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
$58,731*
Total Cash Price
$27,525
T5 Momentum 4dr SUV AWD (2.0L 4cyl Turbo 8A)
True Cost to Own
$56,734*
Total Cash Price
$27,310
T6 Momentum 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$58,328*
Total Cash Price
$27,556
T6 Inscription 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger 8A)
True Cost to Own
$60,619*
Total Cash Price
$30,846
T5 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)
True Cost to Own
$52,382*
Total Cash Price
$25,192
T6 Inscription 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$60,966*
Total Cash Price
$30,601
T6 R-Design 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$58,600*
Total Cash Price
$28,558
T5 R-Design 4dr SUV AWD (2.0L 4cyl Turbo 8A)
True Cost to Own
$59,448*
Total Cash Price
$29,426
T5 R-Design 4dr SUV (2.0L 4cyl Turbo 8A)
True Cost to Own
$58,655*
Total Cash Price
$29,301
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
$60,578*
Total Cash Price
$32,224
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
$60,006*
Total Cash Price
$33,419
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
$61,585*
Total Cash Price
$34,251
T8 Inscription Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$61,158*
Total Cash Price
$32,963
T8 Momentum Twin Engine Plug-In Hybrid 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$60,947*
Total Cash Price
$33,680
Depreciation
$14,271
Taxes & Fees
$2,006
Financing
$4,828
Fuel
$17,515
Insurance
$4,629
Repairs
$5,542
Maintenance
$9,940
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 | $872 | $898 | $925 | $953 | $981 | $4,629 |
Maintenance | $1,397 | $871 | $2,036 | $3,255 | $2,381 | $9,940 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,806 | $50 | $50 | $50 | $50 | $2,006 |
Financing | $1,654 | $1,334 | $992 | $622 | $226 | $4,828 |
Depreciation | $4,989 | $3,215 | $2,415 | $2,076 | $1,576 | $14,271 |
Fuel | $3,299 | $3,398 | $3,500 | $3,605 | $3,713 | $17,515 |
True Cost to Own® | $14,976 | $10,795 | $11,021 | $11,744 | $10,195 | $58,731 |
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 | $1,025 | $1,056 | $1,087 | $1,120 | $1,154 | $5,442 |
Maintenance | $1,442 | $786 | $2,100 | $3,237 | $2,138 | $9,703 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,792 | $50 | $50 | $50 | $50 | $1,992 |
Financing | $1,641 | $1,324 | $983 | $618 | $224 | $4,790 |
Depreciation | $4,882 | $2,908 | $2,182 | $1,876 | $1,424 | $13,272 |
Fuel | $3,012 | $3,103 | $3,196 | $3,292 | $3,390 | $15,993 |
True Cost to Own® | $14,753 | $10,256 | $10,701 | $11,376 | $9,648 | $56,734 |
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 | $872 | $898 | $925 | $953 | $981 | $4,629 |
Maintenance | $1,397 | $871 | $2,036 | $3,255 | $2,381 | $9,940 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,808 | $50 | $50 | $50 | $50 | $2,008 |
Financing | $1,656 | $1,336 | $992 | $623 | $226 | $4,833 |
Depreciation | $5,343 | $3,079 | $2,176 | $1,854 | $1,409 | $13,861 |
Fuel | $3,299 | $3,398 | $3,500 | $3,605 | $3,713 | $17,515 |
True Cost to Own® | $15,334 | $10,661 | $10,782 | $11,523 | $10,028 | $58,328 |
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 | $882 | $908 | $936 | $964 | $993 | $4,683 |
Maintenance | $1,397 | $871 | $2,036 | $3,255 | $2,381 | $9,940 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $2,017 | $50 | $50 | $50 | $50 | $2,217 |
Financing | $1,853 | $1,496 | $1,111 | $697 | $253 | $5,410 |
Depreciation | $5,209 | $3,500 | $2,628 | $2,260 | $1,715 | $15,312 |
Fuel | $3,299 | $3,398 | $3,500 | $3,605 | $3,713 | $17,515 |
True Cost to Own® | $15,616 | $11,252 | $11,364 | $12,014 | $10,373 | $60,619 |
2020 XC90 SUV T5 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $977 | $1,006 | $1,036 | $1,068 | $1,100 | $5,187 |
Maintenance | $1,438 | $786 | $2,019 | $3,317 | $2,138 | $9,698 |
Repairs | $900 | $966 | $1,035 | $1,110 | $1,190 | $5,201 |
Taxes & Fees | $1,657 | $50 | $50 | $50 | $50 | $1,857 |
Financing | $1,514 | $1,221 | $907 | $570 | $206 | $4,418 |
Depreciation | $4,778 | $2,802 | $1,789 | $1,227 | $708 | $11,304 |
Fuel | $2,772 | $2,855 | $2,941 | $3,029 | $3,120 | $14,717 |
True Cost to Own® | $14,036 | $9,686 | $9,777 | $10,371 | $8,512 | $52,382 |
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 | $882 | $908 | $936 | $964 | $993 | $4,683 |
Maintenance | $1,397 | $871 | $2,036 | $3,255 | $2,381 | $9,940 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $2,002 | $50 | $50 | $50 | $50 | $2,202 |
Financing | $1,839 | $1,483 | $1,102 | $692 | $251 | $5,367 |
Depreciation | $5,588 | $3,357 | $2,575 | $2,342 | $1,855 | $15,717 |
