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
$61,883*
Total Cash Price
$31,289
T6 Inscription 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$64,173*
Total Cash Price
$32,861
T5 Momentum 4dr SUV AWD (2.0L 4cyl Turbo 8A)
True Cost to Own
$58,910*
Total Cash Price
$29,943
T5 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)
True Cost to Own
$57,315*
Total Cash Price
$27,947
T6 Momentum 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger 8A)
True Cost to Own
$61,388*
Total Cash Price
$30,795
T6 Inscription 4dr SUV AWD w/6 Passenger Seating (2.0L 4cyl Twincharger 8A)
True Cost to Own
$65,230*
Total Cash Price
$33,847
T6 R-Design 4dr SUV AWD (2.0L 4cyl Twincharger 8A)
True Cost to Own
$60,809*
Total Cash Price
$31,401
T5 R-Design 4dr SUV (2.0L 4cyl Turbo 8A)
True Cost to Own
$59,150*
Total Cash Price
$30,299
T5 R-Design 4dr SUV AWD (2.0L 4cyl Turbo 8A)
True Cost to Own
$59,983*
Total Cash Price
$29,377
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
$66,063*
Total Cash Price
$36,234
Recharge Plug-In Hybrid T8 Inscription 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$66,323*
Total Cash Price
$37,579
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
$64,668*
Total Cash Price
$35,731
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
$64,096*
Total Cash Price
$37,448
Recharge Plug-In Hybrid T8 R-Design 4dr SUV AWD (2.0L 4cyl Twincharger gas/electric plug-in hybrid 8A)
True Cost to Own
$65,288*
Total Cash Price
$37,588
Depreciation
$17,768
Taxes & Fees
$2,021
Financing
$5,488
Fuel
$14,628
Insurance
$6,414
Repairs
$4,892
Maintenance
$10,672
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 | $1,208 | $1,244 | $1,282 | $1,320 | $1,360 | $6,414 |
Maintenance | $2,995 | $1,355 | $837 | $2,072 | $3,413 | $10,672 |
Repairs | $843 | $907 | $974 | $1,046 | $1,122 | $4,892 |
Taxes & Fees | $1,901 | $0 | $60 | $0 | $60 | $2,021 |
Financing | $1,880 | $1,517 | $1,127 | $707 | $257 | $5,488 |
Depreciation | $7,397 | $3,508 | $2,748 | $2,231 | $1,884 | $17,768 |
Fuel | $2,755 | $2,838 | $2,923 | $3,011 | $3,101 | $14,628 |
True Cost to Own® | $18,979 | $11,369 | $9,951 | $10,387 | $11,197 | $61,883 |
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 | $1,240 | $1,277 | $1,316 | $1,355 | $1,396 | $6,584 |
Maintenance | $2,995 | $1,355 | $837 | $2,072 | $3,413 | $10,672 |
Repairs | $843 | $907 | $974 | $1,046 | $1,122 | $4,892 |
Taxes & Fees | $1,990 | $0 | $60 | $0 | $60 | $2,110 |
Financing | $1,974 | $1,594 | $1,183 | $743 | $269 | $5,763 |
Depreciation | $6,396 | $3,338 | $3,283 | $3,392 | $3,115 | $19,524 |
Fuel | $2,755 | $2,838 | $2,923 | $3,011 | $3,101 | $14,628 |
True Cost to Own® | $18,193 | $11,309 | $10,576 | $11,619 | $12,476 | $64,173 |
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 | $1,186 | $1,222 | $1,258 | $1,296 | $1,335 | $6,297 |
Maintenance | $2,847 | $1,397 | $756 | $2,131 | $3,396 | $10,527 |
Repairs | $843 | $907 | $974 | $1,046 | $1,122 | $4,892 |
Taxes & Fees | $1,825 | $0 | $60 | $0 | $60 | $1,945 |
Financing | $1,799 | $1,452 | $1,078 | $677 | $246 | $5,252 |
Depreciation | $5,520 | $3,225 | $2,997 | $2,429 | $1,842 | $16,013 |
Fuel | $2,634 | $2,713 | $2,794 | $2,878 | $2,965 | $13,984 |
