For enhanced safety, the front and middle seat shoulder belts of the Volvo XC90 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 XM doesn’t offer height-adjustable seat belts.
Both the XC90 and XM have child safety locks to prevent children from opening the rear doors. The XC90 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 XM’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 Volvo XC90 offers an optional built in child booster seat. It’s more crash worthy than an added child seat because of its direct attachment to the seat. BMW doesn’t offer the convenience and security of a built-in child booster seat in the XM. Their owners must carry a heavy booster seat in and out of the vehicle; XC90 owners can just fold their built-in child seat up or down.
Using vehicle speed sensors and seat sensors, smart airbags in the XC90 deploy with different levels of force or don’t deploy at all to help better protect passengers of all sizes in different collisions. The XC90’s side airbags will shut off if a child is leaning against the door. The XM’s side airbags don’t have smart features and will always deploy full force.
Both the XC90 and the XM have standard driver and passenger frontal airbags, front side-impact airbags, driver knee airbags, side-impact head airbags, front seatbelt pretensioners, four-wheel antilock brakes, all wheel drive, 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.
The Volvo XC90 achieved a “Top Safety Pick” rating from the Insurance Institute for Highway Safety (IIHS) for the 2024 model year. This recognition was based on its impressive performance in the small overlap frontal crash test, updated side impact crash test, headlight evaluations, and pedestrian crash prevention testing. The XM has not yet been evaluated by the IIHS for 2024.