Used 2021 Volvo XC90 Cost to Own
Total 5-Year Ownership Costs
XC90 SUV
T6 Momentum 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$63,738*
Total Cash Price
$32,464
T6 Inscription 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$65,142*
Total Cash Price
$35,095
T5 Momentum 4dr SUV AWD (2.0L 4cyl Turbo 8A)
True Cost to Own
$60,055*
Total Cash Price
$30,905
T5 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)
True Cost to Own
$57,718*
Total Cash Price
$28,259
T6 Momentum 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger 8A)
True Cost to Own
$62,356*
Total Cash Price
$31,876
T6 Inscription 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger 8A)
True Cost to Own
$65,733*
Total Cash Price
$34,118
T6 R-Design 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$61,573*
Total Cash Price
$32,663
T5 R-Design 4dr SUV (2.0L 4cyl Turbo 8A)
True Cost to Own
$61,086*
Total Cash Price
$32,089
T5 R-Design 4dr SUV AWD (2.0L 4cyl Turbo 8A)
True Cost to Own
$62,605*
Total Cash Price
$33,362
XC90 Plug-in Hybrid
Recharge Plug-In Hybrid T8 Inscription Expression 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$63,590*
Total Cash Price
$35,226
Recharge Plug-In Hybrid T8 Inscription 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$64,709*
Total Cash Price
$36,567
Recharge Plug-In Hybrid T8 Inscription 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$65,134*
Total Cash Price
$35,833
Recharge Plug-In Hybrid T8 Inscription Expression 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$64,192*
Total Cash Price
$36,780
Recharge Plug-In Hybrid T8 R-Design 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$67,969*
Total Cash Price
$37,936
Depreciation
$19,514
Taxes & Fees
$3,136
Financing
$5,694
Fuel
$13,361
Insurance
$4,699
Repairs
$5,997
Maintenance
$11,337
Ownership Costs: 5-Year Breakdown
2021 XC90 SUV T6 Momentum 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $885 | $912 | $939 | $967 | $996 | $4,699 |
Maintenance | $3,177 | $1,483 | $954 | $2,085 | $3,638 | $11,337 |
Repairs | $1,043 | $1,117 | $1,195 | $1,277 | $1,365 | $5,997 |
Taxes & Fees | $1,852 | $321 | $321 | $321 | $321 | $3,136 |
Financing | $1,951 | $1,573 | $1,170 | $734 | $266 | $5,694 |
Depreciation | $7,751 | $3,477 | $2,735 | $2,722 | $2,829 | $19,514 |
Fuel | $2,517 | $2,592 | $2,670 | $2,750 | $2,832 | $13,361 |
True Cost to Own® | $19,176 | $11,475 | $9,984 | $10,856 | $12,247 | $63,738 |
2021 XC90 SUV T6 Inscription 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $893 | $920 | $947 | $976 | $1,005 | $4,741 |
Maintenance | $3,177 | $1,483 | $954 | $2,085 | $3,638 | $11,337 |
Repairs | $1,043 | $1,117 | $1,195 | $1,277 | $1,365 | $5,997 |
Taxes & Fees | $2,001 | $346 | $346 | $346 | $346 | $3,385 |
Financing | $2,109 | $1,701 | $1,264 | $793 | $288 | $6,155 |
Depreciation | $6,993 | $4,098 | $3,736 | $3,051 | $2,288 | $20,166 |
Fuel | $2,517 | $2,592 | $2,670 | $2,750 | $2,832 | $13,361 |
True Cost to Own® | $18,733 | $12,257 | $11,112 | $11,278 | $11,762 | $65,142 |
2021 XC90 SUV T5 Momentum 4dr SUV AWD (2.0L 4cyl Turbo 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $910 | $937 | $965 | $994 | $1,024 | $4,830 |
Maintenance | $2,993 | $1,535 | $862 | $2,165 | $3,608 | $11,163 |
Repairs | $1,043 | $1,117 | $1,195 | $1,277 | $1,365 | $5,997 |
Taxes & Fees | $1,763 | $306 | $306 | $306 | $306 | $2,987 |
Financing | $1,857 | $1,498 | $1,113 | $699 | $253 | $5,420 |
Depreciation | $5,680 | $3,106 | $3,167 | $2,781 | $2,151 | $16,885 |
