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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

$48,894*

Total Cash Price

$24,060

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

True Cost to Own

$47,496*

Total Cash Price

$22,169

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

True Cost to Own

$49,608*

Total Cash Price

$24,362

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

True Cost to Own

$45,083*

Total Cash Price

$20,597

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

True Cost to Own

$47,156*

Total Cash Price

$23,167

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

True Cost to Own

$45,240*

Total Cash Price

$24,284

Ownership Costs: 5-Year Total

Depreciation

$12,086

Taxes & Fees

$1,734

Financing

$4,220

Fuel

$13,093

Insurance

$3,897

Repairs

$5,554

Maintenance

$8,310

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$734$756$779$802$826$3,897
Maintenance$2,690$1,310$947$295$3,068$8,310
Repairs$963$1,033$1,106$1,184$1,268$5,554
Taxes & Fees$1,594$35$35$35$35$1,734
Financing$1,446$1,166$867$544$197$4,220
Depreciation$3,819$2,236$2,366$2,021$1,644$12,086
Fuel$2,466$2,540$2,616$2,695$2,776$13,093
True Cost to Own®$13,712$9,076$8,716$7,576$9,814$48,894
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$734$756$779$802$826$3,897
Maintenance$2,690$1,310$947$295$3,068$8,310
Repairs$963$1,033$1,106$1,184$1,268$5,554
Taxes & Fees$1,471$35$35$35$35$1,611
Financing$1,332$1,075$798$501$182$3,888
Depreciation$3,761$1,997$2,113$1,805$1,467$11,143
Fuel$2,466$2,540$2,616$2,695$2,776$13,093
True Cost to Own®$13,417$8,746$8,394$7,317$9,622$47,496
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$734$756$779$802$826$3,897
Maintenance$2,690$1,310$947$295$3,068$8,310
Repairs$963$1,033$1,106$1,184$1,268$5,554
Taxes & Fees$1,613$35$35$35$35$1,753
Financing$1,464$1,181$877$551$200$4,273
Depreciation$4,288$2,284$2,415$2,064$1,677$12,728
Fuel$2,466$2,540$2,616$2,695$2,776$13,093
True Cost to Own®$14,218$9,139$8,775$7,626$9,850$49,608
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$717$739$761$783$807$3,807
Maintenance$2,690$1,302$947$295$3,059$8,293
Repairs$904$969$1,038$1,111$1,190$5,212
Taxes & Fees$1,370$35$35$35$35$1,510
Financing$1,238$998$742$466$169$3,613
Depreciation$3,303$1,828$1,933$1,652$1,342$10,058
Fuel$2,371$2,443$2,516$2,591$2,669$12,590
True Cost to Own®$12,593$8,314$7,972$6,933$9,271$45,083
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$717$739$761$783$807$3,807
Maintenance$2,690$1,302$947$295$3,059$8,293
Repairs$904$969$1,038$1,111$1,190$5,212
Taxes & Fees$1,536$35$35$35$35$1,676
Financing$1,392$1,123$834$524$190$4,063
Depreciation$3,736$2,104$2,227$1,902$1,546$11,515
Fuel$2,371$2,443$2,516$2,591$2,669$12,590
True Cost to Own®$13,346$8,715$8,358$7,241$9,496$47,156
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$717$739$761$783$807$3,807
Maintenance$1,373$1,302$947$295$1,742$5,659
Repairs$904$969$1,038$1,111$1,190$5,212
Taxes & Fees$1,608$35$35$35$35$1,748
Financing$1,459$1,177$875$549$199$4,259
Depreciation$4,395$2,047$2,167$1,851$1,505$11,965
Fuel$2,371$2,443$2,516$2,591$2,669$12,590
True Cost to Own®$12,827$8,712$8,339$7,215$8,147$45,240

*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.