Top 10 Most Stolen Vehicles in 2024 and How It Affects Your Insurance

If your car is on this list, it could impact more than just your peace of mind.

Is your car one of the most stolen vehicles in America?

If it is, you may not only have a bigger target on your vehicle — but potentially on your insurance premiums as well.

According to the National Insurance Crime Bureau (NICB), more than 850,000 vehicles were stolen last year. That is roughly one every 37 seconds.

While full-size pickup trucks have historically dominated theft lists, recent years have brought a major shift. Certain Kia and Hyundai models saw theft numbers surge due to missing anti-theft technology and viral social media trends.

Let’s break down the Top 10 most stolen vehicles of 2024 and what it means for your insurance.

Top 10 Most Stolen Vehicles – 2024

10. Kia Sportage

With over 15,000 stolen, older Kia Sportage models became attractive targets due to the absence of advanced anti-theft systems in certain years.

Higher theft frequency can result in higher comprehensive insurance premiums.

9. Ford F-150

One of America’s best-selling trucks remains a high-theft vehicle. Valuable components like tailgates and catalytic converters make it appealing to thieves.

High-value trucks often mean larger insurance claim payouts.

8. Kia Forte

Many models lacked engine immobilizers, making them easier to steal. Theft rates spiked after online videos demonstrated vulnerabilities.

7. Honda Civic

A longtime presence on theft charts, especially older models. Widely compatible parts increase resale value in the black market.

6. Honda Accord

Reliable and popular, which unfortunately also makes it desirable for parts resale.

5. Kia Soul

Another model affected by immobilizer concerns. Insurance companies factor in increased theft risk when pricing coverage.

4. Chevrolet Silverado 1500

Nearly 24,000 stolen in 2024. Full-size pickups remain profitable targets for thieves.

3. Kia Optima

Theft numbers surged in 2023 and 2024. In some states, certain insurers paused writing new policies for high-risk Kia and Hyundai models.

2. Hyundai Sonata

More than 42,000 stolen. Similar immobilizer issue as certain Kia models.

1. Hyundai Elantra

Nearly 50,000 stolen in 2024. Affordable, widely available, and vulnerable in specific model years.

What This Means for Your Insurance

If you own one of these vehicles, insurers consider you a higher theft risk.

This primarily affects your comprehensive coverage — the part of your auto policy that covers theft, vandalism, fire, and non-collision losses.

Higher theft frequency in your vehicle model or ZIP code can lead to:

• Higher comprehensive premiums
• Stricter underwriting guidelines
• Fewer carrier options in some states

Even if you have never filed a claim, your vehicle’s theft statistics influence how your risk is priced.

How to Protect Your Vehicle (and Possibly Your Rates)

There are practical steps you can take:

1. Park Smart

Use well-lit areas, garages when available, and avoid leaving vehicles unattended in high-theft zones.

2. Remove Valuables

Do not leave visible items or spare keys inside your vehicle.

3. Install Anti-Theft Devices

Steering wheel locks, kill switches, GPS tracking systems, and alarm systems can reduce theft risk. Some insurers offer discounts for approved devices.

4. Check for Manufacturer Updates

Certain Kia and Hyundai models qualify for free security software upgrades or steering wheel lock programs.

5. Review Your Coverage

If your vehicle is on this list, review your deductible and coverage structure to ensure it aligns with your financial situation.

Bottom Line

Vehicle theft trends influence insurance pricing more than most drivers realize.

If your car appears on the most stolen list, it does not mean you are uninsurable — but it does mean pricing and carrier availability may vary.

At Trailstone Insurance, we shop more than 40 top-rated carriers to help you find coverage that fits your situation — even if your vehicle carries higher theft risk.

We work for you, not the insurance company.

If you would like us to review your current policy and compare options, reach out. Protecting your ride — and your wallet — is what we do best.