Claims rate: 5.6 per 1,000 vehicle years Although the HLDI doesn't break out specifics of theft-related claims, Moore suspects the FORD ( F) F-350 has lots of insurance losses because people steal items from the truck rather than take the truck itself.
Claims rate: six per 1,000 vehicle years Moore believes that like the F-350, the GMC ( GM) Sierra 1500 Crew Cab makes the list because it's a big pickup with an open truck bed and often sits for hours at construction sites. Again, that's the perfect situation for crooks. "Being a larger vehicle, the Sierra is more likely to be used on a job site -- and it has a bed that's easy to take things out of," he says. Last year, insurance firms paid out $6,366 on the average Sierra Crew Cab theft claim. That averages out to an extra $38 a year for every 2010-12 Sierra still in service.
Claims rate: 6.1 per 1,000 vehicle years Insurers technically classify the Avalanche 1500 as an SUV, but the model's large, open flat bed functions more or less like a pickup truck's -- right down to the high potential for property thefts. "The Avalanche has the same issues as trucks do in terms of the ease in which thieves can get to your property," Moore says. The only difference he sees is that Avalanches often appeal to outdoor enthusiasts more than to contractors.
Claims rate: 6.8 per 1,000 vehicle years The Silverado 1500 Crew Cab had the largest absolute volume of 2012 theft claims of any model at or near the top of the HLDI's list. But the big number of Silverado Crew Cabs on the road managed to dilute the truck's claim rate enough to put the Chevy in second place on this year's rundown. Once again, Moore blames the Silverado Crew Cab's popularity with burglars on the model's open truck bed and frequent time spent unattended at construction sites. "Heavier-duty trucks and/or those with crew cabs are more likely to be job-site vehicles," he says. HLDI figures show that insurers spent $5,463 on the average Silverado Crew Cab theft claim last year. That boosts the typical vehicle's annual insurance cost by around $37.
Claims rate: 7 per 1,000 vehicle years The F-250 Super Duty Crew Cab 4WD takes first place on the HLDI's rankings thanks to, as with other vehicles on the list, an open bed and frequent use at construction sites. "Rather than being a black eye for the F-250, what I think the study really shows is that bigger trucks are more likely to have theft claims," Moore says. Researchers found that insurance companies paid F-250 Crew Cab owners $7,060 on average for last year's theft claims. That translates into an extra $50 in insurance costs for every 2010-12 version of the vehicle still on the road.