Owning a Volvo XC90 means enjoying Scandinavian luxury, advanced technology, and top-tier safety. However, maintaining a premium SUV comes with its own set of expenses. If you’re considering buying an XC90, understanding its maintenance and ownership costs is essential. Here’s a breakdown of what to expect in terms of service costs, insurance, fuel expenses, and long-term reliability.
1. Volvo XC90 Service & Maintenance Costs
Routine Maintenance Schedule
Volvo recommends servicing the XC90 every 10,000 km or once a year, whichever comes first.
Estimated Service Costs in India (Annual/10,000 km)
- Regular Service: ₹25,000 – ₹40,000
- Brake Pad Replacement (Front & Rear): ₹20,000 – ₹30,000
- Battery Replacement: ₹15,000 – ₹25,000 (depending on the model)
- Tyre Replacement (Set of 4): ₹80,000 – ₹1,20,000 (for premium brands)
- Wiper Blade Replacement: ₹5,000 – ₹8,000
Volvo offers prepaid service plans that can help reduce overall maintenance costs over time.
2. Volvo XC90 Fuel Costs
The XC90 is available as a mild-hybrid petrol (B6 Ultimate) in India, while international markets also get plug-in hybrid (Recharge T8) options.
Fuel Efficiency & Costs
- Mild-Hybrid Petrol (B6 Ultimate): 11 km/l
- Plug-in Hybrid (Recharge T8): 50-60 km electric range + petrol mode
For an average annual driving distance of 15,000 km, here’s an estimated fuel expense calculation:
- Petrol Model (B6 Ultimate)
- Fuel Cost per Liter: ₹100 (approx.)
- Annual Fuel Cost: ₹1,35,000 (assuming 11 km/l)
- Plug-in Hybrid Model (Recharge T8, International Market)
- Lower fuel cost due to electric mode usage
The plug-in hybrid version is more fuel-efficient but currently unavailable in India.
3. Volvo XC90 Insurance Costs
The insurance premium depends on factors like variant, location, and add-on covers.
Estimated Annual Insurance Premium
- Comprehensive Plan (Zero Depreciation): ₹1,00,000 – ₹1,50,000
- Third-Party Insurance: ₹50,000 – ₹75,000
Opting for add-ons like roadside assistance, engine cover, and consumable cover increases the premium.
4. Long-Term Ownership Costs & Resale Value
Depreciation & Resale Value
- After 3 Years: 65-70% of original value retained
- After 5 Years: 50-55% resale value
- After 7+ Years: 35-40% resale value
While Volvo cars tend to depreciate faster than German rivals, the XC90 holds its value well due to low availability and high demand in the used luxury SUV market.
5. Common Repair & Replacement Costs
Though Volvo vehicles are known for their durability and reliability, here are some possible long-term repair expenses:
- Transmission Repair: ₹2,50,000 – ₹4,00,000
- Suspension Overhaul: ₹1,50,000 – ₹2,50,000
- AC System Repairs: ₹50,000 – ₹1,00,000
- Electronic Module Replacement: ₹1,00,000 – ₹1,50,000
Extended warranty plans help cover some of these costs.
Final Verdict: Is the Volvo XC90 Affordable to Maintain?
✅ Pros
✔ Lower maintenance costs compared to German rivals (BMW X5, Mercedes-Benz GLE)
✔ Prepaid service plans reduce long-term expenses
✔ Good resale value if well-maintained
❌ Cons
❌ Expensive insurance and fuel costs for petrol-only models
❌ Costly repairs if out of warranty
Final Rating: ⭐⭐⭐⭐ (4/5)
The Volvo XC90 is a premium SUV with reasonable maintenance costs for its class. While fuel and insurance costs are on the higher side, its reliability, luxury, and long-term durability make it a solid investment.
🚗 Would you choose the XC90 over its competitors? Let us know your thoughts!