Used 2020 Volvo XC90 Cost to Own
Total 5-Year Ownership Costs
XC90 SUV
T6 Momentum 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger 8A)
True Cost to Own
$60,455*
Total Cash Price
$27,904
T5 Momentum 4dr SUV AWD (2.0L 4cyl Turbo 8A)
True Cost to Own
$57,408*
Total Cash Price
$27,320
T6 Momentum 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$60,084*
Total Cash Price
$27,884
T6 Inscription 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger 8A)
True Cost to Own
$62,369*
Total Cash Price
$30,092
T5 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)
True Cost to Own
$53,205*
Total Cash Price
$24,610
T6 Inscription 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$63,181*
Total Cash Price
$30,671
T6 R-Design 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$60,183*
Total Cash Price
$30,537
T5 R-Design 4dr SUV AWD (2.0L 4cyl Turbo 8A)
True Cost to Own
$61,028*
Total Cash Price
$31,345
T5 R-Design 4dr SUV (2.0L 4cyl Turbo 8A)
True Cost to Own
$58,136*
Total Cash Price
$28,075
XC90 Plug-in Hybrid
T8 Inscription Twin Engine Plug-In Hybrid 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$64,870*
Total Cash Price
$34,933
T8 Momentum Twin Engine Plug-In Hybrid 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$60,455*
Total Cash Price
$32,234
T8 R-Design Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$62,009*
Total Cash Price
$34,720
T8 Inscription Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$64,442*
Total Cash Price
$34,052
T8 Momentum Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$62,233*
Total Cash Price
$33,676
Depreciation
$17,705
Taxes & Fees
$1,980
Financing
$4,894
Fuel
$15,353
Insurance
$4,428
Repairs
$5,832
Maintenance
$10,263
Ownership Costs: 5-Year Breakdown
2020 XC90 SUV T6 Momentum 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $834 | $859 | $885 | $911 | $939 | $4,428 |
Maintenance | $1,432 | $902 | $2,102 | $3,374 | $2,453 | $10,263 |
Repairs | $1,012 | $1,084 | $1,161 | $1,244 | $1,331 | $5,832 |
Taxes & Fees | $1,840 | $35 | $35 | $35 | $35 | $1,980 |
Financing | $1,677 | $1,352 | $1,005 | $631 | $229 | $4,894 |
Depreciation | $5,570 | $3,484 | $3,368 | $2,787 | $2,496 | $17,705 |
Fuel | $2,892 | $2,978 | $3,068 | $3,160 | $3,255 | $15,353 |
True Cost to Own® | $15,257 | $10,694 | $11,624 | $12,142 | $10,738 | $60,455 |
2020 XC90 SUV T5 Momentum 4dr SUV AWD (2.0L 4cyl Turbo 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $898 | $925 | $953 | $981 | $1,011 | $4,768 |
Maintenance | $1,479 | $815 | $2,171 | $3,353 | $2,193 | $10,011 |
Repairs | $1,012 | $1,084 | $1,161 | $1,244 | $1,331 | $5,832 |
Taxes & Fees | $1,802 | $35 | $35 | $35 | $35 | $1,942 |
Financing | $1,641 | $1,325 | $984 | $618 | $224 | $4,792 |
Depreciation | $5,147 | $3,225 | $2,968 | $2,687 | $2,017 | $16,044 |
Fuel | $2,641 | $2,720 | $2,801 | $2,885 | $2,972 | $14,019 |
True Cost to Own® | $14,620 | $10,129 | $11,073 | $11,803 | $9,783 | $57,408 |
2020 XC90 SUV T6 Momentum 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $834 | $859 | $885 | $911 | $939 | $4,428 |
Maintenance | $1,432 | $902 | $2,102 | $3,374 | $2,453 | $10,263 |
Repairs | $1,012 | $1,084 | $1,161 | $1,244 | $1,331 | $5,832 |
Taxes & Fees | $1,839 | $35 | $35 | $35 | $35 | $1,979 |
Financing | $1,675 | $1,352 | $1,004 | $631 | $229 | $4,891 |
Depreciation | $5,928 | $3,138 | $2,983 | $2,927 | $2,362 | $17,338 |
Fuel | $2,892 | $2,978 | $3,068 | $3,160 | $3,255 | $15,353 |
