2020 Volvo XC90 Cost to Own

Total 5-Year Ownership Costs

Near ZIP

XC90 SUV

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

True Cost to Own

$69,670*

Total Cash Price

$57,577

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

True Cost to Own

$94,055*

Total Cash Price

$77,729

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

True Cost to Own

$100,325*

Total Cash Price

$82,911

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

True Cost to Own

$84,997*

Total Cash Price

$70,244

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

True Cost to Own

$85,694*

Total Cash Price

$70,820

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

True Cost to Own

$99,628*

Total Cash Price

$82,335

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

True Cost to Own

$98,235*

Total Cash Price

$81,184

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

True Cost to Own

$75,940*

Total Cash Price

$62,759

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

True Cost to Own

$98,235*

Total Cash Price

$81,184

XC90 Hybrid

T8 R-Design Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric hybrid 8A)

True Cost to Own

$87,088*

Total Cash Price

$71,971

T8 Inscription Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric hybrid 8A)

True Cost to Own

$85,694*

Total Cash Price

$70,820

T8 Momentum Twin Engine Plug-In Hybrid 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger gas/electric hybrid 8A)

True Cost to Own

$99,628*

Total Cash Price

$82,335

T8 Inscription Twin Engine Plug-In Hybrid 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger gas/electric hybrid 8A)

True Cost to Own

$96,841*

Total Cash Price

$80,032

T8 Momentum Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric hybrid 8A)

True Cost to Own

$101,022*

Total Cash Price

$83,487

Ownership Costs: 5-Year Total

Depreciation

$34,198

Taxes & Fees

$2,532

Financing

$9,000

Fuel

$10,652

Insurance

$4,804

Repairs

$2,049

Maintenance

$6,435

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
Tax Credit$0$0$0$0$0$0
Insurance$896$927$960$993$1,028$4,804
Maintenance$109$374$688$2,775$2,489$6,435
Repairs$0$0$0$807$1,242$2,049
Taxes & Fees$2,348$46$46$46$46$2,532
Financing$3,097$2,490$1,843$1,153$417$9,000
Depreciation$13,635$5,819$4,754$5,333$4,657$34,198
Fuel$2,006$2,067$2,129$2,192$2,258$10,652
True Cost to Own®$22,091$11,723$10,420$13,299$12,137$69,670

Ownership Costs: 5-Year Breakdown

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
Tax Credit$0$0$0$0$0$0
Insurance$1,210$1,251$1,296$1,341$1,388$6,485
Maintenance$147$505$929$3,746$3,360$8,687
Repairs$0$0$0$1,089$1,677$2,766
Taxes & Fees$3,170$62$62$62$62$3,418
Financing$4,181$3,362$2,488$1,557$563$12,150
Depreciation$18,407$7,856$6,418$7,200$6,287$46,167
Fuel$2,708$2,790$2,874$2,959$3,048$14,380
True Cost to Own®$29,823$15,826$14,067$17,954$16,385$94,055

Ownership Costs: 5-Year Breakdown

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
Tax Credit$0$0$0$0$0$0
Insurance$1,290$1,335$1,382$1,430$1,480$6,918
Maintenance$157$539$991$3,996$3,584$9,266
Repairs$0$0$0$1,162$1,788$2,951
Taxes & Fees$3,381$66$66$66$66$3,646
Financing$4,460$3,586$2,654$1,660$600$12,960
Depreciation$19,634$8,379$6,846$7,680$6,706$49,245
Fuel$2,889$2,976$3,066$3,156$3,252$15,339
True Cost to Own®$31,811$16,881$15,005$19,151$17,477$100,325

Ownership Costs: 5-Year Breakdown

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
Tax Credit$0$0$0$0$0$0
Insurance$1,093$1,131$1,171$1,211$1,254$5,861
Maintenance$133$456$839$3,386$3,037$7,851
Repairs$0$0$0$985$1,515$2,500
Taxes & Fees$2,865$56$56$56$56$3,089
Financing$3,778$3,038$2,248$1,407$509$10,980
Depreciation$16,635$7,099$5,800$6,506$5,682$41,722
Fuel$2,447$2,522$2,597$2,674$2,755$12,995
True Cost to Own®$26,951$14,302$12,712$16,225$14,807$84,997

