Insurance data can reveal patterns that are difficult to see from theft totals alone. HLDI’s WT-24 report examined whole-vehicle theft losses for 2022 through 2024 model-year vehicles and compared each vehicle’s theft claim frequency with the average for all passenger vehicles.
The benchmark is 100, representing 0.45 whole-vehicle theft claims per 1,000 insured vehicle years. Some vehicles recorded dramatically higher figures, with the Chevrolet Camaro ZL1 reaching 3,949.
The results do not mean every example will be stolen, but they show how frequently insurers received whole-vehicle theft claims relative to exposure. Here are 12 vehicles that stood out most strongly in the data.
1. Chevrolet Camaro ZL1
The Chevrolet Camaro ZL1 sits so far above the HLDI benchmark that it almost looks like a data error at first glance. It is not. For 2022 through 2024 model years, the Camaro ZL1 recorded a relative whole-vehicle theft claim frequency of 3,949, compared with 100 for the average passenger vehicle.
HLDI says the ZL1 was nearly 40 times as likely to generate a whole-vehicle theft claim as the average vehicle in its database.
The underlying exposure was 7,189 insured vehicle years, producing 127 whole-vehicle theft claims. That is important because HLDI does not simply count how many vehicles were stolen. Its method accounts for how many vehicles were insured and how long they were covered. The result therefore measures theft claim frequency rather than raw theft totals.
The ZL1’s high-performance character may help explain why it attracted so much attention. HLDI noted that many vehicles at the top of its 2022-24 theft list were expensive or high-horsepower models. The ZL1 combines both characteristics, using a supercharged 6.2-liter V8 that produces 650 horsepower and 650 lb-ft of torque.
Its relative claim severity was 146, meaning individual theft claims were also more expensive than the passenger-vehicle average. The resulting relative theft losses reached 5,763, more than 57 times the benchmark.
The figure should not be interpreted as a prediction that a particular Camaro ZL1 will be stolen. HLDI’s data describe insurance claim frequency across the 2022-24 model-year population. Still, a number approaching 4,000 on a scale where 100 is average makes the ZL1 one of the clearest theft outliers in the report.
2. Acura TLX
The Acura TLX occupies a very different part of the market from the Camaro ZL1, yet its theft claim frequency was also strikingly high.
The 2022-24 Acura TLX with all-wheel drive recorded a relative whole-vehicle theft claim frequency of 2,138, more than 21 times the HLDI average of 100. HLDI recorded 240 whole-vehicle theft claims across 25,100 insured vehicle years for this configuration.
That makes the TLX particularly interesting because it is a luxury sedan rather than a high-powered muscle car. The standard all-wheel-drive TLX is powered by a 2.0-liter turbocharged four-cylinder producing 272 horsepower and 280 lb-ft of torque.
The available Type S is substantially more powerful, but HLDI reports the regular TLX 4WD as its own vehicle series in the theft table.
The numbers also show why looking only at theft frequency does not tell the complete insurance story. The TLX 4WD had a relative claim severity of 92, slightly below the passenger-vehicle benchmark.
In other words, the frequency was extraordinarily high, while the typical financial severity of each claim was somewhat lower than average. Its relative theft losses still reached 1,973 because the claim frequency was so elevated.
HLDI’s methodology also standardizes the results for factors including model year, garaging state, vehicle density, deductible, driver characteristics, and other variables. That makes the comparison more meaningful than simply counting theft reports from different regions.
For owners, the 2,138 figure should therefore be viewed as a population-level insurance statistic, not an individual risk calculation. It does, however, place the 2022-24 TLX 4WD among the most unusual theft patterns recorded in the latest HLDI report.
3. Chevrolet Camaro
The standard Chevrolet Camaro also produced an unusually high theft frequency in HLDI’s WT-24 analysis.
For 2022 through 2024 models, the Camaro recorded a relative whole-vehicle theft claim frequency of 1,287, meaning claims occurred nearly 13 times as frequently as the passenger-vehicle benchmark of 100. HLDI recorded 331 whole-vehicle theft claims across 57,533 insured vehicle years.
That places the regular Camaro well behind the ZL1 in the same report, but it is still a substantial outlier. HLDI noted that the Camaro’s theft problem was particularly pronounced in states including California, Tennessee, Mississippi, Maryland, and Texas, with California recording the highest theft claim frequency for these vehicles in 2024.
The numbers also show that theft exposure was not limited to the most expensive Camaro. The standard model’s relative claim severity was 87, meaning the average claim was somewhat less costly than the passenger-vehicle benchmark. Even so, the unusually high frequency pushed its relative theft losses to 1,117.
