 miles
- No accidents, 1 owner, personal use only
- 5 Seats, 22 City / 30 Hwy MPG
- Honda Cars of Aiken (326 mi away)
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Located in Warrenville, SC / 326 miles away from Panama City, FL
Power Lift Gate, Back Up Camera, Bluetooth, MP3 i Pod Adaptive, Satelitte Radio, Hands Free Calling, Power Moonroof, Professionally Detailed Inside an...
AutoCheck Vehicle History Summary
Accident Free Vehicle: Yes
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
25 Combined MPG (22 City/30 Highway)
Listing Information:
VIN: YV4162UMXL2185059
Stock: H12567A
Certified Pre-Owned: No
Listed since: 05-29-2025 - $25,487good price$1,008 below market
- 55,562 miles
- 1 accident, 2 owners, personal use only
- 5 Seats, 22 City / 30 Hwy MPG
- Volvo Cars Mall of Georgia (286 mi away)
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Located in Buford, GA / 286 miles away from Panama City, FL
Crystal White Metallic 2020 Volvo XC40 R-Design AWD Automatic with Geartronic I4 Load Bars, Advanced Package, Heated Front Seats, Heated Front Seats &...
AutoCheck Vehicle History Summary
Accident Free Vehicle: No
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
25 Combined MPG (22 City/30 Highway)
Listing Information:
VIN: YV4162UM7L2329716
Stock: X5560B
Certified Pre-Owned: No
Listed since: 07-19-2025 - New Listing$22,848fair price$343 below market
- 51,403 miles
- 2 accidents, 1 owner, corporate fleet vehicle
- 5 Seats, 23 City / 33 Hwy MPG
- Volvo Cars Mall of Georgia (286 mi away)
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Located in Buford, GA / 286 miles away from Panama City, FL
2020 Volvo XC40 Momentum FWD in Ice White over Oxide Red w/Leather UpholsteryThis XC40 is equipped with:Premium PackagePower Retractable Rear View Mir...
AutoCheck Vehicle History Summary
Accident Free Vehicle: No
Personal Use Only: No
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
27 Combined MPG (23 City/33 Highway)
Listing Information:
VIN: YV4AC2HK6L2233349
Stock: X5662
Certified Pre-Owned: No
Listed since: 07-08-2025 - $24,288fair price$200 above market
- 37,440 miles
- 1 accident, 1 owner, personal use
- 5 Seats, 23 City / 33 Hwy MPG
- Bomnin Chevrolet West Kendall (451 mi away)
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Located in Miami, FL / 451 miles away from Panama City, FL
Recent Arrival! CARFAX One-Owner. Clean CARFAX. Odometer is 7656 miles below market average! 2020 Volvo XC40 Momentum in White vehicle highlights incl...
AutoCheck Vehicle History Summary
Accident Free Vehicle: No
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
27 Combined MPG (23 City/33 Highway)
Listing Information:
VIN: YV4AC2HK6L2305831
Stock: B011559A
Certified Pre-Owned: No
Listed since: 07-24-2025 - New Listing$25,998fair price$126 above market
- 57,305 miles
- 5 Seats, 22 City / 30 Hwy MPG
- CarMax Gastonia (438 mi away)
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Located in Gastonia, NC / 438 miles away from Panama City, FL
CarMax values transparency and wants you to love your next car, not settle on it. Certain vehicles may have unrepaired safety recalls. Check nhtsa.gov...
AutoCheck Vehicle History Summary Unavailable.
Features and Specs:
25 Combined MPG (22 City/30 Highway)
Listing Information:
VIN: YV4162UL8L2173872
Stock: 27689521
Certified Pre-Owned: No - New Listing
- 65,694 miles
- No accidents, 1 owner, personal use only
- 5 Seats, 22 City / 30 Hwy MPG
- Carvana - Birmingham (240 mi away)
- Home delivery*
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Located in Birmingham, AL / 240 miles away from Panama City, FL
At Carvana, we go miles beyond the extra mile. That's why we provide you with a convenient, fast, and hassle-free car buying experience that puts you ...
AutoCheck Vehicle History Summary
Accident Free Vehicle: Yes
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
25 Combined MPG (22 City/30 Highway)
Listing Information:
VIN: YV4162UKXL2277061
Stock: 2003916917
Certified Pre-Owned: No
Listed since: 07-25-2025 - Price Drop
- 41,004 miles
- No accidents, 1 owner, personal use only
- 5 Seats, 22 City / 30 Hwy MPG
- Carvana - Charlotte (448 mi away)
- Home delivery*
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Located in Charlotte, NC / 448 miles away from Panama City, FL
At Carvana, we go miles beyond the extra mile. That's why we provide you with a convenient, fast, and hassle-free car buying experience that puts you ...
