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Used 2020 Volvo XC40 Cost to Own

Total 5-Year Ownership Costs

XC40 SUV

T5 Momentum 4dr SUV AWD (2.0L 4cyl Turbo 8A)

True Cost to Own

$46,502*

Total Cash Price

$21,918

T5 R-Design 4dr SUV AWD (2.0L 4cyl Turbo 8A)

True Cost to Own

$47,029*

Total Cash Price

$22,737

T5 Inscription 4dr SUV AWD (2.0L 4cyl Turbo 8A)

True Cost to Own

$47,726*

Total Cash Price

$22,621

T4 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)

True Cost to Own

$43,016*

Total Cash Price

$19,173

T4 R-Design 4dr SUV (2.0L 4cyl Turbo 8A)

True Cost to Own

$44,641*

Total Cash Price

$21,077

T4 Inscription 4dr SUV (2.0L 4cyl Turbo 8A)

True Cost to Own

$44,059*

Total Cash Price

$22,159

Ownership Costs: 5-Year Total

Depreciation

$10,621

Taxes & Fees

$2,730

Financing

$3,844

Fuel

$11,660

Insurance

$3,355

Repairs

$6,121

Maintenance

$8,171

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 XC40 SUV T5 Momentum 4dr SUV AWD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$632$651$670$691$711$3,355
Maintenance$1,322$960$300$2,972$2,617$8,171
Repairs$1,064$1,139$1,219$1,304$1,395$6,121
Taxes & Fees$1,568$337$307$274$244$2,730
Financing$1,317$1,063$789$495$180$3,844
Depreciation$3,895$2,332$1,837$1,494$1,063$10,621
Fuel$2,196$2,262$2,330$2,400$2,472$11,660
True Cost to Own®$11,994$8,744$7,452$9,630$8,682$46,502
Selected Model:

2020 XC40 SUV T5 R-Design 4dr SUV AWD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$632$651$670$691$711$3,355
Maintenance$1,322$960$300$2,972$2,617$8,171
Repairs$1,064$1,139$1,219$1,304$1,395$6,121
Taxes & Fees$1,626$349$317$283$252$2,827
Financing$1,366$1,102$819$514$187$3,988
Depreciation$3,637$2,520$1,986$1,615$1,149$10,907
Fuel$2,196$2,262$2,330$2,400$2,472$11,660
True Cost to Own®$11,843$8,983$7,641$9,779$8,783$47,029
Selected Model:

2020 XC40 SUV T5 Inscription 4dr SUV AWD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$632$651$670$691$711$3,355
Maintenance$1,322$960$300$2,972$2,617$8,171
Repairs$1,064$1,139$1,219$1,304$1,395$6,121
Taxes & Fees$1,617$347$316$282$251$2,813
Financing$1,359$1,097$815$511$185$3,967
Depreciation$4,486$2,479$1,954$1,589$1,131$11,639
Fuel$2,196$2,262$2,330$2,400$2,472$11,660
True Cost to Own®$12,676$8,935$7,604$9,749$8,762$47,726
Selected Model:

2020 XC40 SUV T4 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$628$647$666$686$707$3,334
Maintenance$1,313$960$300$2,962$2,617$8,152
Repairs$998$1,069$1,143$1,224$1,309$5,743
Taxes & Fees$1,376$298$271$243$216$2,404
Financing$1,152$930$690$433$158$3,363
Depreciation$3,422$2,008$1,583$1,287$916$9,216
Fuel$2,035$2,096$2,159$2,224$2,290$10,804
True Cost to Own®$10,924$8,008$6,812$9,059$8,213$43,016
Selected Model:

2020 XC40 SUV T4 R-Design 4dr SUV (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$632$651$670$691$711$3,355
Maintenance$1,313$960$300$2,962$2,617$8,152
Repairs$998$1,069$1,143$1,224$1,309$5,743
Taxes & Fees$1,509$325$296$264$235$2,629
Financing$1,266$1,022$759$477$173$3,697
Depreciation$3,857$2,220$1,750$1,422$1,012$10,261
Fuel$2,035$2,096$2,159$2,224$2,290$10,804
True Cost to Own®$11,610$8,343$7,077$9,264$8,347$44,641
Selected Model:

2020 XC40 SUV T4 Inscription 4dr SUV (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$632$651$670$691$711$3,355
Maintenance$1,313$960$300$1,656$2,617$6,846
Repairs$998$1,069$1,143$1,224$1,309$5,743
Taxes & Fees$1,585$341$310$277$246$2,759
Financing$1,331$1,075$798$501$181$3,886
Depreciation$4,434$2,160$1,703$1,384$985$10,666
Fuel$2,035$2,096$2,159$2,224$2,290$10,804
True Cost to Own®$12,328$8,352$7,083$7,957$8,339$44,059

*Based on a 5-year estimate with 15,000 miles driven per year.

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True Cost To Own®

Edmunds.com's True Cost to Own® (TCO®) is proprietary data that helps you estimate the total five-year cost of buying and owning a vehicle — including some items you may not have taken into consideration. A benefit of using our TCO® tool is that you can easily compare the five-year totals for different vehicles and make a more informed choice.