There is an important development for owners. General Motors launched a service campaign in March 2025 aimed at reducing theft risk for 2020 through 2024 Camaro models. Owners could have a software update installed at participating dealerships at no charge. HLDI said it planned to study the effect of that update on future insurance claims.
The Camaro therefore illustrates why HLDI’s data can be more revealing than a simple list of reported stolen vehicles. The report accounts for the number of vehicles insured and the time they were exposed to theft risk, allowing the Camaro’s frequency to be compared fairly with vehicles that have very different sales volumes.
4. GMC Sierra 2500HD
The GMC Sierra 2500HD demonstrates that the vehicles attracting high theft claim frequencies are not limited to sports cars.
In HLDI’s 2022-24 data, the Sierra 2500 crew cab with four-wheel drive recorded a relative whole-vehicle theft claim frequency of 1,023, more than 10 times the passenger-vehicle average. HLDI recorded 768 claims across 167,970 insured vehicle years.
That figure is notable because the Sierra 2500HD is a heavy-duty pickup built primarily for work, towing, and hauling. Its presence near the top of the theft table shows that high theft frequency can affect practical vehicles just as dramatically as performance cars.
The financial side of the data is also revealing. HLDI assigned the Sierra 2500 crew cab 4WD a relative theft claim severity of 144. That means claims involving whole-vehicle theft were substantially more expensive than the passenger-vehicle average. Combining that severity with a relative frequency of 1,023 produced a relative theft-loss figure of 1,472.
The 2500HD is available with several powertrain configurations, including a 6.6-liter gasoline V8 and a 6.6-liter Duramax turbodiesel V8. The diesel produces 470 horsepower and 975 lb-ft of torque, giving the truck the kind of heavy-duty capability expected from the segment.
One reason theft statistics can be particularly important for pickup owners is the vehicle’s value. Heavy-duty trucks can command substantial transaction prices, and their specialized equipment can make individual losses expensive for insurers.
HLDI’s result does not establish why every Sierra 2500HD was stolen. The report measures insurance claim frequency rather than the motives behind individual thefts.
What it does establish is that this particular configuration generated whole-vehicle theft claims at more than ten times the rate of the average passenger vehicle in the 2022-24 model-year population.
5. Dodge Charger HEMI
The Dodge Charger HEMI was another major outlier in HLDI’s WT-24 whole-vehicle theft data. For 2022 through 2024 model years, the Charger HEMI recorded a relative theft claim frequency of 995, nearly ten times the passenger-vehicle benchmark of 100. HLDI recorded 1,299 whole-vehicle theft claims across 293,180 insured vehicle years.
The frequency is notable because the Charger was produced in large numbers, giving HLDI a substantial exposure base for its calculation. Its relative claim severity was 108, meaning the average whole-vehicle theft claim was slightly more expensive than the passenger-vehicle benchmark. That combination produced relative theft losses of 1,075.
HLDI’s data cover insurance claims rather than police theft reports, so the figure specifically represents the frequency of whole-vehicle theft claims among insured vehicles. It should not be interpreted as a probability that an individual Charger will be stolen.
The HEMI models also offered substantial performance. Depending on configuration, the 5.7-liter HEMI V8 produced 370 horsepower, while the available 6.4-liter V8 produced 485 horsepower. Those engines helped make the Charger distinctive in the American sedan market.
The HLDI result provides a useful reminder that theft exposure can vary significantly between vehicle types and powertrains. The Charger HEMI’s figure of 995 was almost ten times the report’s benchmark, putting it among the vehicles with the highest recorded whole-vehicle theft claim frequencies in the study.
6. Dodge Charger
The regular Dodge Charger also appeared high on HLDI’s theft list, although its frequency was lower than the HEMI-equipped version. For 2022 through 2024 models, HLDI recorded a relative whole-vehicle theft claim frequency of 784.
There were 882 whole-vehicle theft claims across 214,577 insured vehicle years, placing the Charger at nearly eight times the passenger-vehicle benchmark.
The claim-severity figure was 103, only slightly above the passenger-vehicle reference point of 100. Because the frequency was so much higher, however, the Charger still produced a relative theft-loss figure of 808.
The result is particularly useful because it separates the broader Charger nameplate from the higher-performance HEMI configurations. Both appeared in the report, suggesting that the elevated theft frequency was not limited exclusively to the most powerful versions.
The final Charger models also offered a range of engines and configurations before the nameplate transitioned to its new generation. Depending on model year and trim, buyers could find V6 and V8 powertrains, with rear-wheel drive and all-wheel drive available in parts of the lineup.