AutoCheck Vehicle History Summary
Accident Free Vehicle: Yes
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
25 Combined MPG (22 City/30 Highway)
Listing Information:
VIN: YV4162UM4L2301937
Stock: 2003908610
Certified Pre-Owned: No
Listed since: 07-19-2025 - 53,540 miles
- No accidents, 1 owner, personal use only
- 5 Seats, 22 City / 30 Hwy MPG
- Carvana - Charlotte (448 mi away)
- Home delivery*
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Located in Charlotte, NC / 448 miles away from Panama City, FL
At Carvana, we go miles beyond the extra mile. That's why we provide you with a convenient, fast, and hassle-free car buying experience that puts you ...
AutoCheck Vehicle History Summary
Accident Free Vehicle: Yes
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
25 Combined MPG (22 City/30 Highway)
Listing Information:
VIN: YV4162UM2L2207040
Stock: 2003906959
Certified Pre-Owned: No
Listed since: 07-16-2025- 53,340 miles
- 2 accidents, 1 owner, personal use only
- 5 Seats, 22 City / 30 Hwy MPG
- CarMax Dothan (72 mi away)
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Located in Dothan, AL / 72 miles away from Panama City, FL
CarMax values transparency and wants you to love your next car, not settle on it. Certain vehicles may have unrepaired safety recalls. Check nhtsa.gov...
AutoCheck Vehicle History Summary
Accident Free Vehicle: No
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: Yes
Features and Specs:
25 Combined MPG (22 City/30 Highway)
Listing Information:
VIN: YV4162UK4L2179238
Stock: 26932525
Certified Pre-Owned: No- Price Drop$21,325great price$4,730 below market
- 42,225 miles
- 1 accident, 1 owner, personal use
- 5 Seats, 23 City / 31 Hwy MPG
- Volvo Cars North Miami (443 mi away)
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Located in Miami, FL / 443 miles away from Panama City, FL
Odometer is 23719 miles below market average! LEATHER INTERIOR*, SERVICE RECORDS AVAILABLE.Serving the South Florida area, Volvo Cars North Miami, loc...
AutoCheck Vehicle History Summary
Accident Free Vehicle: No
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
26 Combined MPG (23 City/31 Highway)
Listing Information:
VIN: YV4162UK7K2094022
Stock: P094022
Certified Pre-Owned: No
Listed since: 03-28-2025 - $17,000great price$2,244 below market
- 98,083 miles
- No accidents, 3 owners, personal use
- 5 Seats, 23 City / 31 Hwy MPG
- Merit Auto Group (245 mi away)
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Located in Jacksonville, FL / 245 miles away from Panama City, FL
Affordable Used Cars for Sale in Jacksonville, FL – Merit Auto GroupAt Merit Auto Group in Jacksonville, FL, we offer high-quality pre-owned vehicle...
AutoCheck Vehicle History Summary
Accident Free Vehicle: Yes
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
26 Combined MPG (23 City/31 Highway)
Listing Information:
VIN: YV4162UM4K2109786
Stock: 5746
Certified Pre-Owned: No
Listed since: 07-26-2025 - New ListingNot Priced
- 102,383 miles
- 5 Seats, 23 City / 33 Hwy MPG
- Don Franklin Chrysler Dodge Jeep Ram FIAT (480 mi away)
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Located in Somerset, KY / 480 miles away from Panama City, FL
23/33 City/Highway MPG 2020 Volvo FWD XC40 Momentum Black
AutoCheck Vehicle History Summary Unavailable.
Features and Specs:
27 Combined MPG (23 City/33 Highway)
Listing Information:
VIN: YV4AC2HK9L2270962
Stock: L2270962
Certified Pre-Owned: No
Listed since: 07-31-2025 - $24,686good price$3,564 below market
- 40,502 miles
- No accidents, 1 owner, personal use
- 5 Seats, 23 City / 31 Hwy MPG
- Bomnin Chevrolet Dadeland (452 mi away)
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Located in Miami, FL / 452 miles away from Panama City, FL
AutoCheck Vehicle History Summary
Accident Free Vehicle: Yes
Personal Use Only: Yes
History Provider: AutoCheck
Title Details: Clean Title
Salvage Vehicle: No
Frame Damage: No
Theft History: No
Lemon Status: No
Free History Report: No
Features and Specs:
26 Combined MPG (23 City/31 Highway)
Listing Information:
VIN: YV4162UL3K2077419
Stock: 2466343A
Certified Pre-Owned: No
Listed since: 02-14-2025
Showing 1 - 21 out of 543 listings
Consumer Reviews for the Volvo XC40
Read recent reviews for the Volvo XC40
An awesome compact SUV part 1
Raoul Watson, 01/11/2019
2019 Volvo XC40 T5 R-Design 4dr SUV AWD (2.0L 4cyl Turbo 8A)
This is the first Volvo I have ever owned in my life, my previous car was a 2015 Chevy Impala (see my review on the Impala). I always wanted a Volvo but always was apprehensive due to design and reliability reports from owners. The 2019 XC 40 however, seems to be a very solid crossover/SUV border lining a luxurious car.