Ownership Costs: 5-Year Breakdown

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
Tax Credit$0$0$0$0$0$0
Insurance$1,102$1,140$1,181$1,221$1,264$5,909
Maintenance$134$460$846$3,413$3,061$7,915
Repairs$0$0$0$993$1,528$2,520
Taxes & Fees$2,888$57$57$57$57$3,114
Financing$3,809$3,063$2,267$1,418$513$11,070
Depreciation$16,771$7,157$5,847$6,560$5,728$42,064
Fuel$2,467$2,542$2,619$2,696$2,777$13,102
True Cost to Own®$27,172$14,419$12,817$16,358$14,929$85,694

Ownership Costs: 5-Year Breakdown

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
Tax Credit$0$0$0$0$0$0
Insurance$1,281$1,326$1,373$1,420$1,470$6,870
Maintenance$156$535$984$3,968$3,559$9,202
Repairs$0$0$0$1,154$1,776$2,930
Taxes & Fees$3,358$66$66$66$66$3,621
Financing$4,429$3,561$2,635$1,649$596$12,870
Depreciation$19,498$8,321$6,798$7,626$6,660$48,903
Fuel$2,869$2,956$3,044$3,135$3,229$15,232
True Cost to Own®$31,590$16,764$14,901$19,018$17,356$99,628

Ownership Costs: 5-Year Breakdown

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
Tax Credit$0$0$0$0$0$0
Insurance$1,263$1,307$1,354$1,400$1,449$6,774
Maintenance$154$527$970$3,913$3,509$9,073
Repairs$0$0$0$1,138$1,751$2,889
Taxes & Fees$3,311$65$65$65$65$3,570
Financing$4,367$3,511$2,599$1,626$588$12,690
Depreciation$19,225$8,205$6,703$7,520$6,566$48,219
Fuel$2,828$2,914$3,002$3,091$3,184$15,019
True Cost to Own®$31,148$16,529$14,692$18,752$17,113$98,235

Ownership Costs: 5-Year Breakdown

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
Tax Credit$0$0$0$0$0$0
Insurance$977$1,010$1,046$1,082$1,121$5,236
Maintenance$119$408$750$3,025$2,713$7,014
Repairs$0$0$0$880$1,354$2,233
Taxes & Fees$2,559$50$50$50$50$2,760
Financing$3,376$2,714$2,009$1,257$455$9,810
Depreciation$14,862$6,343$5,182$5,813$5,076$37,276
Fuel$2,187$2,253$2,321$2,389$2,461$11,611
True Cost to Own®$24,079$12,778$11,358$14,496$13,229$75,940

Ownership Costs: 5-Year Breakdown

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
Tax Credit$0$0$0$0$0$0
Insurance$1,263$1,307$1,354$1,400$1,449$6,774
Maintenance$154$527$970$3,913$3,509$9,073
Repairs$0$0$0$1,138$1,751$2,889
Taxes & Fees$3,311$65$65$65$65$3,570
Financing$4,367$3,511$2,599$1,626$588$12,690
Depreciation$19,225$8,205$6,703$7,520$6,566$48,219
Fuel$2,828$2,914$3,002$3,091$3,184$15,019
True Cost to Own®$31,148$16,529$14,692$18,752$17,113$98,235

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 XC90 Hybrid T8 R-Design Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric hybrid 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,120$1,159$1,200$1,241$1,285$6,005
Maintenance$136$468$860$3,469$3,111$8,044
Repairs$0$0$0$1,009$1,553$2,561
Taxes & Fees$2,935$58$58$58$58$3,165
Financing$3,871$3,113$2,304$1,441$521$11,250
Depreciation$17,044$7,274$5,943$6,666$5,821$42,748
Fuel$2,508$2,584$2,661$2,740$2,823$13,315
True Cost to Own®$27,614$14,654$13,025$16,624$15,171$87,088