True Cost to Own® | $16,654 | $10,916 | $9,917 | $10,457 | $10,966 | $58,910 |
2021 XC90 SUV T5 Momentum 4dr SUV (2.0L 4cyl Turbo 8A)
Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Total | |
---|---|---|---|---|---|---|
Insurance | $1,176 | $1,211 | $1,248 | $1,285 | $1,324 | $6,244 |
Maintenance | $2,915 | $1,393 | $756 | $2,056 | $3,469 | $10,589 |
Repairs | $792 | $851 | $914 | $981 | $1,053 | $4,591 |
Taxes & Fees | $1,712 | $0 | $60 | $0 | $60 | $1,832 |
Financing | $1,679 | $1,355 | $1,007 | $631 | $230 | $4,902 |
Depreciation | $5,334 | $3,240 | $3,283 | $2,597 | $1,833 | $16,287 |
Fuel | $2,424 | $2,497 | $2,572 | $2,649 | $2,728 | $12,870 |
True Cost to Own® | $16,032 | $10,547 | $9,840 | $10,199 | $10,697 | $57,315 |
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 | $1,208 | $1,244 | $1,282 | $1,320 | $1,360 | $6,414 |
Maintenance | $2,995 | $1,355 | $837 | $2,072 | $3,413 | $10,672 |
Repairs | $843 | $907 | $974 | $1,046 | $1,122 | $4,892 |
Taxes & Fees | $1,873 | $0 | $60 | $0 | $60 | $1,993 |
Financing | $1,850 | $1,493 | $1,109 | $697 | $252 | $5,401 |
Depreciation | $5,808 | $3,560 | $3,307 | $2,681 | $2,032 | $17,388 |
Fuel | $2,755 | $2,838 | $2,923 | $3,011 | $3,101 | $14,628 |
True Cost to Own® | $17,332 | $11,397 | $10,492 | $10,827 | $11,340 | $61,388 |
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 | $1,240 | $1,277 | $1,316 | $1,355 | $1,396 | $6,584 |
Maintenance | $2,995 | $1,355 | $837 | $2,072 | $3,413 | $10,672 |
Repairs | $843 | $907 | $974 | $1,046 | $1,122 | $4,892 |
Taxes & Fees | $2,046 | $0 | $60 | $0 | $60 | $2,166 |
Financing | $2,034 | $1,641 | $1,219 | $765 | $277 | $5,936 |
Depreciation | $7,546 | $3,937 | $3,657 | $2,964 | $2,248 | $20,352 |
Fuel | $2,755 | $2,838 | $2,923 | $3,011 | $3,101 | $14,628 |
True Cost to Own® | $19,459 | $11,955 | $10,986 | $11,213 | $11,617 | $65,230 |
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 | $1,232 | $1,269 | $1,307 | $1,346 | $1,387 | $6,541 |
Maintenance | $2,995 | $1,355 | $837 | $2,072 | $3,413 | $10,672 |
Repairs | $843 | $907 | $974 | $1,046 | $1,122 | $4,892 |
Taxes & Fees | $1,908 | $0 | $60 | $0 | $60 | $2,028 |
Financing | $1,887 | $1,522 | $1,131 | $710 | $257 | $5,507 |
Depreciation | $7,087 | $2,946 | $2,189 | $2,117 | $2,202 | $16,541 |
Fuel | $2,755 | $2,838 | $2,923 | $3,011 | $3,101 | $14,628 |
True Cost to Own® | $18,707 | $10,837 | $9,421 | $10,302 | $11,542 | $60,809 |
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 | $1,209 | $1,245 | $1,283 | $1,321 | $1,361 | $6,419 |
Maintenance | $2,915 | $1,393 | $756 | $2,056 | $3,469 | $10,589 |
Repairs | $792 | $851 | $914 | $981 | $1,053 | $4,591 |
Taxes & Fees | $1,845 | $0 | $60 | $0 | $60 | $1,965 |
Financing | $1,820 | $1,469 | $1,092 | $685 | $248 | $5,314 |
Depreciation | $4,504 | $2,972 | $4,049 | $3,487 | $2,390 | $17,402 |
Fuel | $2,424 | $2,497 | $2,572 | $2,649 | $2,728 | $12,870 |
True Cost to Own® | $15,509 | $10,427 | $10,726 | $11,179 | $11,309 | $59,150 |
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 | $1,219 | $1,256 | $1,293 | $1,332 | $1,372 | $6,472 |
Maintenance | $2,847 | $1,397 | $756 | $2,131 | $3,396 | $10,527 |
Repairs | $843 | $907 | $974 | $1,046 | $1,122 | $4,892 |