As with every HLDI figure, the 784 score is a comparative insurance statistic rather than an individual prediction. HLDI adjusts its analysis for factors including model year, geographic location, vehicle density, and driver characteristics to make vehicle comparisons more meaningful.
For owners, the most useful takeaway is simply that the Charger appeared among the vehicles generating unusually frequent whole-vehicle theft claims in the 2022-24 dataset.
7. Dodge Challenger
The Dodge Challenger also appeared prominently in HLDI’s WT-24 whole-vehicle theft analysis, giving the muscle-car nameplate another spot among vehicles with unusually high theft claim frequencies.
For 2022 through 2024 model years, HLDI recorded a relative whole-vehicle theft claim frequency of 609, compared with 100 for the average passenger vehicle. The dataset contained 1,340 theft claims across 413,713 insured vehicle years.
That means the Challenger generated whole-vehicle theft claims at roughly six times the benchmark rate. Its relative claim severity was 92, slightly below the passenger-vehicle average, but the much higher frequency still resulted in a relative theft-loss figure of 562.
The result is particularly notable because the Challenger was available with several powerful engines. Depending on configuration, buyers could choose from V6 and V8 engines, including the 6.4-liter HEMI and supercharged 6.2-liter HEMI V8. The range extended from mainstream performance models to extremely powerful variants.
HLDI’s methodology is important here. The 609 figure is not a count of all Challengers stolen in America. It is a comparison of insurance claim frequency after accounting for the number of insured vehicles and exposure time. HLDI also adjusts for several factors that can affect theft patterns.
The Challenger’s high result therefore identifies a notable insurance-loss pattern rather than guaranteeing that any particular vehicle is vulnerable. Still, the figure places the model substantially above the report’s 100 benchmark.
8. Dodge Durango
The Dodge Durango provides an interesting contrast because it is a three-row SUV rather than a traditional muscle car. Despite its family-oriented shape, the Durango recorded a relative whole-vehicle theft claim frequency of 575 in HLDI’s 2022-24 analysis. HLDI recorded 1,003 whole-vehicle theft claims across 364,119 insured vehicle years.
A score of 575 means the Durango’s theft claim frequency was about 5.8 times the passenger-vehicle benchmark of 100. Its relative claim severity was 108, slightly above the average, producing relative theft losses of 620.
One factor that makes the Durango unusual is its broad performance range. The SUV can be equipped with a 3.6-liter Pentastar V6, a 5.7-liter HEMI V8 or, in higher-performance versions, a 6.4-liter HEMI V8. The most powerful versions made the Durango one of the quickest three-row SUVs available in the U.S. market.
The HLDI result should not be interpreted as evidence that every Durango carries the same theft exposure. The report combines vehicles within its defined series and model-year population, while individual risk can vary according to location, security equipment, parking conditions, and other factors.
Still, the 575 relative frequency is difficult to overlook. It puts the Durango well above the 100 benchmark and demonstrates that high theft claim frequency was not confined to compact cars or performance coupes.
For owners, the HLDI data provide a useful reason to pay attention to insurance costs and theft-prevention measures, particularly when purchasing a used example from the affected model years.
9. Infiniti Q50
The Infiniti Q50 is another sedan that appeared significantly above the HLDI theft benchmark. For 2022 through 2024 model years, the Q50 recorded a relative whole-vehicle theft claim frequency of 534, compared with the passenger-vehicle benchmark of 100. HLDI recorded 247 whole-vehicle theft claims across 175,887 insured vehicle years.
That translates to more than five times the benchmark frequency. The Q50’s relative claim severity was 88, meaning the average theft claim was somewhat less expensive than the passenger-vehicle average. Even with that lower severity, the elevated frequency produced a relative theft-loss figure of 470.
The Q50 was one of the few remaining rear-wheel-drive luxury sport sedans in its class, and its powertrain gave it a distinctly performance-oriented character. The 2024 model used a 3.0-liter twin-turbocharged V6, producing 300 horsepower in standard form and 400 horsepower in the Red Sport 400. All-wheel drive was available.
HLDI’s data do not establish why individual Q50s were stolen. The organization measures insurance claim frequency and adjusts its comparisons for factors such as vehicle exposure, location, and driver characteristics. A high score therefore identifies a statistical pattern rather than a guaranteed outcome for an individual owner.
The Q50’s 534 rating nevertheless places it among the more unusual results in WT-24. Its inclusion also shows that the theft issue was not restricted to domestic muscle cars or large pickups. A Japanese luxury sedan could produce an elevated theft claim frequency as well.
