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Used 2021 Volvo XC40 Cost to Own

Total 5-Year Ownership Costs

XC40 SUV

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

True Cost to Own

$52,634*

Total Cash Price

$25,970

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

True Cost to Own

$50,225*

Total Cash Price

$22,817

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

True Cost to Own

$53,195*

Total Cash Price

$26,905

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

True Cost to Own

$49,369*

Total Cash Price

$22,527

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

True Cost to Own

$50,969*

Total Cash Price

$24,121

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

True Cost to Own

$48,360*

Total Cash Price

$25,304

Ownership Costs: 5-Year Total

Depreciation

$13,719

Taxes & Fees

$1,860

Financing

$4,555

Fuel

$11,213

Insurance

$6,753

Repairs

$5,941

Maintenance

$8,593

Ownership Costs: 5-Year Breakdown

Selected Model:

2021 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$1,272$1,310$1,349$1,390$1,432$6,753
Maintenance$2,780$1,351$986$306$3,170$8,593
Repairs$1,033$1,106$1,184$1,265$1,353$5,941
Taxes & Fees$1,616$61$61$61$61$1,860
Financing$1,560$1,259$936$587$213$4,555
Depreciation$4,335$2,512$2,712$2,367$1,793$13,719
Fuel$2,112$2,175$2,241$2,308$2,377$11,213
True Cost to Own®$14,708$9,774$9,469$8,284$10,399$52,634
Selected Model:

2021 XC40 SUV T5 Momentum 4dr SUV AWD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,272$1,310$1,349$1,390$1,432$6,753
Maintenance$2,780$1,351$986$306$3,170$8,593
Repairs$1,033$1,106$1,184$1,265$1,353$5,941
Taxes & Fees$1,431$61$61$61$61$1,675
Financing$1,371$1,106$822$516$187$4,002
Depreciation$4,416$2,043$2,205$1,925$1,459$12,048
Fuel$2,112$2,175$2,241$2,308$2,377$11,213
True Cost to Own®$14,415$9,152$8,848$7,771$10,039$50,225
Selected Model:

2021 XC40 SUV T5 Inscription 4dr SUV AWD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,272$1,310$1,349$1,390$1,432$6,753
Maintenance$2,780$1,351$986$306$3,170$8,593
Repairs$1,033$1,106$1,184$1,265$1,353$5,941
Taxes & Fees$1,671$61$61$61$61$1,915
Financing$1,617$1,304$969$608$221$4,719
Depreciation$4,600$2,534$2,733$2,386$1,808$14,061
Fuel$2,112$2,175$2,241$2,308$2,377$11,213
True Cost to Own®$15,085$9,841$9,523$8,324$10,422$53,195
Selected Model:

2021 XC40 SUV T4 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,284$1,323$1,362$1,403$1,445$6,817
Maintenance$2,780$1,341$986$306$3,160$8,573
Repairs$970$1,037$1,110$1,187$1,269$5,573
Taxes & Fees$1,414$61$61$61$61$1,658
Financing$1,354$1,092$811$509$185$3,951
Depreciation$4,062$2,130$2,296$2,006$1,520$12,014
Fuel$2,031$2,092$2,155$2,219$2,286$10,783
True Cost to Own®$13,895$9,076$8,781$7,691$9,926$49,369
Selected Model:

2021 XC40 SUV T4 R-Design 4dr SUV (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,284$1,323$1,362$1,403$1,445$6,817
Maintenance$2,780$1,341$986$306$3,160$8,573
Repairs$970$1,037$1,110$1,187$1,269$5,573
Taxes & Fees$1,507$61$61$61$61$1,751
Financing$1,449$1,170$868$546$198$4,231
Depreciation$4,478$2,347$2,531$2,210$1,675$13,241
Fuel$2,031$2,092$2,155$2,219$2,286$10,783
True Cost to Own®$14,499$9,371$9,073$7,932$10,094$50,969
Selected Model:

2021 XC40 SUV T4 Inscription 4dr SUV (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Insurance$1,284$1,323$1,362$1,403$1,445$6,817
Maintenance$1,445$1,341$986$306$1,825$5,903
Repairs$970$1,037$1,110$1,187$1,269$5,573
Taxes & Fees$1,577$61$61$61$61$1,821
Financing$1,520$1,227$911$573$207$4,438
Depreciation$4,494$2,285$2,464$2,152$1,630$13,025
Fuel$2,031$2,092$2,155$2,219$2,286$10,783
True Cost to Own®$13,321$9,366$9,049$7,901$8,723$48,360

*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.