Fuel | $2,406 | $2,478 | $2,552 | $2,629 | $2,708 | $12,773 |
True Cost to Own® | $16,652 | $10,977 | $10,160 | $10,851 | $11,415 | $60,055 |
2021 XC90 SUV T5 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $910 | $937 | $965 | $994 | $1,024 | $4,830 |
Maintenance | $3,086 | $1,530 | $862 | $2,064 | $3,706 | $11,248 |
Repairs | $979 | $1,047 | $1,121 | $1,198 | $1,281 | $5,626 |
Taxes & Fees | $1,613 | $281 | $281 | $281 | $281 | $2,737 |
Financing | $1,698 | $1,370 | $1,018 | $639 | $231 | $4,956 |
Depreciation | $4,783 | $2,921 | $2,629 | $3,020 | $3,214 | $16,567 |
Fuel | $2,214 | $2,280 | $2,349 | $2,419 | $2,492 | $11,754 |
True Cost to Own® | $15,283 | $10,366 | $9,225 | $10,615 | $12,229 | $57,718 |
2021 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 | $885 | $912 | $939 | $967 | $996 | $4,699 |
Maintenance | $3,177 | $1,483 | $954 | $2,085 | $3,638 | $11,337 |
Repairs | $1,043 | $1,117 | $1,195 | $1,277 | $1,365 | $5,997 |
Taxes & Fees | $1,819 | $316 | $316 | $316 | $316 | $3,083 |
Financing | $1,915 | $1,546 | $1,148 | $720 | $262 | $5,591 |
Depreciation | $5,819 | $3,456 | $3,525 | $3,094 | $2,394 | $18,288 |
Fuel | $2,517 | $2,592 | $2,670 | $2,750 | $2,832 | $13,361 |
True Cost to Own® | $17,175 | $11,422 | $10,747 | $11,209 | $11,803 | $62,356 |
2021 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 | $893 | $920 | $947 | $976 | $1,005 | $4,741 |
Maintenance | $3,177 | $1,483 | $954 | $2,085 | $3,638 | $11,337 |
Repairs | $1,043 | $1,117 | $1,195 | $1,277 | $1,365 | $5,997 |
Taxes & Fees | $1,946 | $337 | $337 | $337 | $337 | $3,294 |
Financing | $2,050 | $1,654 | $1,229 | $771 | $280 | $5,984 |
Depreciation | $7,577 | $3,726 | $3,800 | $3,335 | $2,581 | $21,019 |
Fuel | $2,517 | $2,592 | $2,670 | $2,750 | $2,832 | $13,361 |
True Cost to Own® | $19,203 | $11,829 | $11,132 | $11,531 | $12,038 | $65,733 |
2021 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 | $866 | $892 | $919 | $946 | $975 | $4,598 |
Maintenance | $3,177 | $1,483 | $954 | $2,085 | $3,638 | $11,337 |
Repairs | $1,043 | $1,117 | $1,195 | $1,277 | $1,365 | $5,997 |
Taxes & Fees | $1,863 | $323 | $323 | $323 | $323 | $3,155 |
Financing | $1,963 | $1,583 | $1,176 | $739 | $268 | $5,729 |
Depreciation | $5,698 | $3,180 | $3,729 | $2,956 | $1,833 | $17,396 |
Fuel | $2,517 | $2,592 | $2,670 | $2,750 | $2,832 | $13,361 |
True Cost to Own® | $17,127 | $11,170 | $10,966 | $11,076 | $11,234 | $61,573 |
2021 XC90 SUV T5 R-Design 4dr SUV (2.0L 4cyl Turbo 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $891 | $918 | $945 | $974 | $1,003 | $4,731 |
Maintenance | $3,086 | $1,530 | $862 | $2,064 | $3,706 | $11,248 |
Repairs | $979 | $1,047 | $1,121 | $1,198 | $1,281 | $5,626 |
Taxes & Fees | $1,831 | $318 | $318 | $318 | $318 | $3,103 |
Financing | $1,928 | $1,556 | $1,155 | $726 | $263 | $5,628 |
Depreciation | $5,362 | $3,309 | $4,184 | $3,629 | $2,512 | $18,996 |
Fuel | $2,214 | $2,280 | $2,349 | $2,419 | $2,492 | $11,754 |
True Cost to Own® | $16,291 | $10,958 | $10,934 | $11,328 | $11,575 | $61,086 |
2021 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 | $886 | $913 | $940 | $968 | $997 | $4,704 |
Maintenance | $2,993 | $1,535 | $862 | $2,165 | $3,608 | $11,163 |
Repairs | $1,043 | $1,117 | $1,195 | $1,277 | $1,365 | $5,997 |
Taxes & Fees | $1,903 | $330 | $330 | $330 | $330 | $3,223 |
Financing | $2,005 | $1,617 | $1,201 | $755 | $273 | $5,851 |
Depreciation | $5,647 | $3,673 | $3,744 | $3,287 | $2,543 | $18,894 |
