Used 2021 Volvo XC90 for Sale nearChicago, IL

How much does the 2021 Volvo XC90 cost?

Prices have softened 14.81% compared to this time last year, making it a favorable time to shop this model year.

There are 1,007 listings available, which gives you a solid pool to compare trims, mileage, and condition.

Is the 2021 Volvo XC90 a good car?

Yes — the 2021 Volvo XC90 earns a 5/5 user rating and a 7.67/10 expert rating. The model scores 9/10 across Look and feel and Safety.

It stands out as Volvo’s flagship SUV, with a premium cabin, distinctive styling, and a safety-first identity that still feels upscale rather than clinical. It is especially appealing if you want a three-row luxury SUV that prioritizes design, refinement, and reassurance over flash.

The trade-offs are real: the third row is cramped, performance is sluggish, and the lack of USB-C ports can be annoying if you rely on newer devices. Even so, the XC90’s market position remains strong, with 35.8% of listings marked as good or great deals.

Is the 2021 Volvo XC90 reliable?

Owners rate it 5/5, a strong signal of long-term satisfaction.

The XC90’s current-generation design has been around long enough to prove its basic formula, and Volvo’s emphasis on safety and refinement supports its reputation as a durable family SUV. The powertrains are built around a 2.0-liter four-cylinder engine and an eight-speed automatic, and the model’s overall engineering focus is more on calm, premium driving than on complexity for its own sake.

Volvo also backs the XC90 with a four-year, 50,000-mile basic warranty and powertrain warranty, which helps reduce early ownership risk. For used buyers, the main long-term concern is less about headline reliability and more about choosing a well-maintained example with the right equipment and service history.

What should I look for when buying a used 2021 Volvo XC90?

Accident-free inventory is solid at 81.5% — always verify the vehicle history report.

You should still check the history report carefully, because accident-free status does not replace a full inspection. Pay close attention to the third row, infotainment behavior, and any signs that the vehicle has been used heavily as a family hauler. If you’re shopping a plug-in hybrid, make sure the charging setup and battery-related ownership history make sense for your driving routine.

Key things to evaluate:

• Trim level: The Momentum is the base model and does not get the extra visual flair of the R-Design or Inscription, while the Inscription adds the most upscale presentation with extra chrome and available 21-inch wheels. If you want the best value, the midlevel R-Design is the trim to focus on because it adds a sportier look without moving all the way to the top of the range.
• Powertrain: The T5 uses a turbocharged 2.0-liter four-cylinder with 250 horsepower and 258 pound-feet of torque, while the T6 adds supercharging for 316 hp and 295 lb-ft. The T8 plug-in hybrid combines the engine with electric assist for 400 hp and 472 lb-ft, but it can feel less flexible than larger-engine rivals and is most efficient when you plug in regularly.
• Safety package: Volvo’s standard suite includes lane-keep assist, a driver-attention monitor, traffic-sign recognition, blind-spot monitoring, rear cross-traffic alert, automatic emergency braking, and Pilot Assist. The non-hybrid models also earned top IIHS crash-test results, while the plug-in hybrid’s IIHS ratings were not updated.
• Infotainment: You get a 9-inch touchscreen, a 12.3-inch digital instrument cluster, Apple CarPlay/Android Auto compatibility, Bluetooth, and a built-in WiFi hotspot. Two front USB-A ports and two rear USB-C ports are standard, and the system also supports available premium audio and a head-up display.
• Fuel efficiency: The base FWD T5 is rated at 25 mpg combined, the AWD T5 at 23 mpg combined, and the AWD T6 at 22 mpg combined. The T8 plug-in hybrid is rated at 27 mpg combined in hybrid mode and offers up to 18 miles of all-electric range.

Which 2021 Volvo XC90 trim should I buy?

The 2021 Volvo XC90 is offered in 3 trim levels: Momentum, R-Design, and Inscription.

