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 electrical system
3 of 10 complaints to NHTSA mention it. Worth a look in a pre-purchase inspection.
1 recall
- 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.
Crash test ratings
2024 Kia Niro SUV FWD
- Overall
- Frontal
- Side
- Rollover
Rollover risk in a single-vehicle crash: 12%
2024 Kia Niro EV SUV FWD
- Overall
- Not rated
- Frontal
- Not rated
- Side
- Not rated
- Rollover
- Not rated
2024 Kia Niro Plug-in Hybrid SUV FWD
- Overall
- Not rated
- Frontal
- Not rated
- Side
- Not rated
- Rollover
- Not rated
What owners report
10 complaints to NHTSA, 3 involving a crash, 5 injuries.
- Electrical system3
- Forward collision avoidance3
- Engine2
- Power train2
- Unknown or other2
- Air bags1
- Base1
- Carry handle1
Insuring a 2024 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 2024 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.