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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

$59,054*

Total Cash Price

$30,077

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

True Cost to Own

$61,962*

Total Cash Price

$32,973

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

True Cost to Own

$57,201*

Total Cash Price

$29,582

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

True Cost to Own

$53,291*

Total Cash Price

$26,852

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

True Cost to Own

$59,929*

Total Cash Price

$30,859

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

True Cost to Own

$61,033*

Total Cash Price

$32,520

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

True Cost to Own

$59,957*

Total Cash Price

$34,032

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

True Cost to Own

$59,061*

Total Cash Price

$31,688

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

True Cost to Own

$59,901*

Total Cash Price

$32,491

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

$61,546*

Total Cash Price

$34,770

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

True Cost to Own

$63,303*

Total Cash Price

$35,993

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

$62,795*

Total Cash Price

$35,181

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

$62,084*

Total Cash Price

$36,870

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

True Cost to Own

$63,026*

Total Cash Price

$37,554

Ownership Costs: 5-Year Total

Depreciation

$18,312

Taxes & Fees

$1,105

Financing

$5,275

Fuel

$13,361

Insurance

$4,295

Repairs

$5,719

Maintenance

$10,987

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$809$833$858$884$911$4,295
Maintenance$3,078$1,430$915$2,039$3,525$10,987
Repairs$993$1,064$1,139$1,219$1,304$5,719
Taxes & Fees$961$36$36$36$36$1,105
Financing$1,807$1,458$1,083$680$247$5,275
Depreciation$6,743$3,219$2,783$2,893$2,674$18,312
Fuel$2,517$2,592$2,670$2,750$2,832$13,361
True Cost to Own®$16,908$10,632$9,484$10,501$11,529$59,054
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$819$844$869$895$922$4,349
Maintenance$3,078$1,430$915$2,039$3,525$10,987
Repairs$993$1,064$1,139$1,219$1,304$5,719
Taxes & Fees$1,046$36$36$36$36$1,190
Financing$1,981$1,599$1,187$746$270$5,783
Depreciation$6,504$3,765$3,517$3,579$3,208$20,573
Fuel$2,517$2,592$2,670$2,750$2,832$13,361
True Cost to Own®$16,938$11,330$10,333$11,264$12,097$61,962
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$818$843$868$894$921$4,344
Maintenance$2,905$1,479$827$2,114$3,498$10,823
Repairs$993$1,064$1,139$1,219$1,304$5,719
Taxes & Fees$947$36$36$36$36$1,091
Financing$1,777$1,435$1,065$669$242$5,188
Depreciation$5,736$2,959$3,027$2,929$2,612$17,263
Fuel$2,406$2,478$2,552$2,629$2,708$12,773
True Cost to Own®$15,582$10,294$9,514$10,490$11,321$57,201
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$815$839$865$891$917$4,327
Maintenance$2,992$1,475$827$2,019$3,590$10,903
Repairs$932$998$1,069$1,143$1,224$5,366
Taxes & Fees$868$36$36$36$36$1,012
Financing$1,613$1,302$967$607$221$4,710
Depreciation$5,316$2,490$2,425$2,497$2,491$15,219
Fuel$2,214$2,280$2,349$2,419$2,492$11,754
True Cost to Own®$14,750$9,420$8,538$9,612$10,971$53,291
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$809$833$858$884$911$4,295
Maintenance$3,078$1,430$915$2,039$3,525$10,987
Repairs$993$1,064$1,139$1,219$1,304$5,719
Taxes & Fees$984$36$36$36$36$1,128
Financing$1,854$1,496$1,112$697$253$5,412
Depreciation$5,903$3,368$3,447$3,335$2,974$19,027
Fuel$2,517$2,592$2,670$2,750$2,832$13,361
True Cost to Own®$16,138$10,819$10,177$10,960$11,835$59,929