Here's the short version:

• Momentum: This is the entry point, and it makes the XC90’s core strengths accessible without pushing you into the pricier appearance upgrades. It’s the trim to consider if you want the cleanest path into the model and care more about safety, comfort, and value than extra visual polish.
• R-Design: This is the best-value trim if you want a more distinctive look, since it adds a sportier appearance and comes with 20-inch wheels. It gives you a stronger personality without requiring you to jump to the top trim.
• Inscription: This is the most upscale choice, with extra chrome trim and available 21-inch wheels that make the XC90 look and feel the most luxurious. Choose it if you want the richest presentation and are willing to pay for it.

The safety package is especially strong across the lineup, but the non-hybrid models are the ones with the updated IIHS recognition.

Is now a good time to buy a used 2021 Volvo XC90?

This is a moderate, selective buyer’s market, so you have room to shop carefully and still find a decent deal.

• Deal availability: 35.8% of listings are priced as good or great deals.
• Inventory: There are 1,007 listings available.
• Price trend: Prices have softened 14.81% compared with last year.
• Clean inventory: 81.5% of listings are accident-free.

If you find a listing below $27,140, that's toward the low end of the year-round range and worth acting on quickly.

What is the 2021 Volvo XC90's resale value?

The current average of $27,140 sits slightly below last year's $31,858.

That decline suggests the XC90 has become more affordable for buyers, which can make it easier to move later if you buy at the right price. For future sellers, the key is to avoid overpaying now, because resale value is strongest when your purchase price already reflects the market correction.

The XC90’s premium image, safety reputation, and broad appeal as a family SUV should help support demand over time. Vehicles with strong owner satisfaction ratings, like this model year's 5/5, tend to retain buyer demand, which supports resale value over time.

Is the 2021 Volvo XC90 safe?

The 2021 XC90 received the highest “Top Safety Pick+” rating from the Insurance Institute for Highway Safety (IIHS), and all 2021 XC90 models earned a five-star overall safety rating from NHTSA, with five-star ratings in frontal and side crash tests and four stars in rollover testing.

It earns a 9/10 safety score from our experts.

Volvo equips the XC90 with a long list of standard driver-assistance features, including lane-keep assist, a driver-attention monitor, traffic-sign recognition, blind-spot monitoring, rear cross-traffic alert, automatic emergency braking, and Pilot Assist. Pilot Assist combines adaptive cruise control with automated lane centering, and it remains one of the smoother systems in this class.

One caveat is that the IIHS Top Safety Pick+ result applies to non-hybrid models only, since the XC90 T8 plug-in hybrid was not updated in the IIHS testing. The non-hybrid models also earned “Good” scores in all IIHS crash tests, while headlights and LATCH anchors were rated “Acceptable.”

Should I buy a 2021 Volvo XC90 or consider a different year?

If you're weighing the 2021 against nearby model years, here's how to think about it:

Choose the 2021 if:

• 35.8% of listings are priced as good or great deals.
• Accident-free inventory is solid at 81.5% — always verify the vehicle history report.
• Price trend: Prices have softened 14.81% compared with last year.
• Owners rate it 5/5 — a strong satisfaction signal.
• It adds Care Key and newly standard tech features while keeping the XC90’s safety-first luxury identity.

Consider the 2020 if:

• At $23,279, the 2020 costs less than the current year's $27,140 average.
• It offers a premium-feeling three-row SUV with strong safety and a polished cabin.

Consider the 2022 if:

• At $30,058, the 2022 costs more than the current year's $27,140 average.
• It adds an eco-conscious angle with available plug-in hybrid efficiency and leather-free features.

The bottom line: The 2021 is the right pick if you want the XC90’s upscale safety-first formula with modest updates and a softer used-car price than newer examples. If you’re especially price-sensitive, the 2020 is the better value play; if you want to spend more for newer-year appeal, the 2022 is the step up to compare.

These recommendations are based on CarGurus' proprietary market data from September 15, 2026, CarGurus experts' opinions, and generative AI.