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
$58,339*
Total Cash Price
$27,533
T5 Momentum 4dr SUV AWD (2.0L 4cyl Turbo 8A)
True Cost to Own
$55,254*
Total Cash Price
$27,179
T6 Momentum 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$57,847*
Total Cash Price
$27,372
T6 Inscription 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger 8A)
True Cost to Own
$60,657*
Total Cash Price
$30,131
T5 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)
True Cost to Own
$51,031*
Total Cash Price
$24,449
T6 Inscription 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$61,124*
Total Cash Price
$30,315
T6 R-Design 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$58,672*
Total Cash Price
$31,292
T5 R-Design 4dr SUV AWD (2.0L 4cyl Turbo 8A)
True Cost to Own
$58,321*
Total Cash Price
$30,858
T5 R-Design 4dr SUV (2.0L 4cyl Turbo 8A)
True Cost to Own
$55,832*
Total Cash Price
$27,966
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
$62,402*
Total Cash Price
$34,389
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
$58,011*
Total Cash Price
$31,699
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
$59,561*
Total Cash Price
$34,200
T8 Inscription Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$62,401*
Total Cash Price
$33,968
T8 Momentum Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$60,017*
Total Cash Price
$33,415
Depreciation
$17,736
Taxes & Fees
$1,866
Financing
$4,829
Fuel
$13,761
Insurance
$4,678
Repairs
$5,542
Maintenance
$9,927
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 | $881 | $907 | $935 | $963 | $992 | $4,678 |
Maintenance | $1,380 | $863 | $2,058 | $3,269 | $2,357 | $9,927 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,422 | $111 | $111 | $111 | $111 | $1,866 |
Financing | $1,654 | $1,335 | $992 | $622 | $226 | $4,829 |
Depreciation | $5,580 | $3,490 | $3,374 | $2,792 | $2,500 | $17,736 |
Fuel | $2,592 | $2,670 | $2,750 | $2,832 | $2,917 | $13,761 |
True Cost to Own® | $14,468 | $10,405 | $11,323 | $11,772 | $10,371 | $58,339 |
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 | $873 | $899 | $926 | $954 | $983 | $4,635 |
Maintenance | $1,425 | $779 | $2,122 | $3,250 | $2,114 | $9,690 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,405 | $111 | $111 | $111 | $111 | $1,849 |
Financing | $1,633 | $1,318 | $978 | $615 | $223 | $4,767 |
Depreciation | $5,199 | $3,257 | $2,998 | $2,714 | $2,037 | $16,205 |
Fuel | $2,367 | $2,438 | $2,511 | $2,586 | $2,664 | $12,566 |
True Cost to Own® | $13,861 | $9,831 | $10,749 | $11,413 | $9,400 | $55,254 |
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 | $881 | $907 | $935 | $963 | $992 | $4,678 |
Maintenance | $1,380 | $863 | $2,058 | $3,269 | $2,357 | $9,927 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,414 | $111 | $111 | $111 | $111 | $1,858 |
Financing | $1,645 | $1,327 | $985 | $619 | $225 | $4,801 |
Depreciation | $5,908 | $3,128 | $2,973 | $2,917 | $2,354 | $17,280 |
Fuel | $2,592 | $2,670 | $2,750 | $2,832 | $2,917 | $13,761 |
True Cost to Own® | $14,779 | $10,035 | $10,915 | $11,894 | $10,224 | $57,847 |
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 | $893 | $920 | $947 | $976 | $1,005 | $4,741 |
Maintenance | $1,380 | $863 | $2,058 | $3,269 | $2,357 | $9,927 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,545 | $111 | $111 | $111 | $111 | $1,989 |
Financing | $1,810 | $1,461 | $1,085 | $682 | $247 | $5,285 |
Depreciation | $5,937 | $3,850 | $3,722 | $3,144 | $2,759 | $19,412 |
Fuel | $2,592 | $2,670 | $2,750 | $2,832 | $2,917 | $13,761 |
True Cost to Own® | $15,116 | $10,904 | $11,776 | $12,197 | $10,664 | $60,657 |
2020 XC90 SUV T5 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $854 | $880 | $906 | $933 | $961 | $4,534 |
Maintenance | $1,421 | $779 | $2,041 | $3,330 | $2,114 | $9,685 |
Repairs | $900 | $966 | $1,035 | $1,110 | $1,190 | $5,201 |
Taxes & Fees | $1,275 | $111 | $111 | $111 | $111 | $1,719 |
Financing | $1,469 | $1,185 | $881 | $553 | $200 | $4,288 |
Depreciation | $4,334 | $2,672 | $2,551 | $2,492 | $1,992 | $14,041 |
Fuel | $2,178 | $2,243 | $2,311 | $2,380 | $2,451 | $11,563 |
True Cost to Own® | $12,431 | $8,836 | $9,836 | $10,909 | $9,019 | $51,031 |
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 | $893 | $920 | $947 | $976 | $1,005 | $4,741 |
Maintenance | $1,380 | $863 | $2,058 | $3,269 | $2,357 | $9,927 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,554 | $111 | $111 | $111 | $111 | $1,998 |
Financing | $1,821 | $1,470 | $1,092 | $685 | $249 | $5,317 |