Fuel | $2,406 | $2,478 | $2,552 | $2,629 | $2,708 | $12,773 |
True Cost to Own® | $16,883 | $11,663 | $10,824 | $11,411 | $11,824 | $62,605 |
2021 XC90 Plug-in Hybrid Recharge Plug-In Hybrid T8 Inscription Expression 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 | $883 | $909 | $937 | $965 | $994 | $4,688 |
Maintenance | $3,084 | $1,483 | $954 | $2,085 | $3,534 | $11,140 |
Repairs | $1,043 | $1,117 | $1,195 | $1,277 | $1,365 | $5,997 |
Taxes & Fees | $2,008 | $347 | $347 | $347 | $347 | $3,396 |
Financing | $2,117 | $1,707 | $1,269 | $796 | $289 | $6,178 |
Depreciation | $7,687 | $4,325 | $3,966 | $3,133 | $2,187 | $21,298 |
Fuel | $2,052 | $2,113 | $2,177 | $2,242 | $2,309 | $10,893 |
True Cost to Own® | $18,874 | $12,001 | $10,845 | $10,845 | $11,025 | $63,590 |
2021 XC90 Plug-in Hybrid Recharge Plug-In Hybrid T8 Inscription 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 | $883 | $909 | $937 | $965 | $994 | $4,688 |
Maintenance | $3,084 | $1,483 | $954 | $2,085 | $3,534 | $11,140 |
Repairs | $1,043 | $1,117 | $1,195 | $1,277 | $1,365 | $5,997 |
Taxes & Fees | $2,084 | $360 | $360 | $360 | $360 | $3,524 |
Financing | $2,197 | $1,773 | $1,317 | $827 | $299 | $6,413 |
Depreciation | $6,414 | $3,761 | $4,463 | $4,195 | $3,221 | $22,054 |
Fuel | $2,052 | $2,113 | $2,177 | $2,242 | $2,309 | $10,893 |
True Cost to Own® | $17,757 | $11,516 | $11,403 | $11,951 | $12,082 | $64,709 |
2021 XC90 Plug-in Hybrid Recharge Plug-In Hybrid T8 Inscription 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 | $883 | $909 | $937 | $965 | $994 | $4,688 |
Maintenance | $3,084 | $1,483 | $954 | $2,085 | $3,534 | $11,140 |
Repairs | $1,043 | $1,117 | $1,195 | $1,277 | $1,365 | $5,997 |
Taxes & Fees | $2,043 | $353 | $353 | $353 | $353 | $3,455 |
Financing | $2,153 | $1,737 | $1,291 | $810 | $294 | $6,285 |
Depreciation | $7,792 | $4,310 | $4,175 | $3,772 | $2,627 | $22,676 |
Fuel | $2,052 | $2,113 | $2,177 | $2,242 | $2,309 | $10,893 |
True Cost to Own® | $19,050 | $12,022 | $11,082 | $11,504 | $11,476 | $65,134 |
2021 XC90 Plug-in Hybrid Recharge Plug-In Hybrid T8 Inscription Expression 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 | $883 | $909 | $937 | $965 | $994 | $4,688 |
Maintenance | $3,084 | $1,483 | $954 | $2,085 | $3,534 | $11,140 |
Repairs | $1,043 | $1,117 | $1,195 | $1,277 | $1,365 | $5,997 |
Taxes & Fees | $2,096 | $362 | $362 | $362 | $362 | $3,544 |
Financing | $2,210 | $1,783 | $1,325 | $831 | $302 | $6,451 |
Depreciation | $7,134 | $3,978 | $4,054 | $3,560 | $2,753 | $21,479 |
Fuel | $2,052 | $2,113 | $2,177 | $2,242 | $2,309 | $10,893 |
True Cost to Own® | $18,502 | $11,745 | $11,004 | $11,322 | $11,619 | $64,192 |
2021 XC90 Plug-in Hybrid Recharge Plug-In Hybrid T8 R-Design 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 | $883 | $909 | $937 | $965 | $994 | $4,688 |
Maintenance | $3,084 | $1,483 | $954 | $2,085 | $3,534 | $11,140 |
Repairs | $1,043 | $1,117 | $1,195 | $1,277 | $1,365 | $5,997 |
Taxes & Fees | $2,162 | $373 | $373 | $373 | $373 | $3,654 |
Financing | $2,279 | $1,840 | $1,366 | $857 | $312 | $6,654 |
Depreciation | $7,885 | $4,446 | $4,316 | $4,701 | $3,595 | $24,943 |
Fuel | $2,052 | $2,113 | $2,177 | $2,242 | $2,309 | $10,893 |
True Cost to Own® | $19,388 | $12,281 | $11,318 | $12,500 | $12,482 | $67,969 |
*Based on a 5-year estimate with 15,000 miles driven per year.
Shop nowLearn about the 2021 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.