Volvo XC90 Costs

Volvo XC90 Costs of Ownership

The average cost of owning a Volvo XC90 for 5 years is $63,199. This total will vary per vehicle, driver and location. These ownership expenses include:

The interactive chart below illustrates the relative proportion of each of the major costs of ownership. Click on any of the expenses boxes to see more detail.

Volvo XC90 CarEdge Value Rating

D-

This grade is our unbiased, trusted and candid financial assessment of whether the Volvo XC90 is likely to be a good or bad automobile investment. Learn more about our Value Ratings and methodolgy.

Volvo XC90 Depreciation

A Volvo XC90 will depreciate in value by $34,610 after 5 years. Depreciation is difficult to avoid, but it can be managed. Depreciation is the difference between the original sales price, and what the vehicle will be worth in the future. We use 5 years as an example in our analysis.

When new, a typically-equipped Volvo XC90 sells for $63,064 on average. After 5 years of depreciation, the average residual value will be $28,454. This represents the vehicle's retail market price. Trade-in and private sale prices will likely be lower. Use our Volvo XC90 Depreciation Calculator to see how model year and mileage will affect your resale value.

Volvo XC90 Depreciation Calculator

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Current Price
Own it For
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Volvo XC90 Insurance

The average annual cost for auto insurance for a Volvo XC90 is $1,711, which adds up to $8,555 after 5 years of ownership. These insurance costs are estimates based on national averages for a 40 year old, with full coverage, a good driving record, and good credit. They also assume a single-car policy, and won't reflect any multi-car discounts. See our Volvo XC90 Insurance Tool to view rates by state, for different driver ages, credit ratings and driving history.

Volvo XC90 insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Volvo XC90 Maintenance

Maintenance and repair costs for a Volvo XC90 will amount to $3,334 after 5 years. Expenses include scheduled maintenance, normal wear and tear items and expected repairs. These estimates exclude any free warranty work performed.

The region you live, and the way you care for and drive your vehicle can have a big impact on these costs. So, your results may vary significantly from our estimates. Our Volvo XC90 Maintenance Cost Estimator shows how much you are likely to spend, and the probabilities of a major repair over 10 years.


Volvo XC90 Financing Costs

The average cost to finance a new Volvo XC90 would be $7,385 after 5 years. This assumes a 72-month loan with an APR of 4.75% and a 20% down payment. Financing costs are a vehicle cost that you can control. Your interest expense can be greatly reduced by changing your loan term, improving your credit score, or increasing your down payment. If you don't know your credit score, or haven't checked in a while, it's completely free on Credit Karma.

Our Volvo XC90 Loan Calculator allows you to build a loan that's best suited for you. This handy utility will also help to keep you from becoming upside down, where you end up owing more than the vehicle is worth. You can estimate monthly payments and download the full amortization schedule as well. We've highlighted some typical loan scenarios in the table below. See what a difference a larger down payment will make in lowering your financing costs and your monthly payments.

Volvo XC90 Loans

Condition Term Down Payment
New 72 Month 0% Down 20% Down
New 60 Month 0% Down 20% Down
Used 48 Month 0% Down 20% Down
Used 36 Month 0% Down 20% Down

Volvo XC90 Fuel Economy

A Volvo XC90 gets an average of 23 MPG, which will cost a total of $9,315 for fuel after 5 years, or about $1,863 annually. These estimates are based on recently collected national average fuel prices, assuming 12,000 miles driven per year - 55% city and 45% highway. These figures also reflect current EPA estimates. Fuel costs will vary based on your driving style, fuel prices in your area, and the engine that will be in your vehicle. We used the Volvo XC90 models and engines below for our estimates:

Volvo XC90 MPG

Model Powertrain MPG (combined) City Hwy
XC90 AWD 4cyl, 2L, Auto(S8) 21 18 26
XC90 AWD 4cyl, 2L, Auto(S8) 23 20 27
XC90 FWD 4cyl, 2L, Auto(S8) 25 21 30

Volvo XC90 Video Review