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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

Ownership Costs: 5-Year Total

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

Selected Model:

2020 XC90 SUV T6 Momentum 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2020 XC90 SUV T5 Momentum 4dr SUV AWD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2020 XC90 SUV T6 Momentum 4dr SUV AWD (2.0L 4cyl Twincharger 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2020 XC90 SUV T6 Inscription 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2020 XC90 SUV T5 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2020 XC90 SUV T6 Inscription 4dr SUV AWD (2.0L 4cyl Twincharger 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2020 XC90 SUV T6 R-Design 4dr SUV AWD (2.0L 4cyl Twincharger 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2020 XC90 SUV T5 R-Design 4dr SUV AWD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2020 XC90 SUV T5 R-Design 4dr SUV (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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.

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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.