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2004 Volvo XC90 Overview, Reviews, Ratings & Specs

Rating: 4.25
Based on 51 Owner Reviews â–¶
Simon A | March 31, 2025
The 2004 Volvo XC90 marked Volvo's entry into the SUV market. It's a mid-size SUV known for its focus on safety and family practicality. The first generation XC90 was produced from 2002 to 2014. Key trims included the 2.5T, T6, and later V8 models. Pricing ranged from around $34,000 new to now under $5,000 used, depending on condition. Its blend of Scandinavian design, safety features, and available third-row seating made it popular.
The Good

The 2004 Volvo XC90 offers a comfortable ride and a well-designed interior, appealing to those valuing practicality and Scandinavian aesthetics. Performance is adequate, with the T6 offering a bit more power. Its strong safety reputation provides emotional reassurance for families, while its now-affordable price point makes it a practical choice for budget-conscious buyers. Reliability can be a concern, however, so research is important.

The Bad

Known weaknesses of the 2004 Volvo XC90 include potential transmission issues, particularly with the T6 model. Suspension components, like bushings and struts, are prone to wear. Electrical problems and issues with the climate control system are also frequently reported. Regular maintenance is crucial to mitigate these risks. Check for service history and signs of neglect before purchasing.

2004 Volvo XC90: Quick Overview

  • Engine Options:
    • 2.5T: 2.5-liter turbocharged inline-5
    • T6: 2.9-liter twin-turbocharged inline-6
  • Horsepower:
    • 2.5T: 208 hp
    • T6: 268 hp
  • Fuel Economy (EPA Estimated):
    • 2.5T: 18 mpg city / 24 mpg highway
    • T6: 15 mpg city / 20 mpg highway
  • 0-60 Times (approximate):
    • 2.5T: 9.3 seconds
    • T6: 7.6 seconds
  • Towing Capacity: Up to 5,000 lbs (properly equipped)
  • Trim Level Features (typical):
    • Base (2.5T): Leather upholstery, power driver's seat, dual-zone climate control, premium sound system, alloy wheels.
    • T6: All base features plus: More powerful engine, upgraded interior trim, possibly navigation system (optional).
    • Optional Features: Third-row seating, navigation system, sunroof, premium sound system upgrades, rear entertainment system, all-wheel drive.

2004 Volvo XC90 Specifications

Vehicle Information
Year 2004
Make Volvo
Model XC90
Trim -
Style All-Wheel Drive 2.5-T
Type Sport Utility Vehicle
Category Standard Sport Utility Vehicle
Manufacturing Details
Made In Sweden
Manufacturing City BORN
Dimensions
Doors 4-Door
Curb Weight 4354 pounds
Gross Vehicle Weight Rating 5640 pounds
Overall Height -
Overall Length -
Overall Width -
Wheelbase Length -
Standard Seating -
Engine & Performance
Engine 2.5-L I5
Engine Size 2.5L
Engine Cylinders 5
Transmission 5-Speed Automatic
Transmission Type Automatic
Transmission Speeds 5-Speed
Drivetrain All-Wheel Drive
Additional Features
Anti-Brake System -
Steering Type -
Pricing
Manufacturer Suggested Retail Price (MSRP) $34,790
Invoice Price $32,738
Delivery Charges $685

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What Problems Does the 2004 Volvo XC90 Have?

Frequently reported problems for the 2004 Volvo XC90 center around the automatic transmission, particularly in the T6 model, which is known for premature failure. Symptoms include slipping gears, rough shifting, and eventual complete failure. Replacing or rebuilding the transmission can be costly. Suspension issues, such as worn-out bushings and struts, are also common due to the vehicle's age and weight.
Other common issues include: electrical problems affecting various systems like the climate control, power windows, and sunroof; oil leaks, especially from the turbocharger or valve cover gasket; and cooling system problems, such as radiator leaks and thermostat failures.
While specific recall information should be checked with the NHTSA database using the VIN, general recalls for the XC90 have included issues with the fuel pump relay, potentially causing the engine to stall. Long-term reliability concerns revolve around the aging components and the potential for costly repairs. Pre-purchase inspections by a qualified mechanic are highly recommended to assess the vehicle's condition and identify potential problems.

How long will the 2004 Volvo XC90 last?