1. Appearance: The 2019 Volvo XC 40 is a very handsome looking … compact SUV. It is the smallest version of the Volvo SUV and it seems a good crossover for "SUV beginners" like me. I like the fact that it is not too tall which would make entry a challenge.
Everything on the outside points to a very well thought off design. I was a little surprised that the placement of the side mirror on the side door is not a little bit further to the front. Because of this further back placement, when the driver looks at the side view mirror, there is a gap between the vehicle body and the mirror, which to me is a little annoying and takes a little getting used to.
2. Performance: The 2.0 liter turbocharged four cylinder 248-hp engine, 8 speed auto transmission is impressive. Just a little push on the gas and it goes from zero to sixty in about 7 seconds. The handling is nimble and almost sporty. The powertrain is quick and responsive but it has an annoying start and stop system. As with most newer cars, when you stop, the XC 40 idles the engine completely down to a point that the engine is shut off. This system would cause an abrupt jerking when restarting. The SUV would lurch forward when starting up from a stop light. It takes a while getting used to but I found out that it is better to release the brakes and wait two second before applying acceleration to avoid the lurching.
3. Safety: The XC 40 is loaded with the safety features found in luxury cars and as always, Volvo is synonymous with safety. ABS, traction, and stability control comes standard along with Volvo's City Safety package. This includes automatic emergency braking along with sensors to detect other vehicles, pedestrians, bicyclists, and other city perils in the vehicle’s path. It includes adaptive cruise control; forward collision warning; lane departure warning; blind spot warning (on the side mirrors); and rear cross-traffic alert making it the most complete crash avoidance system you can get. The optional Pilot Assist / driver assistance system is impressive. I tested it one evening and found that the system has good judgement identifying lane markings and responding to vehicles surrounding us. As a pilot I am not a stranger in trusting an "autopilot" system but with a car, because of the visualization interpretation, I would not be very comfortable trusting it 100%. For example, in NY the presence of highway construction means lanes are repainted so multiple crossing lanes would just confuse the pilot assist. So I would use it only on long distance good quality highways. The adaptive cruise control is convenient. It slows the vehicle during traffic slowdowns, and even stop the car to resume progress all on its own. With the addition of daylight running light of beautiful LEDs, all these safety features will give you a handsome insurance discount.
4. Ergonomics: In this department Volvo did not fare very well in my opinion. The human interface of the controls of this car is not always logical. For starters, the gear/transmission shifter it's horrible. It requires a two-step action. For example, to engage reverse or drive, one must move the gear selector twice; one to the back, then in the appropriate direction to select drive or reverse. This is extremely annoying during parking maneuvers and is very frustrating. Of course the argument could be that I should use the automated parking assistance but the shifter is just very unnatural for drivers. While you can operate almost every control from the steering wheel and the voice recognition is a nice addition, the central control screen is extremely convoluted and requires a high degree of learning curve. Coming from Volvo, particularly because it sees itself as a safety brand, the central control screen is just unsafe because it is almost impossible to operate safely while driving. There are too many unintuitive multiple taps, swipes and scrolls necessary to navigate the system. In addition, the system is awfully slow to respond. For example, changing a driver profile can take over a minute to load. If there are two things requiring a redesign, it would be the shifter and the control screen. The goal obviously should be to reduce the distraction and the precious seconds’ loss with eyes off the road to do basic functions as changing cabin temperature and audio source.
--see continuation on part 2 (5. Interior and Comfort, 6. Technology)
Used 2020 Volvo XC40 in Panama City, FL Values
Estimated values
2020 Volvo XC40 T4 Momentum 4dr SUV (2.0L 4cyl Turbo 8A) with no options
| Condition | Trade-In | Private Party | Dealer Retail |
|---|---|---|---|
| Outstanding | $15,561 | $17,757 | $19,868 |
| Clean | $15,278 | $17,432 | $19,502 |
| Average | $14,806 | $16,890 | $18,893 |
| Rough | $14,193 | $16,186 | $18,101 |
The average list price of a used 2020 Volvo XC40 in Panama City, Florida is $23,304. The average mileage on a used Volvo XC40 2020 for sale in Panama City, Florida is 59,726. Based on the average mileage of 59,726 for used 2020 Volvo XC40 for sale in Panama City, FL and using an average vehicle condition rating, which means the vehicle may have a few mechanical and/or cosmetic problems and may require a considerable amount of reconditioning, we appraise the average trade-in value of a used Volvo XC40 2020 in Panama City, Florida to be $14,806.
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