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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

Ownership Costs: 5-Year Total

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

Selected Model:

2021 XC90 SUV T6 Momentum 4dr SUV AWD (2.0L 4cyl Twincharger 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2021 XC90 SUV T6 Inscription 4dr SUV AWD (2.0L 4cyl Twincharger 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2021 XC90 SUV T5 Momentum 4dr SUV AWD (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2021 XC90 SUV T5 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2021 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$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
Selected Model:

2021 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$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
Selected Model:

2021 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$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
Selected Model:

2021 XC90 SUV T5 R-Design 4dr SUV (2.0L 4cyl Turbo 8A)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2021 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$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
Selected Model:

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)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

2021 XC90 Plug-in Hybrid Recharge Plug-In Hybrid T8 Inscription 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$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
Selected Model:

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)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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
Selected Model:

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)

Ownership Costs: 5-Year Breakdown
Year 1Year 2Year 3Year 4Year 5Total
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.

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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.