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 Subaru Crosstrek doesn’t offer pretensioners for its rear seat belts.
The XC40’s pre-crash front seatbelts will tighten automatically in the event the vehicle detects an impending crash, improving protection against injury significantly. The Crosstrek doesn’t offer pre-crash pretensioners.
Both the XC40 and Crosstrek 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 Crosstrek’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.
The XC40 has standard Post-impact braking, which automatically apply the brakes in the event of a crash to help prevent secondary collisions and prevent further injuries. The Crosstrek doesn’t offer a post collision braking system: in the event of a collision that triggers the airbags, more collisions are possible without the protection of airbags that may have already deployed.
The XC40 offers an optional 360-Degree Surround View Camera to allow the driver to see objects all around the vehicle on a screen. The Crosstrek only offers a rear monitor.
The XC40 has a standard blind spot warning system that uses sensors to alert the driver to objects in the vehicle’s blind spots where the side view mirrors don’t reveal them. A system to reveal vehicles in the Crosstrek’s blind spot costs extra.
To help make backing out of a parking space safer, the XC40 has standard Cross Traffic Alert and Braking Intervention automatically engages the brakes to help avoid a collision. Subaru charges extra for Rear Cross Traffic Alert on the Crosstrek and its not available on the Base and the Crosstrek’s Rear Cross Traffic Alert does not include automatic braking.
Compared to metal, the XC40’s plastic fuel tank can withstand harder, more intrusive impacts without leaking; this decreases the possibility of fire. The Subaru Crosstrek has a metal gas tank.
Both the XC40 and the Crosstrek have standard driver and passenger frontal airbags, front side-impact airbags, driver knee airbags, side-impact head airbags, height adjustable front shoulder belts, four-wheel antilock brakes, all wheel drive, traction control, electronic stability systems to prevent skidding, crash mitigating brakes, daytime running lights, lane departure warning systems, rearview cameras and driver alert monitors.
The Volvo XC40 weighs 512 to 690 pounds more than the Subaru Crosstrek. The NHTSA advises that heavier vehicles are much safer in collisions than their significantly lighter counterparts.
For its top level performance in all IIHS frontal, side, rear impact and roof-crush tests, and its standard front crash prevention system, the Insurance Institute for Highway Safety grants the XC40 the rating of “Top Safety Pick” for 2017, a rating granted to only 231 vehicles tested by the IIHS. The Crosstrek has not been tested, yet.