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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

$58,731*

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

Ownership Costs: 5-Year Total

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

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

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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.