True Cost to Own® | $15,612 | $10,348 | $11,238 | $12,282 | $10,604 | $60,084 |
2020 XC90 SUV T6 Inscription 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $835 | $860 | $886 | $912 | $940 | $4,433 |
Maintenance | $1,432 | $902 | $2,102 | $3,374 | $2,453 | $10,263 |
Repairs | $1,012 | $1,084 | $1,161 | $1,244 | $1,331 | $5,832 |
Taxes & Fees | $1,981 | $35 | $35 | $35 | $35 | $2,121 |
Financing | $1,808 | $1,459 | $1,084 | $680 | $247 | $5,278 |
Depreciation | $5,839 | $3,786 | $3,660 | $3,091 | $2,713 | $19,089 |
Fuel | $2,892 | $2,978 | $3,068 | $3,160 | $3,255 | $15,353 |
True Cost to Own® | $15,799 | $11,104 | $11,996 | $12,496 | $10,974 | $62,369 |
2020 XC90 SUV T5 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $908 | $935 | $963 | $992 | $1,022 | $4,820 |
Maintenance | $1,475 | $815 | $2,083 | $3,439 | $2,193 | $10,005 |
Repairs | $949 | $1,017 | $1,089 | $1,167 | $1,249 | $5,471 |
Taxes & Fees | $1,627 | $35 | $35 | $35 | $35 | $1,767 |
Financing | $1,479 | $1,193 | $886 | $556 | $202 | $4,316 |
Depreciation | $4,298 | $2,650 | $2,530 | $2,471 | $1,976 | $13,925 |
Fuel | $2,430 | $2,503 | $2,578 | $2,655 | $2,735 | $12,901 |
True Cost to Own® | $13,166 | $9,148 | $10,164 | $11,315 | $9,412 | $53,205 |
2020 XC90 SUV T6 Inscription 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $835 | $860 | $886 | $912 | $940 | $4,433 |
Maintenance | $1,432 | $902 | $2,102 | $3,374 | $2,453 | $10,263 |
Repairs | $1,012 | $1,084 | $1,161 | $1,244 | $1,331 | $5,832 |
Taxes & Fees | $2,019 | $35 | $35 | $35 | $35 | $2,159 |
Financing | $1,843 | $1,487 | $1,104 | $694 | $251 | $5,379 |
Depreciation | $6,048 | $3,745 | $3,747 | $3,365 | $2,857 | $19,762 |
Fuel | $2,892 | $2,978 | $3,068 | $3,160 | $3,255 | $15,353 |
True Cost to Own® | $16,081 | $11,091 | $12,103 | $12,784 | $11,122 | $63,181 |
2020 XC90 SUV T6 R-Design 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $835 | $860 | $886 | $912 | $940 | $4,433 |
Maintenance | $1,432 | $902 | $2,102 | $3,374 | $2,453 | $10,263 |
Repairs | $1,012 | $1,084 | $1,161 | $1,244 | $1,331 | $5,832 |
Taxes & Fees | $2,010 | $35 | $35 | $35 | $35 | $2,150 |
Financing | $1,835 | $1,480 | $1,100 | $690 | $251 | $5,356 |
Depreciation | $5,645 | $3,416 | $3,095 | $2,682 | $1,958 | $16,796 |
Fuel | $2,892 | $2,978 | $3,068 | $3,160 | $3,255 | $15,353 |
True Cost to Own® | $15,661 | $10,755 | $11,447 | $12,097 | $10,223 | $60,183 |
2020 XC90 SUV T5 R-Design 4dr SUV AWD (2.0L 4cyl Turbo 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $901 | $928 | $956 | $985 | $1,014 | $4,784 |
Maintenance | $1,479 | $815 | $2,171 | $3,353 | $2,193 | $10,011 |
Repairs | $1,012 | $1,084 | $1,161 | $1,244 | $1,331 | $5,832 |
Taxes & Fees | $2,062 | $35 | $35 | $35 | $35 | $2,202 |
Financing | $1,883 | $1,520 | $1,129 | $708 | $258 | $5,498 |
Depreciation | $5,493 | $3,902 | $3,594 | $3,252 | $2,441 | $18,682 |
Fuel | $2,641 | $2,720 | $2,801 | $2,885 | $2,972 | $14,019 |
True Cost to Own® | $15,471 | $11,004 | $11,847 | $12,462 | $10,244 | $61,028 |
2020 XC90 SUV T5 R-Design 4dr SUV (2.0L 4cyl Turbo 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $915 | $942 | $971 | $1,000 | $1,030 | $4,858 |
Maintenance | $1,475 | $815 | $2,083 | $3,439 | $2,193 | $10,005 |
Repairs | $949 | $1,017 | $1,089 | $1,167 | $1,249 | $5,471 |
Taxes & Fees | $1,851 | $35 | $35 | $35 | $35 | $1,991 |
Financing | $1,687 | $1,361 | $1,011 | $635 | $230 | $4,924 |
