Car theft numbers have dropped sharply in the US. Vehicle thefts fell 23% in 2025, landing at 659,880 stolen cars nationwide, the lowest total in decades. Still, that’s roughly one vehicle stolen every 48 seconds.
Insurers don’t ignore this data. They track theft claims by make and model very closely. When a car shows up often in stolen-vehicle reports, its comprehensive coverage premium climbs.
Hyundai and Kia models dominate this list. A wave of viral social media videos in 2022 exposed a flaw in older models without immobilizers. Thieves could start these cars with nothing more than a USB cable.
Full-size pickups and popular mid-size sedans round out the rest. Their sheer sales volume makes them common targets, since there are simply more of them on the road. Below are the ten vehicles insurers currently charge the most to protect against theft, based on the latest NICB and insurance industry data.
1. Hyundai Elantra
The Hyundai Elantra tops the most-stolen list yet again. Thieves took 21,732 Elantras in 2025 alone. This is a direct legacy of the “Kia Boys” trend. Older Elantras without engine immobilizers were extremely easy to hotwire.
Hyundai issued free software updates to close the gap. Even so, thefts remain stubbornly high compared to most competitors. Because of this, insuring an Elantra now costs about 23% more than the national average. That’s one of the steepest theft-related surcharges of any car on sale today.
Full-coverage buyers feel this most in comprehensive premiums. That’s the part of the policy that actually pays out for theft. Owners without push-button start should get the anti-theft patch. It’s free through Hyundai dealers and can help ease future rate hikes.
Location matters too. An Elantra parked in a high-theft metro area will cost even more to insure than one in a quiet suburb. The good news is that the trend is improving.
Elantra thefts are projected to fall by nearly 30% year over year. Still, insurers price based on historical claims data. It takes several years of clean numbers before premiums fully catch up to the improved reality.
2. Honda Accord
The Honda Accord ranks second on the theft list. It saw 17,797 reported thefts in 2025. Volume is the simple explanation here. The Accord is one of the best-selling cars in American history.
Nearly 13 million units have been sold over four decades. That means millions of older Accords are still driving around unprotected. Many of those older models lack modern immobilizers. Thieves also target them heavily for parts, not just for full theft.
Airbags are a particularly common target. A stolen airbag can be resold for hundreds of dollars on the black market. This parts-theft angle pushes up comprehensive claims even when the whole car isn’t taken. Insurers’ price for both outcomes.
Newer Accords come with far better security tech. But the used-car market keeps older, vulnerable models on the road for years. Because of this steady theft rate, Accord owners typically pay a noticeable premium bump for comprehensive coverage.
It’s not the highest surcharge on this list, but it’s consistent year after year. Anti-theft devices can help offset some of this cost. Steering wheel locks and GPS trackers often qualify for insurer discounts.
3. Hyundai Sonata
The Hyundai Sonata sits third with 17,687 thefts in 2025. It shares the same vulnerability as its Elantra sibling. Sonatas built without push-button ignition were part of the original USB-cord theft trend. That flaw made national headlines back in 2022.
Insurance rates reflect this history clearly. Sonata coverage currently runs about 21% above the national average. That surcharge places it among the three priciest models on this entire list for theft-related premiums. Only the Elantra and Camry rank higher in percentage terms.
Hyundai has rolled out anti-theft software patches for affected years. These updates immobilize the ignition system against the old hotwiring method.
Owners who haven’t installed the patch remain at higher risk. Insurers often ask directly whether the update has been applied. Like the Elantra, Sonata thefts are trending downward. But rate adjustments lag behind real-world improvements by design.
Insurers rely on multi-year claims history to set pricing. A single good year doesn’t erase several years of rising theft data. Sonata owners in theft hotspots like Southern California or Washington, D.C. should expect the steepest premiums. Location and model risk compound each other in these cases.
4. Chevrolet Silverado 1500
The Chevrolet Silverado 1500 is the most stolen pickup truck in America. It recorded 16,764 thefts in 2025. This title actually shifted from the Ford F-150 in recent years. Silverado’s keyless entry system became the newer target.
A lawsuit alleges GM’s fob systems are vulnerable to signal cloning. Thieves can mimic a key fob’s signal remotely to unlock and start the truck. Average full-coverage insurance on a Silverado runs around $2,241 annually. That’s roughly 2% above the national baseline.
The surcharge looks modest next to sedans like the Elantra. But trucks carry high replacement values, so even a small percentage bump adds real dollars.
Pickups are also popular for stripping down. Tailgates, wheels, and catalytic converters are frequently stolen separately from the whole vehicle. This adds another layer of comprehensive claims beyond full theft. Insurers factor parts theft into pricing models too.
Rural and suburban Silverado owners often see lower theft-related premiums. Urban truck owners, especially near major freight corridors, tend to pay more. Newer security technology hasn’t fully rolled out across the Silverado lineup. Until it does, this truck will likely stay near the top of theft rankings.
Also Read: 10 Car Brands With The Most Safety Innovation
5. Honda Civic
The Honda Civic ranks fifth with 12,725 thefts logged in 2025. It’s another case where age and popularity collide. Civics built before 2001 lacked immobilizers entirely. Those older models remain prime targets for simple hotwiring.
Full-coverage insurance on a Civic averages about $2,520 per year. That’s roughly 14% above the national average premium. Parts theft plays a major role here as well. Airbags, similar to those on the Accord, are a frequent target for Civic thieves.
Civic owners in theft-heavy states pay noticeably more. California and Texas both report high raw theft totals for this model. Newer Civic trims include factory security systems. These can qualify owners for anti-theft discounts of 5% to 25%, depending on the insurer.
Steering wheel locks and kill switches offer additional savings. Many insurers reward proof of installation with a direct premium reduction. Despite these options, the Civic’s sheer number on American roads keeps its theft totals high.
