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What your insurance won't cover. Hal Bundrick, CFP® · Senior Writer Mon, August 3, 2026 at 3:00 PM GMT+2 3 min read Vehicle thefts are declining in the U.S., yet there's still one vehicle stolen, on average, every 48 seconds, according to the National Insurance Crime Bureau. Depending on the car and the location, the odds can be even greater.
Popular vehicles in big cities are most vulnerable. And driving one of the most stolen vehicles listed below increases the risk even more. However, the personal violation a victim feels when their vehicle is stolen can be compounded by the stress of realizing that their insurance policy falls short in covering the financial loss.
Read more: Cheapest car insurance companies of 2026 The most stolen vehicles in the U.S. The National Insurance Crime Bureau compiles an annual list of the most stolen vehicles in America. In 2025, those vehicles and the number of thefts reported were: Hyundai Elantra (21,732) Honda Accord (17,797) Hyundai Sonata (17,687) Chevrolet Silverado 1500 (16,764) Honda Civic (12,725) Kia Optima (11,521) Ford F150 (10,102) Toyota Camry (9,833) Honda CR-V (9,809) Nissan Altima (8,445) What auto insurance may cover "Many drivers assume that their insurance will cover everything for them after a theft of their vehicle has occurred.
However, there are many additional costs that can occur after the main claim has been settled," Luke Oswald, an automotive specialist with Wheels Away, a national car buying service, told Yahoo Finance. "It is recommended to check with your insurance provider whether you have a comprehensive insurance policy or not, as liability insurance does not cover theft of a vehicle." If you financed or leased your vehicle, your lender typically requires you to carry comprehensive and collision coverage, so many people are covered, Maya Afilalo, insurance industry analyst at AutoInsurance.com, added. What auto insurance may not fully cover Oswald notes that some insurance companies pay policyholders the market value of their insured stolen vehicle at the time of the loss.
"That can be significantly less than expected, especially if the vehicle has dropped in value greatly," he said. The declining value is called depreciation. Car insurance companies determine a car's value based on factors like mileage, year, make and model, and accident history.
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