Taxes & Fees | $1,793 | $0 | $60 | $0 | $60 | $1,913 |
Financing | $1,765 | $1,424 | $1,058 | $664 | $241 | $5,152 |
Depreciation | $6,444 | $3,258 | $3,027 | $2,454 | $1,860 | $17,043 |
Fuel | $2,634 | $2,713 | $2,794 | $2,878 | $2,965 | $13,984 |
True Cost to Own® | $17,545 | $10,955 | $9,962 | $10,505 | $11,016 | $59,983 |
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 | $1,341 | $1,381 | $1,423 | $1,465 | $1,509 | $7,119 |
Maintenance | $2,927 | $1,355 | $837 | $2,072 | $3,335 | $10,526 |
Repairs | $843 | $907 | $974 | $1,046 | $1,122 | $4,892 |
Taxes & Fees | $2,182 | $0 | $60 | $0 | $60 | $2,302 |
Financing | $2,177 | $1,757 | $1,305 | $819 | $297 | $6,355 |
Depreciation | $8,138 | $4,851 | $4,278 | $3,295 | $2,381 | $22,943 |
Fuel | $2,246 | $2,314 | $2,383 | $2,455 | $2,528 | $11,926 |
True Cost to Own® | $19,854 | $12,565 | $11,260 | $11,152 | $11,232 | $66,063 |
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 | $1,341 | $1,381 | $1,423 | $1,465 | $1,509 | $7,119 |
Maintenance | $2,927 | $1,355 | $837 | $2,072 | $3,335 | $10,526 |
Repairs | $843 | $907 | $974 | $1,046 | $1,122 | $4,892 |
Taxes & Fees | $2,258 | $0 | $60 | $0 | $60 | $2,378 |
Financing | $2,258 | $1,822 | $1,353 | $850 | $308 | $6,591 |
Depreciation | $9,908 | $5,596 | $3,751 | $2,244 | $1,392 | $22,891 |
Fuel | $2,246 | $2,314 | $2,383 | $2,455 | $2,528 | $11,926 |
True Cost to Own® | $21,781 | $13,375 | $10,781 | $10,132 | $10,254 | $66,323 |
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 | $1,341 | $1,381 | $1,423 | $1,465 | $1,509 | $7,119 |
Maintenance | $2,927 | $1,355 | $837 | $2,072 | $3,335 | $10,526 |
Repairs | $843 | $907 | $974 | $1,046 | $1,122 | $4,892 |
Taxes & Fees | $2,153 | $0 | $60 | $0 | $60 | $2,273 |
Financing | $2,147 | $1,732 | $1,287 | $808 | $293 | $6,267 |
Depreciation | $7,545 | $4,340 | $4,033 | $3,269 | $2,478 | $21,665 |
Fuel | $2,246 | $2,314 | $2,383 | $2,455 | $2,528 | $11,926 |
True Cost to Own® | $19,202 | $12,029 | $10,997 | $11,115 | $11,325 | $64,668 |
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 | $1,341 | $1,381 | $1,423 | $1,465 | $1,509 | $7,119 |
Maintenance | $2,927 | $1,355 | $837 | $2,072 | $3,335 | $10,526 |
Repairs | $843 | $907 | $974 | $1,046 | $1,122 | $4,892 |
Taxes & Fees | $2,250 | $0 | $60 | $0 | $60 | $2,370 |
Financing | $2,250 | $1,816 | $1,348 | $847 | $307 | $6,568 |
Depreciation | $7,071 | $4,188 | $3,890 | $3,154 | $2,392 | $20,695 |
Fuel | $2,246 | $2,314 | $2,383 | $2,455 | $2,528 | $11,926 |
True Cost to Own® | $18,928 | $11,961 | $10,915 | $11,039 | $11,253 | $64,096 |
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 | $1,341 | $1,381 | $1,423 | $1,465 | $1,509 | $7,119 |
Maintenance | $2,927 | $1,355 | $837 | $2,072 | $3,335 | $10,526 |
Repairs | $843 | $907 | $974 | $1,046 | $1,122 | $4,892 |
Taxes & Fees | $2,258 | $0 | $60 | $0 | $60 | $2,378 |
Financing | $2,258 | $1,823 | $1,353 | $850 | $309 | $6,593 |
Depreciation | $7,317 | $3,782 | $3,562 | $3,634 | $3,559 | $21,854 |
Fuel | $2,246 | $2,314 | $2,383 | $2,455 | $2,528 | $11,926 |
True Cost to Own® | $19,190 | $11,562 | $10,592 | $11,522 | $12,422 | $65,288 |
*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.