Insurance thieves tend to chase the same few vehicles, but the claims data also shows which ones almost never get taken. The Highway Loss Data Institute scores every model against an average of 100, and the lowest scorers barely register. At the far end of that scale sits one muscle car, and here are twelve examples that show the whole range.
1. Tesla Model 3: Least Stolen of All
HLDI singled out the Model 3 4WD as the least-frequently stolen vehicle in America, a striking result for a car that sells in large numbers. Insurance-claim data, not guesswork, produced that placement, and it covered whole-vehicle theft losses. Read the Highway Loss Data Institute’s ranking for the placement itself.
Owners of the electric sedan can take some comfort from the ranking, though insurers price on many factors beyond theft. Shoppers comparing coverage costs should treat the result as one favorable data point, not a guarantee against break-ins, damaged parts or stolen contents.
2. Toyota RAV4 Prime: A Hybrid Thieves Skip
The plug-in hybrid SUV recorded a relative theft claim frequency of just 5 against an average of 100 across 2022-2024 models. Put plainly, claims for stolen examples ran at a small fraction of the typical vehicle’s rate, which places it near the very bottom of the scale. The claim figures are laid out in a relative theft claim figure.
Buyers weighing a RAV4 Prime get a rare combination of strong demand and low theft exposure. Because the figure comes from insurance losses on recent model years, older or differently equipped RAV4s should not be assumed to share the same protection.
3. Tesla Model S: Almost Never Taken
The Model S 4WD posted a relative theft claim frequency of 5, where the average vehicle is pegged at 100. That puts the flagship Tesla sedan alongside the very hardest vehicles in America for thieves to profit from. Stacker’s roundup carries the Model S theft score.
For owners, the number suggests that high price alone does not make a car a target. Connected-vehicle tracking and software locks may play a part, though the data itself measures claims, not the reasons behind them, so caution is warranted about attributing the result to any single feature.
4. Volvo XC90: Safe in the Luxury Class
HLDI ranks the XC90 4WD sixth-hardest to steal, with a relative theft frequency of 6 against an average of 100. A three-row luxury SUV in that position shows that size and price tag do not automatically attract thieves. See the HLDI theft list for the full ranking.
Families considering the Volvo can count a very low claim rate as a modest ownership benefit. Insurance quotes still depend on repair costs, driver history and location, so the rank reflects theft only and says nothing about collision or comprehensive pricing overall.
5. Volvo XC40: Compact and Overlooked
The XC40 holds seventh place on HLDI’s least-stolen list, with a relative theft frequency of 7. Two Volvos in the top seven suggest the brand’s security design and buyer profile keep thieves uninterested in its models. an informed-for-life summary backs up the seventh-place spot.
Urban owners who park the small crossover on the street benefit most from that record. Theft claims are only one slice of insurance cost, though, so quotes can still differ widely between insurers, trims and neighborhoods despite the strong showing.
6. Ford Mustang Mach-E: An Electric Mustang Few Target
The Mustang Mach-E recorded a relative theft claim frequency of 8 for 2022-24 models, far under the 100 average. Despite the famous nameplate, the electric crossover draws almost none of the attention that gas-powered performance cars attract from thieves. the Mach-E theft rating sits on the same list.
Shoppers cross-shopping electric crossovers can note that the Mach-E carries minimal theft risk in claim data. The result covers only the model years studied, so earlier or later builds could behave differently and deserve their own check with an insurer.
7. Subaru Crosstrek: Eyes on the Road, Not Thieves
The 2024 Crosstrek 4WD with EyeSight scored a relative theft frequency of 9, meaning claims ran far below the average of 100. Subaru’s popular compact crossover therefore earns a spot among the vehicles criminals consistently pass over. The number behind this is the Crosstrek claim figure.
Buyers in cities with high theft rates can read that as reassurance when choosing the EyeSight-equipped version. The finding applies to this specific configuration and model year, so other trims may not match, and insurance quotes will still vary.
8. Lexus NX: Luxury Without the Risk
The NX 350 4WD appears on HLDI’s list of models thieves avoid, a notable placement for a premium compact SUV from a brand whose vehicles are often expensive to replace. Low theft claims suggest criminals find little payoff in taking it. Money Talks News names it in a list of models thieves avoid.
Owners can treat the listing as a positive signal when negotiating coverage or comparing luxury crossovers. Only this 4WD NX 350 configuration was named, so other powertrains should be checked separately, and theft risk can still change from one region to the next.
9. Mini Cooper: Small Car, Small Target
The Mini Cooper makes HLDI’s least-stolen list for 2022-2024 models, joining a roster dominated by hybrids, electric vehicles and European brands. Thieves apparently find little reward in the compact hatchback, whatever its cheerful reputation. The Mini appears on HLDI’s least-stolen list, as Money Talks News reports.
City drivers who street-park a Cooper can find some relief in the claim data. The finding covers recent model years only, and a low theft rate does not reduce other costs such as repairs, so insurance quotes still deserve a careful comparison.
10. Toyota Venza: Hybrid Wagon, Few Takers
The Venza hybrid 4WD is among HLDI’s least-stolen vehicles, which makes the Toyota notable on a list where the brand’s other models often sit near the top of demand. The listing names the hybrid 4WD configuration of the Venza. the Venza hybrid listing confirms its place among the least stolen.
Shoppers can count that low theft exposure as a plus for the midsize crossover. Because the listing names a specific hybrid configuration, owners of different Toyota models should not assume the same level of protection, and insurers will still weigh other factors.
11. Hyundai Elantra Hybrid: Even a Hyundai Escapes
Even a Hyundai makes the least-stolen list: the Elantra hybrid. The notice matters because the brand’s gasoline models have been tied to widespread theft, which makes the hybrid’s appearance among the hardest cars to take a clear contrast within one lineup. To find the Elantra hybrid’s entry, check the least-stolen list.
Owners of the hybrid version get a different risk profile than neighbors driving older gasoline Hyundais. The result applies only to this powertrain, so buyers should confirm security features on any specific car and ask insurers how the model is rated.
12. Chevrolet Camaro ZL1 (the opposite): The Opposite End of the Scale
The Camaro ZL1 sits at the other extreme, with a theft claim frequency 39 times the average for 2022-24 models, according to HLDI. That figure makes the supercharged coupe the car thieves want most, far above anything else examined. The IIHS write-up behind the Camaro ZL1 ranking gives the 39-times figure.
For owners, the number is a warning that horsepower attracts criminals as much as buyers. Secure parking, steering locks and tracking devices become worthwhile, and insurers may price the ZL1 accordingly, so premium quotes deserve checking before purchase.
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