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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

$51,362*

Total Cash Price

$25,878

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

True Cost to Own

$49,467*

Total Cash Price

$23,693

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

True Cost to Own

$52,207*

Total Cash Price

$26,949

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

True Cost to Own

$48,458*

Total Cash Price

$22,741

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

True Cost to Own

$49,864*

Total Cash Price

$24,765

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

True Cost to Own

$47,290*

Total Cash Price

$25,550

Ownership Costs: 5-Year Total

Depreciation

$13,919

Taxes & Fees

$2,125

Financing

$4,539

Fuel

$12,170

Insurance

$4,135

Repairs

$5,887

Maintenance

$8,587

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$779$802$826$851$877$4,135
Maintenance$2,780$1,349$983$306$3,169$8,587
Repairs$1,023$1,096$1,173$1,254$1,341$5,887
Taxes & Fees$1,941$46$46$46$46$2,125
Financing$1,555$1,254$932$585$213$4,539
Depreciation$4,780$2,433$2,596$2,309$1,801$13,919
Fuel$2,292$2,361$2,432$2,505$2,580$12,170
True Cost to Own®$15,150$9,341$8,988$7,856$10,027$51,362
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$779$802$826$851$877$4,135
Maintenance$2,780$1,349$983$306$3,169$8,587
Repairs$1,023$1,096$1,173$1,254$1,341$5,887
Taxes & Fees$1,801$46$46$46$46$1,985
Financing$1,424$1,148$853$536$195$4,156
Depreciation$4,234$2,214$2,361$2,100$1,638$12,547
Fuel$2,292$2,361$2,432$2,505$2,580$12,170
True Cost to Own®$14,333$9,016$8,674$7,598$9,846$49,467
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$779$802$826$851$877$4,135
Maintenance$2,780$1,349$983$306$3,169$8,587
Repairs$1,023$1,096$1,173$1,254$1,341$5,887
Taxes & Fees$2,010$46$46$46$46$2,194
Financing$1,619$1,307$970$610$221$4,727
Depreciation$4,833$2,576$2,749$2,443$1,906$14,507
Fuel$2,292$2,361$2,432$2,505$2,580$12,170
True Cost to Own®$15,336$9,537$9,179$8,015$10,140$52,207
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$775$798$822$847$872$4,114
Maintenance$2,780$1,340$983$306$3,159$8,568
Repairs$960$1,028$1,100$1,176$1,258$5,522
Taxes & Fees$1,740$46$46$46$46$1,924
Financing$1,366$1,103$819$514$187$3,989
Depreciation$4,629$2,133$2,275$2,023$1,579$12,639
Fuel$2,204$2,270$2,338$2,409$2,481$11,702
True Cost to Own®$14,454$8,718$8,383$7,321$9,582$48,458
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$775$798$822$847$872$4,114
Maintenance$2,780$1,340$983$306$3,159$8,568
Repairs$960$1,028$1,100$1,176$1,258$5,522
Taxes & Fees$1,870$46$46$46$46$2,054
Financing$1,488$1,201$891$560$204$4,344
Depreciation$4,359$2,450$2,614$2,324$1,813$13,560
Fuel$2,204$2,270$2,338$2,409$2,481$11,702
True Cost to Own®$14,436$9,133$8,794$7,668$9,833$49,864
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$775$798$822$847$872$4,114
Maintenance$1,438$1,340$983$306$1,817$5,884
Repairs$960$1,028$1,100$1,176$1,258$5,522
Taxes & Fees$1,920$46$46$46$46$2,104
Financing$1,535$1,239$920$578$209$4,481
Depreciation$4,511$2,390$2,548$2,266$1,768$13,483
Fuel$2,204$2,270$2,338$2,409$2,481$11,702
True Cost to Own®$13,343$9,111$8,757$7,628$8,451$47,290

*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.