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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

$55,587*

Total Cash Price

$26,895

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

True Cost to Own

$53,469*

Total Cash Price

$24,795

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

True Cost to Own

$56,503*

Total Cash Price

$28,065

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

True Cost to Own

$51,402*

Total Cash Price

$22,821

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

True Cost to Own

$53,556*

Total Cash Price

$25,869

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

True Cost to Own

$52,648*

Total Cash Price

$27,668

Ownership Costs: 5-Year Total

Depreciation

$14,052

Taxes & Fees

$3,414

Financing

$4,717

Fuel

$12,551

Insurance

$5,340

Repairs

$6,474

Maintenance

$9,039

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$1,006$1,036$1,067$1,099$1,132$5,340
Maintenance$2,906$1,422$1,046$326$3,339$9,039
Repairs$1,122$1,201$1,283$1,381$1,487$6,474
Taxes & Fees$2,331$346$290$243$204$3,414
Financing$1,616$1,304$968$609$220$4,717
Depreciation$4,729$2,513$2,638$2,323$1,849$14,052
Fuel$2,364$2,435$2,508$2,583$2,661$12,551
True Cost to Own®$16,074$10,257$9,800$8,564$10,892$55,587
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$1,006$1,036$1,067$1,099$1,132$5,340
Maintenance$2,906$1,422$1,046$326$3,339$9,039
Repairs$1,122$1,201$1,283$1,381$1,487$6,474
Taxes & Fees$2,150$319$267$224$188$3,148
Financing$1,490$1,202$893$560$204$4,349
Depreciation$4,427$2,193$2,304$2,029$1,615$12,568
Fuel$2,364$2,435$2,508$2,583$2,661$12,551
True Cost to Own®$15,465$9,808$9,368$8,202$10,626$53,469
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$1,006$1,036$1,067$1,099$1,132$5,340
Maintenance$2,906$1,422$1,046$326$3,339$9,039
Repairs$1,122$1,201$1,283$1,381$1,487$6,474
Taxes & Fees$2,432$361$302$254$213$3,562
Financing$1,686$1,361$1,011$634$230$4,922
Depreciation$4,524$2,719$2,856$2,515$2,001$14,615
Fuel$2,364$2,435$2,508$2,583$2,661$12,551
True Cost to Own®$16,040$10,535$10,073$8,792$11,063$56,503
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$1,020$1,051$1,082$1,115$1,148$5,416
Maintenance$2,906$1,412$1,046$326$3,328$9,018
Repairs$1,054$1,126$1,203$1,295$1,395$6,073
Taxes & Fees$1,980$294$246$206$173$2,899
Financing$1,371$1,107$821$516$188$4,003
Depreciation$4,060$2,119$2,226$1,959$1,559$11,923
Fuel$2,273$2,342$2,412$2,484$2,559$12,070
True Cost to Own®$14,664$9,451$9,036$7,901$10,350$51,402
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$1,020$1,051$1,082$1,115$1,148$5,416
Maintenance$2,906$1,412$1,046$326$3,328$9,018
Repairs$1,054$1,126$1,203$1,295$1,395$6,073
Taxes & Fees$2,243$333$279$234$196$3,285
Financing$1,554$1,254$932$585$212$4,537
Depreciation$4,305$2,386$2,505$2,205$1,756$13,157
Fuel$2,273$2,342$2,412$2,484$2,559$12,070
True Cost to Own®$15,355$9,904$9,459$8,244$10,594$53,556
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$1,020$1,051$1,082$1,115$1,148$5,416
Maintenance$1,552$1,412$1,046$326$1,975$6,311
Repairs$1,054$1,126$1,203$1,295$1,395$6,073
Taxes & Fees$2,398$356$298$250$210$3,512
Financing$1,662$1,342$996$626$227$4,853
Depreciation$5,067$2,519$2,646$2,328$1,853$14,413
Fuel$2,273$2,342$2,412$2,484$2,559$12,070
True Cost to Own®$15,026$10,148$9,683$8,424$9,367$52,648

*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.