For buyers considering a used Q50, the HLDI result is a useful reason to obtain an insurance quote before purchase and consider the vehicle’s parking environment and security equipment.
10. Infiniti QX50
The Infiniti QX50 shows that the high-theft results in HLDI’s report were not limited to traditional sedans and muscle cars.
For 2022 through 2024 model years, the QX50 recorded a relative whole-vehicle theft claim frequency of 514, more than five times the passenger-vehicle benchmark of 100. HLDI recorded 271 whole-vehicle theft claims across 198,431 insured vehicle years.
Its relative claim severity was 96, close to the passenger-vehicle reference point. Because the theft frequency was substantially higher, however, the QX50 produced a relative theft-loss figure of 493.
The compact luxury SUV used Infiniti’s 2.0-liter variable-compression turbocharged four-cylinder engine. Depending on configuration, it produced 268 horsepower and 280 lb-ft of torque. The engine’s variable-compression technology was unusual in the segment and was designed to balance efficiency with performance.
The QX50’s inclusion should not be interpreted as meaning that every example has the same theft risk. HLDI’s numbers represent a vehicle series across a defined model-year period and insurance exposure. Individual circumstances can differ considerably based on location, parking conditions, security equipment, and other factors.
The 514 score is nevertheless significant because the report’s reference point is 100. That makes the QX50 one of the vehicles with a markedly elevated whole-vehicle theft claim frequency in the WT-24 dataset.
For owners and prospective buyers, the statistic is most useful when considered alongside actual insurance quotes and theft-prevention practices.
Insurance companies can price individual vehicles differently based on location, driver history, coverage, and other factors, so the HLDI number should be viewed as a broad industry measure rather than an individual premium estimate.
11. Chevrolet Silverado 2500HD
The Chevrolet Silverado 2500HD appears high on HLDI’s WT-24 list despite being a work-focused heavy-duty pickup rather than a performance car.
For the 2022 through 2024 model years, the Silverado 2500 crew cab 4WD recorded a relative whole-vehicle theft claim frequency of 402, compared with the all-passenger-vehicle benchmark of 100. HLDI recorded 413 whole-vehicle theft claims across 229,556 insured vehicle years.
That means whole-vehicle theft claims occurred at roughly four times the average frequency. The truck’s relative claim severity was 132, indicating that individual theft claims were also more expensive than the passenger-vehicle reference point. Together, these factors produced a relative theft-loss figure of 532.
The Silverado 2500HD’s substantial value and equipment may make a theft particularly costly when one occurs. It is also widely used for towing, hauling, and commercial-style work, making it a very different type of vehicle from the muscle cars that dominate much of the upper portion of the HLDI table.
The 2022-24 Silverado 2500HD offered a 6.6-liter gasoline V8 producing 401 horsepower and 464 lb-ft of torque, while the available Duramax diesel generated 445 horsepower and 910 lb-ft of torque. Its capability helps explain why these trucks command significant prices.
HLDI’s 402 figure is a comparative insurance statistic, not a prediction that a particular Silverado will be stolen. Still, it places this heavy-duty pickup substantially above the national benchmark.
12. Ram 3500
The Ram 3500 closes this 12-vehicle list with another heavy-duty pickup. HLDI’s WT-24 data show that the Ram 3500 crew cab long-wheelbase 4WD recorded a relative whole-vehicle theft claim frequency of 387 for 2022 through 2024 model years.
That is nearly four times the passenger-vehicle benchmark of 100. The dataset contained 105 whole-vehicle theft claims across 60,900 insured vehicle years.
Its relative claim severity was 128, meaning the average theft claim cost more than the passenger-vehicle reference amount. Combined with its claim frequency, this produced a relative theft-loss figure of 496.
The Ram 3500 is built for heavy-duty work, and its available powertrains reflect that purpose. The 6.7-liter Cummins turbo-diesel was rated at up to 1,075 lb-ft of torque in this generation, while gasoline-powered versions used a 6.4-liter HEMI V8. Depending on configuration, the truck can also provide substantial towing capacity.
Its appearance in the HLDI report is notable because the list is not simply a ranking of flashy performance vehicles. Heavy-duty pickups make up several positions among the vehicles with the highest whole-vehicle theft claim frequencies.
The 387 score should be viewed in the context of HLDI’s methodology. The organization compares claims against insured vehicle exposure and adjusts its analysis for demographic and geographic factors. It therefore measures relative insurance claim frequency rather than raw theft totals.
For owners, the result is a useful reminder that expensive work trucks can also represent significant theft exposure, making secure parking, appropriate coverage, and anti-theft precautions worth considering.
