Volvo
XC90
2021
Go
2021 volvo xc90
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FROM
$44,055
MPG
21 city / 30 hwy

Expert Rating

Not Available

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2021 Volvo XC90
Lease
$571 / month
Finance
$616 / month
Vehicle Price
A typical negotiated price before taxes & fees.
Incentives
Incentives that help lower the selling price of a vehicle.
Available Money Factor of 0.00158 for 36 month lease
Incentives
Incentives that help lower the selling price of a vehicle.
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Buying Tips

What you must know before buying the Volvo XC90

John Diether
Automotive Editor - November 9, 2020
  • 2021 XC90 stocked to meet demand; 2020s sold out
  • Up to $5,250 cash off + $1,000 loyalty bonus
  • Lease from $529 for 36 months
  • 0% APR for up to 60 months + up to $2,000 bonus

What's in store:

The 2021 XC90 is now stocked in decent numbers across the country. The former T8 plug-in hybrid is now known as the T8 Recharge and carries a lower MSRP. Dealer pricing has improved over the past year, but don't expect major discounting.

The T8 Recharge still qualifies for a $5,419 federal tax credit, but is no longer eligible for the California Clean Vehicle Rebate due to revised minimum range requirements.

The 2020 XC90 has sold out.

Current factory offers vary by region and will remain in effect through November 30, 2020 unless otherwise noted. Examples shown here are for California and other western states. It's possible Volvo will enhance incentives for Black Friday weekend.

Up to $6,250 off:

Volvo now offers a $3,000 rebate on the 2021 XC90 T5 and T6 trims. The amount increases to $4,000 on the T8.

Current Costco members will also receive a $1,250 bonus on any trim.

In addition, current Volvo customers are eligible for $1,000 loyalty bonus on any CX90 model, or $500 toward a lease.

What to expect on a lease:

Once again, the 2021 T5 Momentum starts at $529 a month with $4,929 at signing. That's not bad for the first offer of the model year, but it's still a tad high for us to recommend.

The line-topping 2021 T8 Recharge Inscription Expression starts at $615 a month with $5,015 at signing. We consider this a good value relative to MSRP.

Pay no interest, get cash:

In place of the standard rebate on a 2021 XC90, Volvo now offer 0% financing for 60 months. The deal comes with $2,000 bonus cash on the T8, and $1,000 on the other trims.

You can combine is offer with the Costco bonus and loyalty bonus if you qualify.

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Advertised Lease Deals

T5 Momentum
$529Monthly Payment
Term Length (months): 36
Due at signing: $4,929
Mileage: 10k
MSRP: $51,390
Deal Valid in: Los Angeles, CA
Expiration: 11/30/20
T8 Recharge Inscription Expression
$615Monthly Payment
Term Length (months): 36
Due at signing: $5,015
Mileage: 10k
MSRP: $65,090
Deal Valid in: Los Angeles, CA
Expiration: 11/30/20

This ranks as an excellent deal based on our expert analysis of: vehicle price, length of lease term, amount due at signing, monthly payment, etc.

CarsDirect Target Price

Prices vary by style

CarsDirectPricing as of 11/24/20 in 20149
MSRP
$49,995
Sales Price
$47,055
Cash Rebates
$3,000
Target Price
$44,055
Lease Estimate
$571/mo
Finance Estimate
$616/mo

Cash Incentives

Incentive available to most customers and purchasing situations.
RebateAmount
Bonus Cash Purchase Bonus Cash (Expires 11/30/20) Customer Rebate: Customers must take delivery of this vehicle prior to the expiration date to be eligible for this manufacturer rebate. This rebate may not be available on special factory orders or used in conjunction with special manufacturer financing or leasing programs. Other special financing programs may be available. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Lease purchases are excluded from this incentive $3,000
Loyalty Bonus Cash SR Loyalty Bonus - Purchase (Expires 11/30/20) For current owners of the same make. May not be compatible with certain other incentive types such as Conquest programs. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Individuals or members of the same household who currently owns/leases any model year Volvo or Saab vehicle OR has owned/leased either within the last 6 months. $1,000

Financing Incentives

RebateAmount
Promotional APR Offer Promotional APR programs available for qualified buyers. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Residents residing in qualifying regions of the United States. O.A.C. %Qualification% Retired service loaners and demonstrators are eligible for this program.
Term(s)24 - 3637 - 60
Rate %0%0%
Eligibility Residents residing in qualifying regions of the United States. O.A.C.
Loyalty Bonus Cash SR Loyalty Bonus - Purchase (Expires 11/30/20) For current owners of the same make. May not be compatible with certain other incentive types such as Conquest programs. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Individuals or members of the same household who currently owns/leases any model year Volvo or Saab vehicle OR has owned/leased either within the last 6 months. $1,000

Leasing Incentives

RebateAmount
Lease Bonus Cash VCFS Lease Bonus Cash (Expires 11/30/20) Bonus cash available for qualified customers leasing a vehicle through the manufacturer's captive finance company on approved credit. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Must be leased through Volvo Car Financial Services. $2,000
Lease Loyalty Bonus Cash SR Loyalty Bonus - Lease (Expires 11/30/20) Lease loyalty bonus cash available for current lessees of the same make. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% For current VCFS lease end retention customers, the loyalty allowance in only available with a Lease Payoff. %Qualification% Individuals or members of the same household who currently owns/leases any model year Volvo or Saab vehicle OR has owned/leased either within the last 6 months. $500

Hurry! Offer expires

Leases For Similar Cars

Based on 2021 Volvo XC90 T5 Momentum 7 Passenger 4dr Front-wheel Drive - MSRP $49,995

2021 Volvo XC90 Overview

Willis Kuelthau
Automotive Editor

What's New

The 2021 Volvo XC90 carries over with minor changes. Base models get new standard safety features, including blind-spot monitoring, rear cross-traffic alert, front parking sensors, and adaptive LED headlights. Wireless charging, two rear USB ports, new 19-inch wheels, and power-folding and auto-dimming side mirrors also now come standard.

