VOLVO XC40 MOMENTUM CORE T2 (2021)
Running costs, reliability data, and common problems from 87 real MOT tests.
Annual Cost
£1,737
£145/month
MOT Pass Rate
83%
Good
Road Tax
£195
Flat rate/year
Insurance
Grp 12-25
1477cc Petrol
Solid Option
83% pass rate, £1737/year to run. Close to the national average.
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Annual Running Costs
~42 mpg
Flat rate (post-2017)
Based on 7,400 miles/year (UK average), current fuel prices, and repair likelihood from MOT data. Insurance not included.
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Reliability Verdict
Good reliability. Occasional issues but generally solid. That's close to the national average of 82%. It falls below the VOLVO brand average of 87%.
At 5 years old, 83% of VOLVO XC40 MOMENTUM CORE T2s from 2021 passed their MOT first time in 2026. That's based on 87 tests across the UK. The average mileage at this age is 27,818 miles.
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Mileage Analysis
27,818
Average miles
37,000
Expected for age
The average 2021 VOLVO XC40 MOMENTUM CORE T2 has 27,818 miles on the clock, which is below the expected 37,000 miles for a 5-year-old car. This suggests lighter use than average, which generally means less wear on major components.
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VOLVO XC40 MOMENTUM CORE T2 by Year
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About the 2021 VOLVO XC40 MOMENTUM CORE T2
The 2021 VOLVO XC40 MOMENTUM CORE T2 is a premium with a 1477cc petrol engine. 87 of these vehicles were MOT tested in 2026, making it a rare model on UK roads. It sits in the bottom 95% of 2021 cars for MOT pass rates.
With an average of 27,818 miles at 5 years old, VOLVO XC40 MOMENTUM CORE T2 owners tend to use this car less than the typical driver.
2021 VOLVO XC40 MOMENTUM CORE T2 Fuel Costs
The 1477cc petrol engine offers a reasonable balance between performance and economy. Expect around 42 mpg in mixed driving, which works out to roughly £1,137 per year at current petrol prices of 142p per litre (based on 7,400 miles per year).
What does it cost to own a 2021 VOLVO XC40 MOMENTUM CORE T2?
Total estimated annual running cost is £1,737 (£145/month), broken down as £1137 fuel, £195 road tax, £55 MOT, and £350 predicted repairs. Repair costs are moderate, reflecting the 83% pass rate. Keeping on top of servicing will help avoid surprises.
Buying a Used 2021 VOLVO XC40 MOMENTUM CORE T2
At 5 years old, the VOLVO XC40 MOMENTUM CORE T2 offers good value with plenty of life remaining. Most manufacturer warranties will have expired, so a pre-purchase inspection is worth the cost. Note: with only 87 tests in our data, these figures should be treated as indicative rather than definitive.
Common Issues to Watch For
Based on the 2021 VOLVO XC40 MOMENTUM CORE T2's fuel type, age, and engine size, these are the most likely problem areas to check.
Service History
Low riskAlways request a full service history. Regular servicing is the single best indicator of how well a car has been maintained, regardless of mileage.
Running Costs Compared
How the 2021 VOLVO XC40 MOMENTUM CORE T2 stacks up against similar cars for annual running costs, insurance, and tax.
| Car | Pass Rate | Fuel/yr | Tax/yr | Insurance | Total/yr |
|---|---|---|---|---|---|
| VOLVO XC40 MOMENTUM CORE T2(2021) | 83% | £1137 | £195 | Grp 12-25 | £1737 |
| FORD FIESTA(2019) | 91% | £955 | £190 | Grp 1-8 | £1400-£337 |
| VOLKSWAGEN GOLF(2019) | 92% | £1137 | £190 | Grp 12-25 | £1582-£155 |
| VAUXHALL CORSA(2019) | 88% | £1137 | £190 | Grp 8-20 | £1732-£5 |
| NISSAN QASHQAI(2020) | 93% | £1137 | £190 | Grp 12-25 | £1582-£155 |
Estimates based on 7,400 miles/year, current fuel prices, and MOT data. Insurance groups are indicative. Actual costs vary by driver, location, and usage.
Related Volvo Models
Explore other Volvo cars or similar models in the same category.
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FORD FIESTA
2019 · 998cc Petrol
VOLKSWAGEN GOLF
2019 · 1498cc Petrol
VAUXHALL CORSA
2019 · 1398cc Petrol
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