A 2004 Volvo XC90, with proper maintenance, could reach 200,000 miles or more. However, this heavily depends on diligent maintenance habits. Lack of maintenance significantly shortens lifespan. Many examples are still on the road, showcasing the inherent durability of the Volvo platform, but preventative maintenance is key.
Long-term weaknesses include wear and tear on suspension components, transmission failures (especially in the T6), and gradual degradation of rubber and plastic parts. Corrosion can also be a factor in colder climates. Regular fluid changes and addressing minor issues promptly can extend the vehicle's service life considerably.
Positive Owner Reviews
Orangecrushz28
This should be a recall so many people with these volvos complaining about the dim clusters messing up srs airbag urgent light on cluster shuts off car goes into limp mode no shifting no lights on gauges everything fails paid 3500 for my 04 xc90 now its a nice driveway ornament because of this issue had a equinox regret selling n buying volvo junk ....volvo shame on you for this it should be recalled with all these customers with same issue
Jjs337
Inline 6 is virtually indestructible. Twin turbo adds power. All around quality. Ice cold AC. All wheel drive comes in handy. I wouldn't hesitate to buy an XC90 again.
LeslieDavis3
Perfect car all around. A bit expensive to maintain but totally worth it. I drove this car for years and always felt safe. Love everything, great on gas. An incredible amount of space inside.
Negative Owner Reviews
Notafanofvolvo
Unreliable, costly repairs, rarely gets over 100000 miles. Purchased a 2004 with 95000 miles on it, paid in cash. 1 day later check engine light went on, 500 dollars for tune up, spark plugs and oil change, 1 week later needed to go back for check engine light and the shop could not determine what was wrong. 1 month later the first gear of transmission stopped working, still at under 100,000 miles, was quoted 5,000 to fix transmission. 1 week later the electrical system failed So we junked it taking a 3000 dollar lose. Do your research, this model has transmission issues and Volvo was sued about it and they still don’t recall this model. Don’t be deceived by how nice the interior and exterior of this model is.
YOUKNOWWHO
IT'S A WHOLE LEMONADE STAND THIS ? GUY ROBBED ME OF 900.00 IN LESS THAN 24 HOURS NBS AFTER SELLING A LEMON WITH PROMISES THE xxxx NOT SOUR
Woah-lvo
Transmission failures and water leakagr/damage to interior of vehicle very common problems. Literally thousands dollars damages for repairs. Steer clear volvo.

What Technology & Safety Features are Included?

The 2004 Volvo XC90 came with a range of built-in tech and safety features for its time. Standard features included a premium sound system, dual-zone climate control, and leather upholstery on most trims.
Entertainment: The standard sound system was relatively good, and optional upgrades were available, including a rear entertainment system with a DVD player.
Driver-Assistance: While lacking modern driver-assistance features like lane departure warning or adaptive cruise control, the XC90 had standard ABS, traction control, and stability control. Rear parking sensors were available as an option.
Safety: Safety was a major focus. Standard features included front and side airbags, side curtain airbags covering all three rows, and whiplash protection seats (WHIPS).
Optional Features: Optional features included a navigation system, sunroof, and all-wheel drive.
Crash Test Ratings: The 2004 Volvo XC90 received high crash test ratings from the Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA) at the time of release, reflecting Volvo's commitment to safety. However, it's crucial to remember that safety technology has advanced considerably since 2004.

What Colors Options are Available?

Exterior Colors
Black Stone
Silver Metallic
Barents Blue Metallic
White
Titanium Gray Pearl
Midnight Blue Pearl
Interior Colors
Beige
Graphite
Oak

2004 Volvo XC90 Prices and Market Value

When new, the 2004 Volvo XC90 ranged from approximately $34,000 to $40,000 depending on the trim and options. Current used market prices typically range from $2,000 to $7,000, depending on condition, mileage, and location. Depreciation has been significant due to age, mileage, and reported reliability concerns.
Factors affecting resale value include: overall condition, maintenance records, mileage, and the presence of desirable options like all-wheel drive and third-row seating. T6 models tend to depreciate more rapidly due to transmission issues.

2004 Volvo XC90 Cost of Ownership

The 2004 Volvo XC90 is not particularly economical to own. Insurance costs are moderate, but fuel economy is poor, especially with the T6 engine. Maintenance can be expensive, particularly for specialized Volvo parts and labor. Repairs, especially for the transmission and electrical systems, can be costly. Long-term ownership costs can be high due to the age of the vehicle and the potential for breakdowns. Budgeting for unexpected repairs is essential.

