Claims rate: Claims rate: 0.408 for every 1,000 vehicle years Moore thinks thieves take a pass on the Matrix primarily because the Toyota ( TM) is popular with suburban moms who have garages, making it harder for crooks to notice the car and/or steal it. Besides, the Matrix is a small, station-wagon-like hatchback that Moore figures few self-respecting car thieves want. "When I think about the kind of vehicles that get stolen a lot, station wagons aren't it," he says. All told, the Matrix's theft rate of 0.408 claims for every 1,000 vehicle years is 66% below the U.S. average for all cars of 1.2 reported incidents per 1,000 vehicle years. So thefts boost Matrix owners' insurance bills by only around $3 a year vs. about $8 for the typical U.S. car. Alas, paying customers apparently haven't thought that much of the Matrix, either. Toyota has discontinued to model for 2014 amid lackluster sales, although used versions (and possibly some unsold 2013s) are still available.
Claims rate: Claims rate: 0.398 for every per 1,000 vehicle years The Acura RDX carries a fairly upscale price (2014s start at $34,520), but Moore thinks many versions of this small luxury crossover from Honda ( HMC) spend their nights in suburban garages -- reducing the vehicle's rip-off rate.
Claims rate: Claims rate: 0.382 per 1,000 vehicle years You'd think the Audi A4 would have a high rip-off rate, given its good looks and fairly hefty price tag ($33,800 and up for a 2014). But Moore says European sedans such as the A4 from Volkswagen subsidiary Audi tend to come with sophisticated antitheft systems that deter crooks. And again, he speculates that most A4s wind up parked overnight in homeowners' garages -- not on the street where thieves can easily get at the cars. "Luxury vehicles are more likely to be garaged at night than other vehicle types are," Moore says. As a result, the HLDI estimates theft claims add just $5 a year to the cost of insuring an A4.
Claims rate: Claims rate: 0.371 per 1,000 vehicle years Moore says the Volkswagen Tiguan is another compact crossover popular with suburban moms who likely keep it in garages, deterring thefts. "Small or midsized SUVs are the class of cars whose sales are most heavily skewed toward women, so many Tiguans are likely to be garaged
Claims rate: Claims rate: 0.367 per 1,000 vehicle years When the lights go down in the city and sun shines on the bay, the odds are that your Journey will still be where you left it the night before. That's because this crossover from Fiat subsidiary Chrysler takes the HLDI's crown as the car with America's lowest rate of theft claims. Moore admits he doesn't know why thieves take a pass on the Journey, but it's certainly a family-friendly vehicle that seems more suited to a suburban garage than an urban street. The Journey also carries a fairly modest starting price: just $19,495 for a 2014 model. All told, the HLDI estimates that theft claims add just $2 or so to a Journey's annual insurance bill./p>