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Do You Drive a Car That Thieves Target?

Opposite to common perception, the automobiles which are most focused by thieves aren’t high-end luxurious manufacturers or new sports activities automobiles. As an alternative, they’re usually are older fashions with out theft safety which are each simpler to steal and fascinating for components, based on the Nationwide Insurance coverage Crime Bureau’s (NICB) newest annual auto theft report.

Key Takeaways

  • Pickups and common Japanese automobiles are high theft targets immediately, based on the Nationwide Insurance coverage Crime Bureau’s annual monitoring of most-stolen automobiles.
  • Auto thefts reached document ranges in 2020, NICB statistics present—with a automobile stolen about each 36 seconds within the U.S.
  • Whereas claims expertise drives your auto insurance coverage price, theft-related elements can even come into play.

Auto Theft Hits File Tempo

For the second yr in a row, the business group discovered the Ford full-size pickup truck was the mannequin most incessantly stolen, adopted by the Chevrolet full-size pickup. Rounding out the highest 10 are the Honda Civic, Honda Accord, Toyota Camry, Nissan Altima, GMC full-size pickup, Toyota Corolla, Honda CR-V, and Dodge full-size pickup.

Ford, Chevy, and GMC pickups and the Honda CR-V specifically noticed double-digit theft improve percentages in 2020 in contrast with 2019, says David Glawe, president and CEO of the NICB. These tendencies comply with different NICB knowledge exhibiting that total auto thefts spiked to their highest degree in a decade in 2020, and catalytic converter thefts had been greater than 4 instances larger in 2020 than within the prior yr.

“Auto thefts noticed a dramatic improve in 2020 versus 2019,” Glawe says, “partly because of the pandemic, an financial downturn, regulation enforcement realignment, depleted social and education packages, and, in nonetheless too many circumstances, proprietor complacency.”

Total, the NICB experiences that there have been 880,595 automobile thefts nationwide in 2020, about one stolen automobile each 36 seconds, up from 794,019 in 2019.

Prime 10 Stolen Autos
 Rank  Make & Mannequin 2020 Thefts Most Frequent Mannequin Yr Stolen
 1 Ford Full-Dimension Pickup  44,014  2006
 2 Chevrolet Full-Dimension Pickup  40,968  2004
 3 Honda Civic  34,144  2000
 4 Honda Accord  30,814  1997
 5 Toyota Camry  16,915  2019
 6 Nissan Altima  14,668  2020
 7 GMC Full Dimension Pickup  13,016  2005
 8 Toyota Corolla  12,515  2020
 9 Honda CR-V  12,309  2000
 10  Dodge Full Dimension Pickup  11,991  2001
Supply: Sizzling Wheels: NICB Annual Auto Theft Report, Nationwide Insurance coverage Crime Bureau, October 2021.

The Affect on Insurance coverage Prices

Car theft charges play a job in figuring out the price of the comprehensive portion of auto insurance coverage protection. And automotive insurance coverage charges range primarily based largely on the insurer’s claims expertise, specifically how usually claims are filed and the way large the declare funds are, notes Insurance coverage Data Institute spokesperson Loretta Worters.

“Whereas your auto insurance coverage is not going to routinely rise as a result of your make and mannequin is probably the most incessantly stolen,” she says, “if in case you have claims—say, your automotive has been stolen a lot of instances in your driveway, for instance, your charges would possible improve.”

Associated to theft, and along with make and mannequin, two different threat elements can also influence auto insurers’ losses—in flip probably affecting the premium you’ll be charged and reductions chances are you’ll be eligible for:

  • Whether or not you reside in an space with a excessive charge of auto theft. Bakersfield, Calif., for instance, at the moment ranks because the metropolitan space with the very best automobile theft charge within the nation, based on the NICB’s most up-to-date “Sizzling Spots” report, which compares the variety of thefts per 100,000 residents in cities throughout the U.S.
  • Whether or not your automobile has safety features, comparable to anti-theft units and engine cut-off methods, and whether or not it is parked in a protected storage or on the road.

Insurers deal with an auto theft declare as if the automobile was totaled. Complete protection will sometimes pay the actual cash value of your automotive, minus your deductible.

Automotive homeowners nationwide at the moment pay a median annual complete insurance coverage premium of $167.91, based on the most recent knowledge obtainable from the Nationwide Affiliation of Insurance coverage Commissioners (NAIC). The mixed common auto premium nationally (which incorporates legal responsibility, collision, and complete) provides as much as $1,189.64, the NAIC experiences.

What You Can Do to Thwart Theft

To forestall auto theft, the NICB recommends common sense measures, together with at all times taking your keys or fobs with you, locking doorways and home windows, and parking in well-lit areas. It additionally emphasizes the worth of alarms, immobilizing units, and monitoring expertise to assist thwart thieves, alert the automotive proprietor, and support police in recovering the automobile. The NICB presents an inventory of ways to prevent auto theft on its web site.

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