2004 Volvo XC90 Fuel Efficiency

Fuel Type Gasoline
Fuel Capacity 19 gallons
City Mileage 16 miles/gallon
Highway Mileage 22 miles/gallon

2004 Volvo XC90 Safety Rating

NHTSA
Side Driver Rating
Frontal Passenger Rating
Rollover Rating
Side Rear Passenger Rating
Frontal Driver Rating
IIHS
Roof Strength Test Results Not Tested
Rear Crash Protection/Head Restraint Ratings Not Tested
Moderate Overlap Front Test Results Good
Side Impact Test Results Not Tested

2004 Volvo XC90 Recalls & Defects

Steering:linkages:tie ROD Assembly
Recall date 2006-05-05
Recall no. 06v155000
Source NHTSA
Summary ON Certain Passenger Vehicles,the Outer TIE ROD Ball Joint CAN Deform AT High Loads Causing A Loss OF THE Clamping Force and THE NUT MAY Loosen, Which MAY Eventually Lead TO A Fatigue Fracture OF THE Outer TIE ROD Ball Joint.
Consequence THE Driver MAY Notice That THE Vehicle IS Difficult TO Maneuver Increasing THE Risk OF A Crash.
Remedy Dealers Will Replace THE Outer Ball Joint TIE Rods With Improved Outer Ball Joint TIE Rods Free OF Charge. THE Recall Began ON June 23, 2006. Owners MAY Contact Volvo AT 1-800-458-1552.
Notes Volvo Recall NO. R157.customers MAY Also Contact THE National Highway Traffic Safety Administration's Vehicle Safety Hotline AT 1-888-327-4236 (Tty 1-800-424-9153), or GO TO Http://Www.safercar.gov.
Visibility:windshield Wiper/Washer
Recall date 2006-04-28
Recall no. 06v144000
Source NHTSA
Summary ON Certain Vehicles, IF THE Wiper ARM IS Activated IN Extreme Winter Weather Conditions and Without Lifting THE Wiper Arms and Cleaning THE Windshield Prior TO Moving, THE Wiper ARM Might Slip ON ITS Driveshaft, Resulting IN AN Inability TO Move THE Wipers From THE Park Position.
Consequence Inoperative Wipers Under Inclement Weather Conditions Could Cause A Crash DUE TO Impaired Visibility.
Remedy Dealers Will Replace THE Wiper Arms and Retaining Nuts. THE Recall Began ON September 5, 2006. Owners MAY Contact Volvo Cars AT 1-800-458-1552.
Notes Volvo Recall NO. R156.customers MAY Also Contact THE National Highway Traffic Safety Administrationvolvo Recall NO. R156.customers MAY Also Contact THE National Highway Traffic Safety Administration's Vehicle Safety Hotline AT 1-888-327-4236 (Tty 1-800-424-9153), or GO TO Http://Www.safercar.gov.
Seat Belts:rear/Other
Recall date 2003-10-10
Recall no. 03v391000
Source NHTSA
Summary ON Certain Sport Utility Vehicles, THE Seat Belt Attachment(S) FOR THE Second and Third ROW Seat(S) MAY NOT Have Been Fitted Properly.
Consequence IN THE Event OF A Crash, THE Seat Occupant MAY NOT BE Properly Restrained, Increasing THE Risk OF Injury.
Remedy Dealers Will Inspect and Repair THE Second And/Or Third ROW Seat Belt Attachments. Owner Notification Began ON December 8, 2003. Owners Should Contact Volvo AT 1-800-458-1552.
Notes Volvo Recall NO. 127.customers CAN Also Contact THE National Highway Traffic Safety Administration's Auto Safety Hotline AT 1-888-Dash-2-dot (1-888-327-4236).
Wheels
Recall date 2003-11-04
Recall no. 03v434000
Source NHTSA
Summary ON Certain Sport Utility Vehicles, THE Front Wheel Speed Sensors MAY BE Defective, Causing AN Erroneous Wheel Speed Signal.
Consequence This CAN Adversely Affect A Number OF Vehicle Functions, Including Brake, Engine, Transmission, and Torque Distribution Control Which Rely ON This Signal FOR Proper Operation.
Remedy Dealers Will Replace THE Front Wheel Sensors. Owner Notification Began ON December 8, 2003. Owners Should Contact Volvo Cars AT 1-800-458-1552.
Notes Volvo Recall NO. 127a.customers CAN Also Contact THE National Highway Traffic Safety Administration's Auto Safety Hotline AT 1-888-Dash-2-dot (1-888-327-4236).
Equipment:electrical:navigational System(Global Positioning System)
Recall date 2010-11-08
Recall no. 10v566000
Source NHTSA
Summary Volvo IS Recalling Certain Vehicles Equipped With Garmin 760 Portable Global Positioning System (Gps) Units Because THE Batteries ON Those Units MAY Overheat.
Consequence AN Overheated Battery Could Lead TO A Fire.
Remedy Volvo Advises Owners TO Please Stop Using THE Garmin Portable GPS Device Immediately, and Visit THE Garmin Website TO Determine IF Their Unit IS Affected. THE Unit's Battery Will BE Replaced With A NEW Battery and A Spacer Will BE Inserted ON Top OF THE Battery Next TO THE Pcb. This Service Will BE Performed Free OF Charge. THE Safety Recall Began ON November 18, 2010. Owners MAY Contact Garmin AT 866-957-1981 or Visit Garmin's Website AT Www.garmin.com/Nuvibatterypcbrecall.
Notes Volvo Safety Recall NO. R231.owners MAY Also Contact THE National Highway Traffic Safety Administration's Vehicle Safety Hotline AT 1-888-327-4236 (Tty 1-800-424-9153), or GO TO <A Href=http://Www.safercar.gov>http://www.safercar.gov</a> .
Fuel System, Gasoline:delivery:fuel Pump
Recall date 2009-12-18
Recall no. 09v483000
Source NHTSA
Summary Volvo IS Recalling Certain Model Year 2001-2005 S80, Model Year 2001-2004 V70, S60, Xc70 and Model Year 2003-2005 Xc90 Vehicles Sold IN or Registered IN THE States OF Alabama, Arizona, Arkansas, California, Florida, Georgia, Hawaii, Kentucky, Louisiana, Mississippi, Nevada, NEW Mexico, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Utah, Virginia and THE U.s. Territories. When Exposed TO Certain Environmental Conditions (Hot Climate and Temperature Cycling) Over Time and IN Combination With Varying Fuel Quality, THE Fuel Pump CAN Develop Cracks IN THE Fuel Pump Flange.
Consequence IF THE Condition Occurs Vehicle Owners MAY Notice Fuel Smell And/Or Fuel Leak Which, IN THE Presence OF AN Ignition Source, Could Result IN A Fire.
Remedy Dealers Will Inspect THE Fuel Pump Installed IN THE Vehicle, and IF Necessary Replace THE Fuel Pump With A Part OF A Modified Design. This Service Will BE Performed Free OF Charge. THE Safety Recall Began ON January 15, 2010. Owners MAY Contact Volvo AT 1-800-458-1552.
Notes Volvo Safety Recall NO. R220.owners MAY Also Contact THE National Highway Traffic Safety Administration's Vehicle Safety Hotline AT 1-888-327-4236 (Tty 1-800-424-9153), or GO TO <A Href=http://Www.safercar.gov>http://www.safercar.gov</a> .

