Volvo XC90 · Cost of Ownership
Volvo XC90 Costs
The average cost of owning a Volvo XC90 for 5 years is $59,510. This total will vary per vehicle, driver, and location. These ownership expenses include:
Cost breakdown
5-Year Cost Breakdown
| Cost | Value | Percent |
|---|---|---|
| Depreciation | $27,840 | 47% |
| Fuel | $10,000 | 17% |
| Interest | $9,670 | 16% |
| Insurance | $8,200 | 14% |
| Maintenance | $3,800 | 6% |
Value rating
Volvo XC90 CarMatch Value Rating
This grade is our unbiased financial assessment of whether the Volvo XC90 is likely to be a good or poor automotive investment, based on its 5-year cost to own relative to its price. Learn more about our Value Ratings.
Depreciation
$27,84047% of 5-yr costDepreciation is the value the Volvo XC90 sheds over five years — almost always the single largest cost of ownership. Models that hold their value shrink this number dramatically.
Insurance Premiums
$8,20014% of 5-yr costEstimated full-coverage insurance premiums for the Volvo XC90 over five years. Your actual rate depends on driving record, location, and coverage level.
Maintenance & Repairs
$3,8006% of 5-yr costRoutine service, wear items, and out-of-warranty repairs for the Volvo XC90. EVs and simpler powertrains typically land at the low end here.
Loan Interest
$9,67016% of 5-yr costFinance charges on a typical 60-month loan for the Volvo XC90 at current average APRs. A larger down payment or shorter term reduces this.
Fuel Costs
$10,00017% of 5-yr costEstimated fuel or charging cost to drive the Volvo XC90 ~15,000 miles a year for five years, based on its powertrain and typical energy prices.