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 XC90 Hybrid T8 Inscription Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric hybrid 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,102$1,140$1,181$1,221$1,264$5,909
Maintenance$134$460$846$3,413$3,061$7,915
Repairs$0$0$0$993$1,528$2,520
Taxes & Fees$2,888$57$57$57$57$3,114
Financing$3,809$3,063$2,267$1,418$513$11,070
Depreciation$16,771$7,157$5,847$6,560$5,728$42,064
Fuel$2,467$2,542$2,619$2,696$2,777$13,102
True Cost to Own®$27,172$14,419$12,817$16,358$14,929$85,694

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 XC90 Hybrid T8 Momentum Twin Engine Plug-In Hybrid 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger gas/electric hybrid 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,281$1,326$1,373$1,420$1,470$6,870
Maintenance$156$535$984$3,968$3,559$9,202
Repairs$0$0$0$1,154$1,776$2,930
Taxes & Fees$3,358$66$66$66$66$3,621
Financing$4,429$3,561$2,635$1,649$596$12,870
Depreciation$19,498$8,321$6,798$7,626$6,660$48,903
Fuel$2,869$2,956$3,044$3,135$3,229$15,232
True Cost to Own®$31,590$16,764$14,901$19,018$17,356$99,628

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 XC90 Hybrid T8 Inscription Twin Engine Plug-In Hybrid 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger gas/electric hybrid 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,245$1,289$1,334$1,380$1,429$6,678
Maintenance$152$520$956$3,857$3,460$8,945
Repairs$0$0$0$1,122$1,726$2,848
Taxes & Fees$3,264$64$64$64$64$3,519
Financing$4,305$3,461$2,562$1,603$580$12,510
Depreciation$18,953$8,088$6,608$7,413$6,473$47,535
Fuel$2,788$2,873$2,959$3,047$3,139$14,806
True Cost to Own®$30,706$16,295$14,484$18,486$16,870$96,841

Ownership Costs: 5-Year Breakdown

Selected Model:

2020 XC90 Hybrid T8 Momentum Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric hybrid 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
Tax Credit$0$0$0$0$0$0
Insurance$1,299$1,344$1,392$1,440$1,491$6,966
Maintenance$158$542$998$4,024$3,609$9,331
Repairs$0$0$0$1,170$1,801$2,971
Taxes & Fees$3,405$67$67$67$67$3,671
Financing$4,491$3,611$2,672$1,672$605$13,050
Depreciation$19,771$8,438$6,893$7,733$6,753$49,587
Fuel$2,909$2,997$3,087$3,178$3,274$15,445
True Cost to Own®$32,032$16,998$15,109$19,284$17,599$101,022

*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.

The components of TCO® are depreciation, interest on financing, taxes and fees, insurance premiums, fuel, maintenance, repairs and any federal tax credit that may be available. In order to estimate certain mileage-dependent costs, we assume that vehicles will be driven 15,000 miles per year. For a used vehicle, we calculate the years the vehicle has been driven using the nominal difference between the current calendar year and the vehicle's model year, and assume that it was driven 15,000 miles during each of those years.

Note that TCO® is a comparative tool, not a predictive tool — your actual five-year cost of owning a particular vehicle will vary depending on your personal circumstances, such as your driving history and the number of miles you drive.

How We Calculate True Cost to Own®

The True Cost to Own® calculations use the following set of assumptions:

  • Ownership expenses are estimated for a five-year period
  • You will drive 15,000 miles per year
  • You are financing the vehicle using traditional financing, not lease financing
  • You have an above-average credit rating for the purpose of determining your finance rate
  • You are making a 10% down payment on the vehicle at purchase
  • Your loan term is 60 months

Using proprietary formulas, we calculate the five-year costs for the seven cost categories that make up the TCO® (depreciation, insurance, financing, taxes & fees, fuel, maintenance and repairs). We also take into account any applicable federal tax credit.