2004 Volvo XC90 Insurance

Insurance for a 2004 Volvo XC90 is moderately priced, reflecting its status as a Sport Utility Vehicle with strong safety ratings and
reasonable repair costs.

How Does the 2004 Volvo XC90 Compare to Other Sport Utility Vehicle?

The 2004 Volvo XC90 competed against SUVs like the Acura MDX, BMW X5, and Lexus RX330. In terms of performance, the XC90's T6 engine was competitive, but the 2.5T was less powerful than rivals' offerings. The Acura MDX generally offered better reliability, while the BMW X5 provided a sportier driving experience. The Lexus RX330 was known for its smooth ride and luxurious interior.
In terms of features, the XC90 matched its rivals, offering leather, premium sound, and available navigation. However, its safety features were a standout. Price-wise, the XC90 was often slightly more affordable than the German competitors when new, and is significantly more affordable now on the used market.
Alternatives to the 2004 Volvo XC90 include the Acura MDX for better reliability, the Lexus RX330 for a more luxurious and reliable experience, or a newer, more fuel-efficient SUV if budget allows. The Toyota Highlander of similar years offers a good blend of reliability and practicality. Consider these alternatives if reliability and lower running costs are primary concerns.

Ranks #1772 SUV

1 2023 Toyota 4Runner (5.0★)
2 2023 Honda CR-V Hybrid (5.0★)
3 2023 Lexus GX (0.0★)
4 2024 Mazda CX-90 PHEV (0.0★)
5 2024 Subaru Crosstrek (5.0★)
6 2024 BMW iX (0.0★)
7 2023 Ford Bronco Sport (5.0★)
8 2023 Mercedes-Benz EQB (0.0★)
9 2024 Chevrolet Trax (5.0★)
10 2023 Audi A4 allroad (0.0★)
11 2023 Hyundai Kona N (0.0★)
12 2023 Nissan ARIYA (5.0★)
1772 2004 Volvo XC90 (5.0★)

Final Verdict: Is the 2004 Volvo XC90 a Good Sport Utility Vehicle?

