A Chevrolet Camaro ZL1 two-door generates theft insurance claims at a rate nearly 40 times the average passenger vehicle, according to a Highway Loss Data Institute report covering model years 2022 through 2024. On the index HLDI uses, where 100 represents the fleet-wide average, the ZL1 scores 3,949.

How Insurers Actually Measure This

The baseline HLDI works from is 0.45 theft claims per 1,000 insured vehicle years across all 2022-24 passenger vehicles. A score of 1,000 means a vehicle is stolen at roughly ten times the rate of a typical car on the road.

The Vehicles Topping the List

Right behind the ZL1 is the Acura TLX all-wheel-drive sedan at 2,138, followed by the standard Camaro coupe at 1,287. After that, the list tilts hard toward heavy-duty pickups.

Pickups Are Where the Real Money Is

HLDI’s category breakdown shows pickups filing theft claims at 0.91 per 1,000 insured vehicle years, roughly double the all-vehicle average, with theft claims averaging $66,984 in losses.

What’s Almost Never Stolen

The report found the Tesla Model 3 posts the lowest theft claim frequency in the entire study, at just 1% of the all-passenger-vehicle average.

What You Should Actually Do With This

If you own or are shopping for a vehicle near the top of this list, comprehensive coverage stops being optional and starts being math.