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$819$844$869$895$922$4,349
Maintenance$3,078$1,430$915$2,039$3,525$10,987
Repairs$993$1,064$1,139$1,219$1,304$5,719
Taxes & Fees$1,033$36$36$36$36$1,177
Financing$1,954$1,577$1,171$735$267$5,704
Depreciation$5,583$3,855$3,665$3,601$3,032$19,736
Fuel$2,517$2,592$2,670$2,750$2,832$13,361
True Cost to Own®$15,977$11,398$10,465$11,275$11,918$61,033
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$816$840$866$892$918$4,332
Maintenance$3,078$1,430$915$2,039$3,525$10,987
Repairs$993$1,064$1,139$1,219$1,304$5,719
Taxes & Fees$1,077$36$36$36$36$1,221
Financing$2,045$1,650$1,225$770$279$5,969
Depreciation$5,622$2,892$3,615$3,461$2,778$18,368
Fuel$2,517$2,592$2,670$2,750$2,832$13,361
True Cost to Own®$16,148$10,504$10,466$11,167$11,672$59,957
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$813$837$863$888$915$4,316
Maintenance$2,992$1,475$827$2,019$3,590$10,903
Repairs$932$998$1,069$1,143$1,224$5,366
Taxes & Fees$1,008$36$36$36$36$1,152
Financing$1,904$1,536$1,141$717$260$5,558
Depreciation$6,299$3,611$3,724$3,556$2,822$20,012
Fuel$2,214$2,280$2,349$2,419$2,492$11,754
True Cost to Own®$16,162$10,773$10,009$10,778$11,339$59,061
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$816$840$866$892$918$4,332
Maintenance$2,905$1,479$827$2,114$3,498$10,823
Repairs$993$1,064$1,139$1,219$1,304$5,719
Taxes & Fees$1,032$36$36$36$36$1,176
Financing$1,952$1,575$1,170$735$267$5,699
Depreciation$6,084$3,413$3,490$3,379$3,013$19,379
Fuel$2,406$2,478$2,552$2,629$2,708$12,773
True Cost to Own®$16,188$10,885$10,080$11,004$11,744$59,901
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$831$856$882$908$935$4,412
Maintenance$2,992$1,430$915$2,039$3,428$10,804
Repairs$993$1,064$1,139$1,219$1,304$5,719
Taxes & Fees$1,098$36$36$36$36$1,242
Financing$2,089$1,686$1,252$786$285$6,098
Depreciation$6,627$4,003$4,002$4,067$3,679$22,378
Fuel$2,052$2,113$2,177$2,242$2,309$10,893
True Cost to Own®$16,682$11,188$10,403$11,297$11,976$61,546
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$831$856$882$908$935$4,412
Maintenance$2,992$1,430$915$2,039$3,428$10,804
Repairs$993$1,064$1,139$1,219$1,304$5,719
Taxes & Fees$1,134$36$36$36$36$1,278
Financing$2,163$1,745$1,296$814$295$6,313
Depreciation$5,912$4,003$4,575$5,263$4,131$23,884
Fuel$2,052$2,113$2,177$2,242$2,309$10,893
True Cost to Own®$16,077$11,247$11,020$12,521$12,438$63,303
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$831$856$882$908$935$4,412
Maintenance$2,992$1,430$915$2,039$3,428$10,804
Repairs$993$1,064$1,139$1,219$1,304$5,719
Taxes & Fees$1,110$36$36$36$36$1,254
Financing$2,114$1,705$1,267$796$288$6,170
Depreciation$7,060$4,430$4,211$4,139$3,703$23,543
Fuel$2,052$2,113$2,177$2,242$2,309$10,893
True Cost to Own®$17,152$11,634$10,627$11,379$12,003$62,795
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$831$856$882$908$935$4,412
Maintenance$2,992$1,430$915$2,039$3,428$10,804
Repairs$993$1,064$1,139$1,219$1,304$5,719
Taxes & Fees$1,159$36$36$36$36$1,303
Financing$2,215$1,788$1,328$833$303$6,467
Depreciation$7,292$3,899$3,989$3,862$3,444$22,486
Fuel$2,052$2,113$2,177$2,242$2,309$10,893
True Cost to Own®$17,534$11,186$10,466$11,139$11,759$62,084
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$831$856$882$908$935$4,412
Maintenance$2,992$1,430$915$2,039$3,428$10,804
Repairs$993$1,064$1,139$1,219$1,304$5,719
Taxes & Fees$1,179$36$36$36$36$1,323
Financing$2,256$1,821$1,352$850$308$6,587
Depreciation$7,726$4,905$4,537$3,592$2,528$23,288
Fuel$2,052$2,113$2,177$2,242$2,309$10,893
True Cost to Own®$18,029$12,225$11,038$10,886$10,848$63,026

*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.