This vehicle is no longer listed, so the estimate starts from $23,999 — the typical market price for this build. Move the numbers to match your own loan.

Vehicle price

Down payment

10% down

Interest rate (APR)

7.0% is a typical rate for a well-qualified buyer — use your own quote if you have one.

Loan term

Estimated monthly payment

$428

per month

60 months · 7.0% APR · $2,400 down

Amount financed

$21,599

Total interest

$4,081

Estimate only. Excludes tax, title, registration and dealer fees, and assumes a fixed-rate loan with equal monthly payments. Your actual rate depends on your credit and lender.

Decoded from the VIN

NHTSA build data for LVYA22MT5MP196358

Trim

Ocean Race

Engine

2.0L · V4

Horsepower

316

Drivetrain

AWD/All-Wheel Drive

Transmission

Automatic

Body

Sedan/Saloon

Fuel

Gasoline

Doors

Model year

2021

Full factory specs for this build →

✓ Backup camera
✓ Blind-spot monitor
✓ Lane departure
✓ ABS
✓ Electronic stability

Fuel economy (EPA)

Combined

MPG

City

MPG

Highway

MPG

$1,860 /yr est. fuel

Assumes 15,000 miles a year at $3.10/gallon and 25 MPG combined.

5-year cost to own

Beyond the sticker: what this 2021 Volvo S90 likely costs over five years at 15,000 mi/yr.

Depreciation $8,444

Fuel $9,300

Insurance $8,000

Maintenance & repairs $4,500

Total, 5 years $30,244

Estimate — insurance and taxes vary by driver and state.

Safety & recalls

NHTSA crash tests & recall campaigns for this model year

The 2021 Volvo S90 has 2 recall campaigns as of August 2026. EPA combined fuel economy: 25 MPG.

2 recall campaigns on this model year

Check accident & title history →

SERVICE BRAKES, HYDRAULIC

Volvo Car USA, LLC (Volvo Car) is recalling certain 2021 S90L, 2020-2021 XC60, and XC90 vehicles.

NHTSA campaign 21V716000
ELECTRICAL SYSTEM

Volvo Car USA, LLC (Volvo Car) is recalling certain 2020-2021 S90, 2020-2022 S60, V60, XC60, XC90, and 2022 V90 plug-in hybrid vehicles.

NHTSA campaign 25V179000

Recall campaigns apply to the model year, not to one car. Check remedy status for this VIN at nhtsa.gov/recalls.

Model-level data for the 2021 Volvo S90 from NHTSA (recalls, NCAP crash tests) and EPA fueleconomy.gov, refreshed August 30, 2026.

How it compares to rivals

Median asking price for comparable body styles listed near this car

Model	Median price	For sale nearby	vs this car
2021 Volvo S90 Ocean Race (this car)	$23,999	7	—
2023 Honda Accord	$24,482	12	+$483
2023 Tesla Model 3	$25,270	12	+$1,271
2021 Toyota Corolla	$22,029	10	−$1,970
2023 BMW I4	$31,573	9	+$7,574
2023 Dodge Charger	$45,900	9	+$21,901

Cheapest active listings of each comparable body style in this region — median of what those models actually ask.

Market by model year

What each model year costs right now — live supply, median asking price and how much value each year keeps versus the newest one.

Year	Units for sale	Median price	vs newest	Avg mileage
2025	14	$49,668	100%	10,075 mi
2024	20	$45,260	91%	33,064 mi
2023	72	$37,028	75%	48,932 mi
2022	15	$28,995	58%	57,979 mi
2020	16	$25,240	51%	72,821 mi
2019	21	$18,139	37%	86,354 mi
2018	113	$16,950	34%	98,083 mi
2017	70	$16,248	33%	101,604 mi