Depreciation | $6,071 | $3,760 | $3,761 | $3,378 | $2,868 | $19,838 |
Fuel | $2,592 | $2,670 | $2,750 | $2,832 | $2,917 | $13,761 |
True Cost to Own® | $15,270 | $10,823 | $11,822 | $12,434 | $10,775 | $61,124 |
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 | $834 | $859 | $885 | $911 | $939 | $4,428 |
Maintenance | $1,380 | $863 | $2,058 | $3,269 | $2,357 | $9,927 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,601 | $111 | $111 | $111 | $111 | $2,045 |
Financing | $1,880 | $1,517 | $1,127 | $708 | $256 | $5,488 |
Depreciation | $5,876 | $3,556 | $3,221 | $2,791 | $2,037 | $17,481 |
Fuel | $2,592 | $2,670 | $2,750 | $2,832 | $2,917 | $13,761 |
True Cost to Own® | $15,122 | $10,605 | $11,255 | $11,805 | $9,885 | $58,672 |
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 | $830 | $855 | $881 | $907 | $934 | $4,407 |
Maintenance | $1,425 | $779 | $2,122 | $3,250 | $2,114 | $9,690 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,580 | $111 | $111 | $111 | $111 | $2,024 |
Financing | $1,854 | $1,496 | $1,111 | $698 | $253 | $5,412 |
Depreciation | $5,493 | $3,901 | $3,593 | $3,252 | $2,441 | $18,680 |
Fuel | $2,367 | $2,438 | $2,511 | $2,586 | $2,664 | $12,566 |
True Cost to Own® | $14,508 | $10,609 | $11,432 | $11,987 | $9,785 | $58,321 |
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 | $829 | $854 | $879 | $906 | $933 | $4,401 |
Maintenance | $1,421 | $779 | $2,041 | $3,330 | $2,114 | $9,685 |
Repairs | $900 | $966 | $1,035 | $1,110 | $1,190 | $5,201 |
Taxes & Fees | $1,442 | $111 | $111 | $111 | $111 | $1,886 |
Financing | $1,680 | $1,356 | $1,007 | $633 | $229 | $4,905 |
Depreciation | $4,997 | $3,877 | $3,646 | $3,067 | $2,604 | $18,191 |
Fuel | $2,178 | $2,243 | $2,311 | $2,380 | $2,451 | $11,563 |
True Cost to Own® | $13,447 | $10,186 | $11,030 | $11,537 | $9,632 | $55,832 |
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 | $879 | $905 | $933 | $961 | $989 | $4,667 |
Maintenance | $1,380 | $863 | $2,058 | $3,185 | $2,357 | $9,843 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,748 | $111 | $111 | $111 | $111 | $2,192 |
Financing | $2,066 | $1,667 | $1,239 | $777 | $282 | $6,031 |
Depreciation | $6,221 | $5,081 | $4,912 | $4,488 | $2,710 | $23,412 |
Fuel | $2,018 | $2,079 | $2,141 | $2,205 | $2,272 | $10,715 |
True Cost to Own® | $15,271 | $11,735 | $12,497 | $12,910 | $9,989 | $62,402 |
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 | $879 | $905 | $933 | $961 | $989 | $4,667 |
Maintenance | $1,380 | $863 | $2,058 | $3,185 | $2,357 | $9,843 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,620 | $111 | $111 | $111 | $111 | $2,064 |
Financing | $1,905 | $1,536 | $1,142 | $717 | $260 | $5,560 |
Depreciation | $5,162 | $4,278 | $3,938 | $3,566 | $2,676 | $19,620 |
Fuel | $2,018 | $2,079 | $2,141 | $2,205 | $2,272 | $10,715 |
True Cost to Own® | $13,923 | $10,801 | $11,426 | $11,928 | $9,933 | $58,011 |
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 | $879 | $905 | $933 | $961 | $989 | $4,667 |
Maintenance | $1,380 | $863 | $2,058 | $3,185 | $2,357 | $9,843 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,739 | $111 | $111 | $111 | $111 | $2,183 |
Financing | $2,055 | $1,658 | $1,232 | $773 | $280 | $5,998 |
Depreciation | $7,268 | $4,930 | $3,710 | $2,728 | $1,977 | $20,613 |
Fuel | $2,018 | $2,079 | $2,141 | $2,205 | $2,272 | $10,715 |
True Cost to Own® | $16,298 | $11,575 | $11,288 | $11,146 | $9,254 | $59,561 |
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 | $879 | $905 | $933 | $961 | $989 | $4,667 |
Maintenance | $1,380 | $863 | $2,058 | $3,185 | $2,357 | $9,843 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,728 | $111 | $111 | $111 | $111 | $2,172 |
Financing | $2,041 | $1,647 | $1,223 | $768 | $279 | $5,958 |
Depreciation | $5,152 | $4,973 | $5,684 | $4,489 | $3,206 | $23,504 |
Fuel | $2,018 | $2,079 | $2,141 | $2,205 | $2,272 | $10,715 |
True Cost to Own® | $14,157 | $11,607 | $13,253 | $12,902 | $10,482 | $62,401 |
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 | $879 | $905 | $933 | $961 | $989 | $4,667 |
Maintenance | $1,380 | $863 | $2,058 | $3,185 | $2,357 | $9,843 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,702 | $111 | $111 | $111 | $111 | $2,146 |
Financing | $2,008 | $1,620 | $1,203 | $756 | $274 | $5,861 |
Depreciation | $6,286 | $4,274 | $4,131 | $3,418 | $3,134 | $21,243 |
Fuel | $2,018 | $2,079 | $2,141 | $2,205 | $2,272 | $10,715 |
True Cost to Own® | $15,232 | $10,881 | $11,680 | $11,819 | $10,405 | $60,017 |
*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.