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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

$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

Ownership Costs: 5-Year Total

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

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$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
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$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
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$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
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$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
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$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
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$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
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$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
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$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
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$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
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$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
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$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
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$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
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$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
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$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.

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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.