Explanation of True Cost to Own® Terms

Total Cash Price

For new vehicles, the Total Cash Price displayed is the vehicle's True Market Value® (TMV®) price plus typically equipped options, destination charge, base tax and fees assessed by your state, and, if applicable, gas guzzler tax; less any widely available manufacturer-to-customer cash rebates. (However, we do not account for other types of cash rebates or incentives because of the variability of those offers and their eligibility requirements.) For used vehicles, the Total Cash Price shown is the sum of the vehicle's Private Party TMV® price in "clean" condition plus typically equipped options, and base tax and fees assessed by your state.

Depreciation

This is the amount by which the value of a vehicle declines from its purchase price to its estimated resale value. The purchase price employed is the vehicle's Total Cash Price, minus any taxes and fees included in that amount. We estimate the resale value assuming the vehicle will be in "clean" condition, will be driven 15,000 miles per year, and will be sold to a private party.

Insurance

This is the estimated average annual insurance premium in your state. The premium has been determined based on annual premium data for defined driver profiles and coverages (liability, comprehensive and collision) from a major national insurer. While this information is specific to vehicle make, model, model year and body type, your personal information is not taken into consideration and could greatly alter the actual premium quoted by an insurer. Factors that will affect your rate include your age, marital status, credit history, driving record, and the garaging address of your vehicle.

Financing

This is the interest expense on a loan in the amount of the Total Cash Price, assuming a 10% down payment and a loan term of 60 months. The interest rate used is the prevailing rate that banks and other direct automotive lenders are currently charging consumers in your geographic region who have above average credit scores.

Note: Even if you do not finance your vehicle, the inclusion of financing cost in determining True Cost to Own® is still appropriate because it reflects the estimated "opportunity cost" (i.e., the amount you may earn) if you invest the Purchase Price instead of using it to purchase the vehicle.

Taxes & Fees

This consists of the base sales (or use) taxes, license and registration fees in your state, and gas guzzler tax if applicable. These taxes and fees are often based on a percentage of the purchase price, and generally decrease as the vehicle ages and loses its value.

Note: the state sales/use tax rate that we use includes the average local and county taxes assessed in that state.

Fuel

This expense is based on the revised EPA mileage ratings, assuming consumption consists of 45% highway and 55% city driving and that the vehicle is equipped with the transmission that is standard equipment for that vehicle. Cost estimates are based on the current one-year moving average of self-service prices in your state, using regular unleaded gasoline for vehicles whose manufacturers require regular; premium unleaded gasoline for vehicles whose manufacturers recommend or require premium; or diesel fuel for diesel vehicles.

Maintenance

This is the estimated expense of the two types of maintenance: scheduled and unscheduled. Scheduled maintenance is the performance of factory-recommended items at periodic mileage and/or calendar intervals. Unscheduled maintenance includes wheel alignment and the replacement of items such as the battery, brakes, headlamps, hoses, exhaust system parts, taillight/turn signal bulbs, tires and wiper blades/inserts. Estimated tire replacement costs are supplied to Edmunds.com by The Tire Rack, Inc.

Repairs

This is the estimated expense for repairs not covered by the vehicle manufacturer's warranties over the five years from the date of purchase, assuming 15,000 miles are driven annually. We estimate this expense based on the cost of a typical "zero deductible" extended warranty for the vehicle, minus the estimated amount of that cost that consists of the warranty provider's overhead and profit.

Federal Tax Credits

This is the tax credit that is provided for under the Energy Policy Act of 2005. A tax credit is subtracted directly from the total amount of federal tax you owe. The tax credit is for electric fuel vehicles.

The credit is only available to the original purchaser of a new, qualifying vehicle, and is subject to certain "phase out" rules that we take into consideration when computing TCO®. If a qualifying vehicle is leased to a consumer, the leasing company may claim the credit.


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Edmunds Insurance Estimator

The Edmunds TCO® estimated monthly insurance payment for a 2020 Volvo XC90 in Virginia is:

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