Fuel | $3,299 | $3,398 | $3,500 | $3,605 | $3,713 | $17,515 |
True Cost to Own® | $15,966 | $11,096 | $11,302 | $12,091 | $10,511 | $60,966 |
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 | $882 | $908 | $936 | $964 | $993 | $4,683 |
Maintenance | $1,397 | $871 | $2,036 | $3,255 | $2,381 | $9,940 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,872 | $50 | $50 | $50 | $50 | $2,072 |
Financing | $1,716 | $1,384 | $1,029 | $646 | $234 | $5,009 |
Depreciation | $6,170 | $2,977 | $1,922 | $1,593 | $1,177 | $13,839 |
Fuel | $3,299 | $3,398 | $3,500 | $3,605 | $3,713 | $17,515 |
True Cost to Own® | $16,295 | $10,617 | $10,576 | $11,296 | $9,816 | $58,600 |
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 | $1,043 | $1,074 | $1,107 | $1,140 | $1,174 | $5,538 |
Maintenance | $1,442 | $786 | $2,100 | $3,237 | $2,138 | $9,703 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $1,927 | $50 | $50 | $50 | $50 | $2,127 |
Financing | $1,768 | $1,427 | $1,059 | $666 | $241 | $5,161 |
Depreciation | $6,055 | $3,232 | $2,426 | $2,087 | $1,584 | $15,384 |
Fuel | $3,012 | $3,103 | $3,196 | $3,292 | $3,390 | $15,993 |
True Cost to Own® | $16,206 | $10,701 | $11,041 | $11,655 | $9,845 | $59,448 |
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 | $994 | $1,024 | $1,055 | $1,086 | $1,119 | $5,278 |
Maintenance | $1,438 | $786 | $2,019 | $3,317 | $2,138 | $9,698 |
Repairs | $900 | $966 | $1,035 | $1,110 | $1,190 | $5,201 |
Taxes & Fees | $1,919 | $50 | $50 | $50 | $50 | $2,119 |
Financing | $1,761 | $1,420 | $1,055 | $663 | $240 | $5,139 |
Depreciation | $4,595 | $2,933 | $2,992 | $3,371 | $2,612 | $16,503 |
Fuel | $2,772 | $2,855 | $2,941 | $3,029 | $3,120 | $14,717 |
True Cost to Own® | $14,379 | $10,034 | $11,147 | $12,626 | $10,469 | $58,655 |
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 | $1,092 | $1,125 | $1,159 | $1,193 | $1,229 | $5,798 |
Maintenance | $1,397 | $871 | $2,036 | $3,171 | $2,381 | $9,856 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $2,105 | $50 | $50 | $50 | $50 | $2,305 |
Financing | $1,936 | $1,562 | $1,161 | $728 | $265 | $5,652 |
Depreciation | $6,798 | $3,806 | $2,859 | $2,458 | $1,866 | $17,787 |
Fuel | $2,569 | $2,646 | $2,725 | $2,807 | $2,891 | $13,638 |
True Cost to Own® | $16,856 | $11,089 | $11,093 | $11,590 | $9,950 | $60,578 |
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 | $1,092 | $1,125 | $1,159 | $1,193 | $1,229 | $5,798 |
Maintenance | $1,397 | $871 | $2,036 | $3,171 | $2,381 | $9,856 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $2,181 | $50 | $50 | $50 | $50 | $2,381 |
Financing | $2,008 | $1,620 | $1,204 | $755 | $274 | $5,861 |
Depreciation | $5,098 | $4,099 | $3,077 | $2,647 | $2,009 | $16,930 |
Fuel | $2,569 | $2,646 | $2,725 | $2,807 | $2,891 | $13,638 |
True Cost to Own® | $15,304 | $11,440 | $11,354 | $11,806 | $10,102 | $60,006 |
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 | $1,092 | $1,125 | $1,159 | $1,193 | $1,229 | $5,798 |
Maintenance | $1,397 | $871 | $2,036 | $3,171 | $2,381 | $9,856 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $2,234 | $50 | $50 | $50 | $50 | $2,434 |
Financing | $2,058 | $1,660 | $1,234 | $774 | $281 | $6,007 |
Depreciation | $5,164 | $3,469 | $3,176 | $3,425 | $3,076 | $18,310 |
Fuel | $2,569 | $2,646 | $2,725 | $2,807 | $2,891 | $13,638 |
True Cost to Own® | $15,473 | $10,850 | $11,483 | $12,603 | $11,176 | $61,585 |
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 | $1,092 | $1,125 | $1,159 | $1,193 | $1,229 | $5,798 |
Maintenance | $1,397 | $871 | $2,036 | $3,171 | $2,381 | $9,856 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $2,152 | $50 | $50 | $50 | $50 | $2,352 |
Financing | $1,981 | $1,598 | $1,187 | $745 | $270 | $5,781 |
Depreciation | $7,533 | $4,008 | $2,638 | $2,235 | $1,777 | $18,191 |
Fuel | $2,569 | $2,646 | $2,725 | $2,807 | $2,891 | $13,638 |
True Cost to Own® | $17,683 | $11,327 | $10,898 | $11,384 | $9,866 | $61,158 |
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 | $1,092 | $1,125 | $1,159 | $1,193 | $1,229 | $5,798 |
Maintenance | $1,397 | $871 | $2,036 | $3,171 | $2,381 | $9,856 |
Repairs | $959 | $1,029 | $1,103 | $1,183 | $1,268 | $5,542 |
Taxes & Fees | $2,198 | $50 | $50 | $50 | $50 | $2,398 |
Financing | $2,024 | $1,633 | $1,212 | $762 | $276 | $5,907 |
Depreciation | $6,303 | $3,986 | $2,992 | $2,574 | $1,953 | $17,808 |
Fuel | $2,569 | $2,646 | $2,725 | $2,807 | $2,891 | $13,638 |
True Cost to Own® | $16,542 | $11,340 | $11,277 | $11,740 | $10,048 | $60,947 |
*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.