Additionally, the plug-in hybrid models are no longer called T8 – they're now the XC90 Recharge. More importantly, the price of the hybrid has dropped by a few thousand dollars compared to last year, which makes it a more reasonable upgrade for buyers.

Choosing Your Volvo XC90

The XC90 comes in Volvo’s usual set of three trim levels: Momentum, R-Design, and Inscription. Prices sit below most luxury competitors, with the Momentum starting at $49,995 including destination and the Inscription priced from $64,890.

Engine Choices

The XC90 keeps the same three powertrains as last year, all of which are based on a 2.0-liter turbocharged four-cylinder engine. The T5 is standard on the Momentum and R-Design, with the supercharged T6 version available for an extra $7,050 (R-Design) or $7,950 (Momentum). The Inscription starts with the T6.

Finally, the Recharge plug-in hybrid powertrain is optional on R-Design and Inscription models. It adds an electric motor and a lithium-ion battery to the turbo-four engine, allowing it to get an EPA-estimated 18 miles of all-electric range.

Engine TypeHorsepowerTorqueFuel Economy (Combined)
T5 2.0L Turbo 4-Cylinder250 hp258 lb-ft25 mpg
T6 2.0L Turbo and Supercharged 4-Cylinder316 hp295 lb-ft22 mpg
T8 2.0L Turbo and Supercharged 4-Cylinder Plug-In Hybrid400 hp472 lb-ft27 mpg

All-wheel drive is standard with all but the base T5, where it’s a $2,500 option. All three powertrains use an eight-speed automatic transmission.

Passenger and Cargo Capacity

The XC90 comes in two seating configurations. The default is a seven-seat arrangement with a bench in the second row. Captain’s chairs can be swapped in on all trims but the R-Design to bring seating capacity down to six, but doing so requires the T6 or Recharge powertrain.

Cargo capacity is the same regardless. With all three rows in place, the XC90 starts with 15.8 cubic feet of space. Folding the third row opens up 41.8 cubic feet, and it can hold up to 85.7 with both back rows folded down.

Safety Features

The XC90 adds adaptive LED headlights and front parking sensors to its kit of standard safety features this year. That kit was already impressive, with adaptive cruise control, automatic emergency braking, lane keeping assist, blind-spot monitoring, rear cross-traffic alert, rear parking sensors, and automatic high beams.

On the options list, a surround-view camera system is available through the Advanced Package.

The 2021 model earned a five-star overall safety rating from the NHTSA. Last year’s Volvo was awarded a Top Safety Pick Plus award by the IIHS, and we have no reason to expect anything different this year.

Connectivity

Every XC90 gets a 9-inch infotainment touchscreen with Apple CarPlay, Android Auto, satellite radio, and HD radio. A 12.3-inch digital gauge cluster and a wireless charging pad in the center console are also standard.

Moving up to the R-Design brings navigation and a Harman Kardon audio system with a subwoofer. That audio system is an $800 option on the Momentum trim, while a $3,200 Bowers and Wilkins sound system is optional for $3,200 on the R-Design and Inscription.

A head-up display is also included with the optional Advanced Package, which also includes the navigation system on the Momentum.

Momentum - From $49,995

The XC90 Momentum comes with plenty of Scandinavian charm. Seats are upholstered in synthetic leather, the front seats are power adjustable, the trim is inlaid with walnut wood, and four-zone automatic climate control keeps things comfortable for all.

Outside, Volvo’s signature “Thor’s hammer” adaptive LED headlights are complemented by 19-inch alloy wheels. A panoramic sunroof, rain-sensing windshield wipers, a hands-free power tailgate, and keyless entry are included.

If the standard safety features aren’t enough, the Advanced Package ($2,400) adds a surround-view camera, as well as navigation, a head-up display, and interior ambient lighting. The Climate Package ($750) heats up the front seats, steering wheel, and wiper nozzles.

R-Design - From $56,595

The XC90 R-Design ups the ante with 20-inch wheels, Nubuck leather upholstery, and trim inlaid with metal mesh. The Harman Kardon sound system comes standard, and the front seats are heated and have power cushion extensions and lumbar support. The exterior gets more aggressive accents.

The Advanced Package is only $1,500 at this trim, and an adaptive air suspension is available for $1,800.

Inscription - From $64,890

The Inscription trim elevates the interior with ventilated Nappa leather seats, power-adjustable side supports, and black ash inlays. This trim is only available with the T6 or Recharge powertrain.

The newly-available Lounge Package ($1,700) adds a Nubuck headliner and massage-capable front seats.

Compare XC90 Trims Side-By-Side

CarsDirect Tip

The T6 powertrain is worth it for the extra oomph. We like the 2021 Volvo XC90 Momentum trim best, but the upgrades in the R-Design are reasonable for the price.

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