For enhanced safety, the front and rear seat shoulder belts of the Volvo XC40 have pretensioners to tighten the seatbelts and eliminate dangerous slack in the event of a collision and force limiters to limit the pressure the belts will exert on the passengers. The BMW X4 doesn’t offer pretensioners for its rear seat belts.
For enhanced safety, the front seat shoulder belts of the Volvo XC40 are height-adjustable to accommodate a wide variety of driver and passenger heights. A better fit can prevent injuries and the increased comfort also encourages passengers to buckle up. The BMW X4 doesn’t offer height-adjustable seat belts.
Both the XC40 and X4 have child safety locks to prevent children from opening the rear doors. The XC40 has power child safety locks, allowing the driver to activate and deactivate them from the driver's seat and to know when they're engaged. The X4’s child locks have to be individually engaged at each rear door with a manual switch. The driver can’t know the status of the locks without opening the doors and checking them.
Both the XC40 and the X4 have standard driver and passenger frontal airbags, front side-impact airbags, driver knee airbags, side-impact head airbags, plastic fuel tanks, four-wheel antilock brakes, traction control, electronic stability systems to prevent skidding, crash mitigating brakes, post-collision automatic braking systems, daytime running lights, lane departure warning systems, blind spot warning systems, rearview cameras, rear cross-path warning, driver alert monitors and available around view monitors.
For its top level performance in IIHS driver and passenger-side small overlap frontal, moderate overlap frontal, side impact, roof strength and head restraint tests, its standard vehicle-to-vehicle front crash prevention system, its standard vehicle-to-pedestrian front crash prevention system, and its standard headlight’s “Good” rating, the Insurance Institute for Highway Safety grants the XC40 its highest rating: “Top Safety Pick Plus” for 2022, a rating granted to only 101 vehicles tested by the IIHS. The X4 has not been tested, yet.