Cost of Ownership
Volvo Cost of Ownership
The average estimated 5-year cost to own a Volvo is $55,510, across 2 models (avg. new price $52,000). Ownership cost is the sum of depreciation, insurance, fuel, maintenance, and loan interest.
Brand average
5-Year Cost Breakdown
$55,510Total cost for 5 years
| Cost | Value | Percent |
|---|---|---|
| Depreciation | $25,190 | 45% |
| Fuel | $10,000 | 18% |
| Interest | $8,670 | 16% |
| Insurance | $8,000 | 14% |
| Maintenance | $3,650 | 7% |
By model
Volvo Models — 5-Year Cost to Own
| Model | New Price | 5-Year Total |
|---|---|---|
| Volvo XC60 (2026) | $46,000 | $51,509 |
| Volvo XC90 (2026) | $58,000 | $59,510 |
How We Calculate Cost of Ownership
CarMatch estimates five-year cost to own by modeling each major expense a Volvo owner faces over five years and ~75,000 miles, then summing them. Figures are independent estimates from our own model — no dealer pays to influence them — and are refined as verified valuation and cost data come online.
What’s Included?
- Depreciation
- The value the vehicle sheds over five years — usually the single largest ownership cost.
- Insurance
- Estimated full-coverage premiums over five years; your rate varies by driver, location, and coverage.
- Fuel
- Energy cost to drive roughly 15,000 miles a year for five years, based on the powertrain.
- Maintenance & Repairs
- Routine service, wear items, and out-of-warranty repairs over the first five years.
- Loan Interest
- Finance charges on a typical 60-month loan at current average APRs.
A
Value rating
Volvo CarMatch Value Rating
Our unbiased read on how Volvo’s lineup balances five-year cost to own against price. See the Value Rankings.