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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

$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

Ownership Costs: 5-Year Total

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

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

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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.