The 2004 Volvo XC90 is ideal for budget-conscious buyers seeking a safe and practical family SUV with a touch of Scandinavian style. It's worth buying *if* purchased with careful consideration. Avoid the T6 model unless the transmission has been recently replaced or rebuilt. A pre-purchase inspection is crucial to assess its condition and potential repair needs. Due to its age, it's only worth buying as a used vehicle. The 2.5T model is generally more reliable than the T6, but still requires thorough inspection. Be prepared for potential maintenance costs and prioritize a well-maintained example with detailed service records.

2004 Volvo XC90 Owner Reviews

4.25
Consumer Rating, Based on 51 Consumer Reviews
Overall rating
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The dude on January 26, 2020

The most comfortable vehicle I have owned

This car has been awesome. I’ve always felt safe with my family in it. I’ve surfed through 2 feet of snow in it. I would recommend this vehicle to any of my family members.

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Notafanofvolvo on November 10, 2019

Biggest piece of junk I ever owned do not buy it

Unreliable, costly repairs, rarely gets over 100000 miles. Purchased a 2004 with 95000 miles on it, paid in cash. 1 day later check engine light went on, 500 dollars for tune up, spark plugs and oil change, 1 week later needed to go back for check engine light and the shop could not determine what was wrong. 1 month later the first gear of transmission stopped working, still at under 100,000 miles, was quoted 5,000 to fix transmission. 1 week later the electrical system failed So we junked it taking a 3000 dollar lose. Do your research, this model has transmission issues and Volvo was sued about it and they still don’t recall this model. Don’t be deceived by how nice the interior and exterior of this model is.

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Orangecrushz28 on July 27, 2019

Dim unit aka cluster

This should be a recall so many people with these volvos complaining about the dim clusters messing up srs airbag urgent light on cluster shuts off car goes into limp mode no shifting no lights on gauges everything fails paid 3500 for my 04 xc90 now its a nice driveway ornament because of this issue had a equinox regret selling n buying volvo junk ....volvo shame on you for this it should be recalled with all these customers with same issue

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LorA on January 8, 2019

Water leakage

This is a great looking car with an extremely comfortable ride but I’ve had continuous issues with leaks which came from the poor design. Water drains from the sunroof through tubes that actually go into the car causing water issues when clogged. This ruined carpet, headliner, and the floorboard. There was so much water coming through when it rained that you could hear it sloshing while driving. The water damage also caused damage to the electrical wiring in the driver’s door causing the window and locks not to function. Today was the last straw when the transmission completely failed while driving it to work on the expressway. What a shame for a comfortable ride to have such poor design ruining the entire car.

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Jjs337 on June 3, 2018

Safe as a bank vault

Inline 6 is virtually indestructible. Twin turbo adds power. All around quality. Ice cold AC. All wheel drive comes in handy. I wouldn't hesitate to buy an XC90 again.

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YOUKNOWWHO on May 9, 2018

ITS A LEMON AND DUDE ROBBED ME OF $900.00

IT'S A WHOLE LEMONADE STAND THIS ? GUY ROBBED ME OF 900.00 IN LESS THAN 24 HOURS NBS AFTER SELLING A LEMON WITH PROMISES THE xxxx NOT SOUR

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mb on February 16, 2018

Best $600 car ever.

Bought a 2004 XC90 with 263,000 miles for $600 at auction. Was highly reliable and I was able to resell it a few months later for a massive profit.

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FirstTimeVolvoOwner on January 22, 2018

Look more expensive than it is

We liked this car over all, very comfy, 7 seats, and pretty well equipped for the price. The gas mileage is pretty bad though, on a good day we would get 15.5 MPG combined, and at most it would be 21 MPG on the highway. Very cheap way to get a nice status symbol.

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Scott on November 9, 2017

Safest and most reliable car I've ever owned

Great family car. Volvo engineering and steel construction make it really safe. Very comfortable and roomy. The only reason I'm selling is to buy the new hybrid XC90 for better mileage.

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Flyboi on October 20, 2017

Great vehicle

Super comfortable and easy to drive .. everything is in the right place .. all Modles should come with premium radios

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Simon A

Simon is a contributor to VinCheck, where he provides articles and reviews on various automotive topics. His work focuses on delivering accurate and up-to-date information about used cars, helping readers make informed decisions.