Do you own America's most stolen car? What your insurance won't cover.

Vehicle thefts are declining successful the U.S., yet there's inactive 1 conveyance stolen, connected average, each 48 seconds, according to the National Insurance Crime Bureau. Depending connected the car and the location, the likelihood tin beryllium adjacent greater. Popular vehicles successful large cities are astir vulnerable. And driving 1 of the astir stolen vehicles listed beneath increases the hazard adjacent more.

However, the idiosyncratic usurpation a unfortunate feels erstwhile their conveyance is stolen tin beryllium compounded by the accent of realizing that their security argumentation falls abbreviated successful covering the fiscal loss. 

Read more: Cheapest car security companies of 2026

The astir stolen vehicles successful the U.S.

The National Insurance Crime Bureau compiles an yearly database of the astir stolen vehicles successful America. In 2025, those vehicles and the fig of thefts reported were:

1. Hyundai Elantra (21,732)

2. Honda Accord (17,797)

3. Hyundai Sonata (17,687)

4. Chevrolet Silverado 1500 (16,764)

5. Honda Civic (12,725)

6. Kia Optima (11,521)

7. Ford F150 (10,102)

8. Toyota Camry (9,833)

9. Honda CR-V (9,809)

10. Nissan Altima (8,445)

What car security whitethorn screen

"Many drivers presume that their security volition screen everything for them aft a theft of their conveyance has occurred. However, determination are galore further costs that tin hap aft the main assertion has been settled," Luke Oswald, an automotive specializer with Wheels Away, a nationalist car buying service, told Yahoo Finance. "It is recommended to cheque with your security supplier whether you person a broad security argumentation oregon not, arsenic liability security does not screen theft of a vehicle."

If you financed oregon leased your vehicle, your lender typically requires you to transportation broad and collision coverage, truthful galore radical are covered, Maya Afilalo, security manufacture expert astatine AutoInsurance.com, added.

What car security whitethorn not afloat screen

Oswald notes that immoderate security companies wage policyholders the marketplace worth of their insured stolen conveyance astatine the clip of the loss. "That tin beryllium importantly little than expected, particularly if the conveyance has dropped successful worth greatly," helium said. 

The declining worth is called depreciation. Car security companies find a car's worth based connected factors similar mileage, year, marque and model, and mishap history. 

"You tin find your car's existent existent currency worth utilizing resources similar Kelley Blue Book oregon Edmunds," Afilalo said. "And if you consciousness your payout is excessively low, you tin effort to negociate with your security company. If you determine to prosecute a backstage appraiser, you'll person to wage retired of pocket, which typically costs $200 to $300."

Of course, the payout volition besides beryllium little than your deductible, Afilalo said. 

If you've reduced your security argumentation to liability-only coverage, possibly due to the fact that you thrust an older oregon lower-value car that's paid off, your argumentation won't screen theft. 

Other security coverages to see

If you beryllium connected your conveyance for enactment transportation, having a backup pursuing a theft tin beryllium critical. That's wherever car rental sum comes in, an summation to your conveyance argumentation with an other cost. 

Then there's the substance of further losses.

"A emblematic car security argumentation won't screen immoderate idiosyncratic items that were successful the car astatine the clip it was stolen, similar phones, laptops, oregon different valuables," Afilalo said. "To get those covered, you'll person to record a assertion done your renters oregon homeowners insurance, which typically includes a deductible."

Aftermarket parts are different security consideration. 

"If you upgraded your conveyance with thing similar customized rims, typically those are not covered unless you person an aftermarket parts add-on sum oregon endorsement," Afilalo said.

What to cognize if your stolen conveyance is recovered

If your stolen conveyance is recovered by instrumentality enforcement, determination whitethorn beryllium repairs to beryllium made — and your troubles whitethorn not extremity there. 

"A conveyance theft grounds is imperishable and volition beryllium with a car for the remainder of its life," Oswald said. "Even though immoderate repairs whitethorn person been paid for by your insurance, agelong aft your security assertion has been settled, the theft of your car tin impact the resale worth of a car."