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The Terrain offers all-wheel drive to maximize traction under poor conditions, especially in ice and snow. The Niro doesn’t offer all-wheel drive.
The Terrain SLT/AT4/Denali offers an optional Surround Vision to allow the driver to see objects all around the vehicle on a screen. The Niro only offers a rear monitor and front and rear parking sensors that beep or flash a light. That doesn’t help with obstacles to the sides.
Both the Terrain and the Niro have standard driver and passenger frontal airbags, front side-impact airbags, side-impact head airbags, front seatbelt pretensioners, front wheel drive, four-wheel antilock brakes, traction control, electronic stability systems to prevent skidding, crash mitigating brakes, daytime running lights, lane departure warning systems, rearview cameras, available blind spot warning systems and rear cross-path warning.
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 Terrain the rating of “Top Safety Pick” for 2017, a rating granted to only 231 vehicles tested by the IIHS. The Niro has not been tested, yet.