Depreciation | $4,941 | $3,833 | $3,605 | $3,032 | $2,575 | $17,986 |
Fuel | $2,430 | $2,503 | $2,578 | $2,655 | $2,735 | $12,901 |
True Cost to Own® | $14,248 | $10,506 | $11,372 | $11,963 | $10,047 | $58,136 |
2020 XC90 Plug-in Hybrid T8 Inscription Twin Engine Plug-In Hybrid 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $930 | $958 | $987 | $1,016 | $1,047 | $4,938 |
Maintenance | $1,432 | $902 | $2,102 | $3,284 | $2,453 | $10,173 |
Repairs | $1,012 | $1,084 | $1,161 | $1,244 | $1,331 | $5,832 |
Taxes & Fees | $2,294 | $35 | $35 | $35 | $35 | $2,434 |
Financing | $2,099 | $1,694 | $1,258 | $789 | $287 | $6,127 |
Depreciation | $6,221 | $5,080 | $4,912 | $4,488 | $2,710 | $23,411 |
Fuel | $2,252 | $2,319 | $2,389 | $2,461 | $2,534 | $11,955 |
True Cost to Own® | $16,240 | $12,072 | $12,844 | $13,317 | $10,397 | $64,870 |
2020 XC90 Plug-in Hybrid T8 Momentum Twin Engine Plug-In Hybrid 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $930 | $958 | $987 | $1,016 | $1,047 | $4,938 |
Maintenance | $1,432 | $902 | $2,102 | $3,284 | $2,453 | $10,173 |
Repairs | $1,012 | $1,084 | $1,161 | $1,244 | $1,331 | $5,832 |
Taxes & Fees | $2,120 | $35 | $35 | $35 | $35 | $2,260 |
Financing | $1,937 | $1,563 | $1,160 | $729 | $265 | $5,654 |
Depreciation | $5,168 | $4,283 | $3,943 | $3,570 | $2,679 | $19,643 |
Fuel | $2,252 | $2,319 | $2,389 | $2,461 | $2,534 | $11,955 |
True Cost to Own® | $14,851 | $11,144 | $11,777 | $12,339 | $10,344 | $60,455 |
2020 XC90 Plug-in Hybrid T8 R-Design Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $930 | $958 | $987 | $1,016 | $1,047 | $4,938 |
Maintenance | $1,432 | $902 | $2,102 | $3,284 | $2,453 | $10,173 |
Repairs | $1,012 | $1,084 | $1,161 | $1,244 | $1,331 | $5,832 |
Taxes & Fees | $2,281 | $35 | $35 | $35 | $35 | $2,421 |
Financing | $2,086 | $1,683 | $1,251 | $785 | $285 | $6,090 |
Depreciation | $7,263 | $4,927 | $3,708 | $2,726 | $1,976 | $20,600 |
Fuel | $2,252 | $2,319 | $2,389 | $2,461 | $2,534 | $11,955 |
True Cost to Own® | $17,256 | $11,908 | $11,633 | $11,551 | $9,661 | $62,009 |
2020 XC90 Plug-in Hybrid T8 Inscription Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $930 | $958 | $987 | $1,016 | $1,047 | $4,938 |
Maintenance | $1,432 | $902 | $2,102 | $3,284 | $2,453 | $10,173 |
Repairs | $1,012 | $1,084 | $1,161 | $1,244 | $1,331 | $5,832 |
Taxes & Fees | $2,237 | $35 | $35 | $35 | $35 | $2,377 |
Financing | $2,046 | $1,651 | $1,226 | $770 | $279 | $5,972 |
Depreciation | $5,084 | $4,908 | $5,609 | $4,430 | $3,164 | $23,195 |
Fuel | $2,252 | $2,319 | $2,389 | $2,461 | $2,534 | $11,955 |
True Cost to Own® | $14,993 | $11,857 | $13,509 | $13,240 | $10,843 | $64,442 |
2020 XC90 Plug-in Hybrid T8 Momentum Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $930 | $958 | $987 | $1,016 | $1,047 | $4,938 |
Maintenance | $1,432 | $902 | $2,102 | $3,284 | $2,453 | $10,173 |
Repairs | $1,012 | $1,084 | $1,161 | $1,244 | $1,331 | $5,832 |
Taxes & Fees | $2,213 | $35 | $35 | $35 | $35 | $2,353 |
Financing | $2,023 | $1,633 | $1,213 | $761 | $276 | $5,906 |
Depreciation | $6,236 | $4,241 | $4,099 | $3,391 | $3,109 | $21,076 |
Fuel | $2,252 | $2,319 | $2,389 | $2,461 | $2,534 | $11,955 |
True Cost to Own® | $16,098 | $11,172 | $11,986 | $12,192 | $10,785 | $62,233 |
*Based on a 5-year estimate with 15,000 miles driven per year.
Shop nowLearn about the 2020 XC90True 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.