Every year, the National Insurance Crime Bureau (NICB) releases a list of the top ten most stolen cars. According to their statistics, in 2008, the most stolen car in the United States is the 1994 Honda Accord.
- Honda Accord (1994)
- Honda Civic (1995)
- Toyota Camry (1989)
- Ford F150 (1997)
- Dodge Ram Pickup (2004)
- Dodge Caravan (2000)
- Jeep Cherokee (1996)
- Acura Integra (1994)
- Ford Taurus (1999)
- Ford Explorer (2002)
The reason there are so many older cars on this list is because they are easier to steal. They usually have worse security systems and are easier to break into / hotwire. Also, thieves tend to target older cars for their auto parts. Because more Americans drive older vehicles, the market for used parts for the vehicles is also high. Often times, when older vehicles are stolen, they are stripped of their parts and never make it back onto the streets.
For more recent cars (model years 2003-2005), the list looks a tiny bit different.
- Honda Civic
- Toyota Camry
- Honda Accord
- Dodge Caravan
- Chevrolet C/K 1500
- Ford F-150
- Dodge Ram Pickup
- Acura Integra
- Toyota Pickup
- Nissan Sentra
If your car is on this list, what does that mean for you and your insurance? Fortunately, you will most likely not see more expensive premiums if your vehicle is listed. There is a huge correlation between the most popular cars to steal and the most popular cars to own. The reason for this is simple – the more likely a car is to be on the road, the higher chances it has to be stolen.
If you are afraid of having your car stolen, you need to make sure you have comprehensive coverage auto insurance. If you have dropped comprehensive coverage, you are not covered for theft. Comprehensive coverage pays for damage to your car caused by stuff other than collisions. This includes: flood, vandalism, flying objects, falling trees, animals, and theft.
To make sure you decrease the chances of your car being stolen, make sure you take some anti-theft measures:
- Lock your doors and take the keys whenever you leave your vehicle (even at home).
- Do not hide an extra key in your vehicle or anywhere outside the vehicle (like behind your license plate)
- Always park in well-lit and safe areas.
- Don’t leave things in your car that will attract thieves. Example – Don’t leave cash or jewelry in plain sight on your car seat.
- Install Lojack or GPS in your vehicle. This can help police easily locate your vehicle if it has been stolen (and can qualify you for an auto insurance discount).