It remains one of the most stolen cars nationwide, year after year. Comprehensive coverage stays relatively affordable compared to collision coverage. But for Civic owners, it still carries a real theft premium built in.
6. Kia Optima
The Kia Optima recorded 11,521 thefts in 2025, despite officially ending production years ago. Enough Optima-badged cars remain on American roads to keep it firmly in the top ten.
Like its Hyundai cousins, the Optima was swept up in the 2022 theft wave. Base-trim models without push-button start were especially vulnerable.
Kia’s software updates have made a real dent in this problem. Optima thefts dropped roughly 35% year over year in recent reporting. That progress hasn’t fully caught up in insurance pricing yet, though. Comprehensive premiums remain higher compared to similarly sized sedans from other brands.
Older Optima owners should confirm their anti-theft update has been installed. It’s a free fix that directly reduces theft risk. Insurers often ask about this specific patch during underwriting. Confirming it can sometimes lower a quoted premium.
The Optima’s discontinued status adds a wrinkle, too. Replacement parts can be harder to source, which sometimes raises claim payout costs. That factor can influence comprehensive pricing beyond simple theft frequency.
Insurers weigh total claim cost, not just how often a model gets stolen. Owners parking in dense urban areas see the highest rates. Rural Optima owners tend to pay closer to standard sedan pricing.
7. Ford F-150
The Ford F-150 held the title of most-stolen pickup for years. It still ranks seventh, with 10,102 thefts in 2025. Keyless entry systems are again the culprit. Security experts have demonstrated how thieves clone F-150 fob signals in seconds.
Ford has responded with new anti-theft features. A truck “kill switch” app feature now lets owners remotely disable the ignition if the vehicle goes missing.
Some insurers offer deductible discounts for trucks equipped with this system. It’s worth asking about directly when shopping for coverage. F-150 insurance costs reflect both theft risk and high replacement value. As America’s best-selling vehicle for decades, it’s an easy and lucrative target.
Rural states with heavy truck ownership see this model stolen most often. In these areas, the F-150 frequently tops local theft charts. Parts theft is common here, too. Wheels, tailgates, and catalytic converters are popular targets even when the whole truck isn’t taken.
This drives up smaller comprehensive claims significantly. Insurers factor these frequent, lower-cost claims into pricing. Despite security improvements, the F-150’s massive population on American roads keeps its theft numbers high. Expect this truck to remain on most-stolen lists for years to come.
8. Toyota Camry
The Toyota Camry might surprise some readers. It recorded 9,833 thefts in 2025, landing eighth on the list. Toyota has a strong reliability reputation. That reputation, ironically, is part of why thieves target it so consistently.
Camry insurance rates run about 24% above the national average. That’s the single highest percentage surcharge among all ten vehicles on this list.
Its high resale value and steady parts demand make it attractive to organized theft rings. Stolen Camrys are relatively easy to resell or strip for parts.
The model’s massive popularity compounds this effect. More Camrys on the road simply mean more opportunities for theft. Older Camry models lack some modern anti-theft technology. Newer trims include better immobilizer systems, which somewhat reduce theft risk.
Insurers still price based on the full model history, though. A strong recent security record hasn’t fully offset years of raised claims data. Comprehensive coverage costs reflect this most directly.
It’s the piece of a policy that specifically pays out when a Camry disappears from a driveway. Camry owners can offset some of this cost with anti-theft devices. GPS trackers and steering wheel locks both typically qualify for insurer discounts.
9. Honda CR-V
The Honda CR-V is the newest addition to the most-stolen list. It logged 9,809 thefts in 2025, edging out the Dodge Charger, which fell off entirely.
Its rise reflects a broader trend toward SUV theft. As CR-V sales have grown, so has thieves’ interest in the model. Reports out of New York highlight a specific new theft method targeting this SUV. Thieves have found ways to bypass the keyless entry system directly.
Insurance premiums have started climbing in response. Comprehensive coverage costs for the CR-V now sit above where they stood just a year or two ago.
Parts theft is also a growing concern. Catalytic converters on SUVs like the CR-V remain a popular target due to valuable metal content. Honda has strong safety ratings across its lineup. That typically helps lower collision and liability premiums.
Theft risk works differently, though. It depends far more on how easy a car is to unlock or strip, not how safe it is in a crash. CR-V owners in dense urban centers see the sharpest premium increases.
Suburban and rural owners generally pay closer to average rates. Expect this model’s ranking to be watched closely going forward. If thefts keep climbing, insurance surcharges will likely follow.
10. Nissan Altima
Rounding out the list is the Nissan Altima, with 8,445 thefts recorded in 2025. It’s a familiar name on most stolen rankings for over a decade. The Altima’s appeal to thieves mirrors that of the Camry and Accord. High sales volume means a large pool of vulnerable older models remains on the road.
Many pre-2020 Altimas lack the advanced immobilizer technology found in newer trims. That gap keeps making them accessible targets for opportunistic theft.
Comprehensive insurance costs for the Altima run moderately above the national average. It’s a smaller surcharge than top-ranked models like the Elantra or Camry, but still noticeable.
Nissan has improved security across newer generations. Push-button start and factory alarm systems now come standard on most current trims. These upgrades should gradually reduce theft claims over time. Insurance pricing typically follows a few years behind real-world trends, though.
Altima owners can still take action now. Installing an aftermarket alarm or steering wheel lock often earns a direct premium discount. VIN etching is another low-cost option that some insurers reward. It displays the vehicle identification number in extra spots to deter resale.
As with every car on this list, location plays a major role. An Altima parked in a high-theft ZIP code will always cost more to insure than the same car parked somewhere quieter.
Also Read: 10 Cars With the Lowest Theft Rates in the Country
