Things to consider when insuring one
5-star overall crash rating
NHTSA’s top crash rating. Crash protection affects injury claims, which make up a large share of what auto insurance pays out.
Driver-assist sensors come standard
They can help avoid crashes, but a windshield or bumper repair often needs the cameras and radar recalibrated, which costs more. Check what your comprehensive and collision deductibles would mean for a glass claim.
Most owner complaints are about the unknown or other
15 of 44 complaints to NHTSA mention it. Worth a look in a pre-purchase inspection.
2 recalls
- NHTSA 25V024000 · Jan 17, 2025
seats
Kia America, Inc. (Kia) is recalling certain 2023-2025 Niro EV, Plug-in Hybrid (PHEV), and Hybrid vehicles. The floor wiring assembly beneath the front passenger seat may become damaged, which can prevent the front air bags and seat belts from deploying properly or cause an unintended side curtain air bag deployment.
- The risk
- Air bags and seat belts that deploy improperly or an air bag deploying unintentionally can increase the risk of injury in a crash.
- The fix
- Dealers will inspect, replace and reroute the floor wiring assembly, as necessary, free of charge. In addition, dealers will install wiring covers. Owner notification letters were mailed February 27, 2025. Owners may contact Kia customer service at 1-800-333-4542. Kia's number for this recall is SC332.
- NHTSA 23V298000 · Apr 26, 2023
electrical system: instrument cluster/panel
Kia America, Inc. (Kia) is recalling certain 2023 Sportage, Sportage Hybrid, Sportage Plug-in Hybrid, Niro Hybrid, Niro Plug-in Hybrid, Soul, and Telluride vehicles equipped with a digital instrument cluster containing a 4.2" LCD screen. The instrument cluster may fail to display any information when the vehicle is started. As such, these vehicles fail to comply with the requirements of Federal Motor Vehicle Safety Standard numbers 101, "Control and Displays," and 138, "Tire Pressure Monitoring Systems."
- The risk
- A blank instrument cluster display will not show critical information, such as tire pressure, warning messages, and warning lights, increasing the risk of a crash.
- The fix
- Dealers will update the instrument cluster software, free of charge. Owner notification letters were mailed May 26, 2023. Owners may contact Kia customer service at 1-800-333-4542. Kia's number for this recall is SC270.
Crash test ratings
2023 Kia Niro SUV FWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 12%
2023 Kia Niro EV SUV FWD
- Overall
- Not rated
- Frontal
- Not rated
- Side
- Not rated
- Rollover
- Not rated
2023 Kia Niro Plug-in Hybrid SUV FWD
- Overall
- Not rated
- Frontal
- Not rated
- Side
- Not rated
- Rollover
- Not rated
What owners report
44 complaints to NHTSA, 8 involving a crash, 6 injuries.
- Unknown or other15
- Electrical system14
- Forward collision avoidance7
- Air bags6
- Power train6
- Fuel/propulsion system5
- Engine4
- Service brakes4
Insuring a 2023 Kia Niro?
An independent broker compares several insurers for you and can explain what matters for this car. Find one who writes auto where you live.
Other 2023 Kia models
Recalls, crash ratings and owner complaints are from the National Highway Traffic Safety Administration (NHTSA), last checked Oct 30, 2026. Complaints are owners’ reports and aren’t verified by NHTSA. This page is general information, not advice about a specific vehicle or policy.