Easy to steal, hard to insure What’s up with Hyundai and Kia?

Easy to steal, hard to insure What’s up with Hyundai and Kia?

Hello loyal Beaverton readers! Thank you all for the feedback on the last few articles, I really appreciate it.

So, for this month’s article we will be talking about Hyundai and Kia (owned by Hyundai) and why they are one of the most stolen vehicles in North America.

Were you aware that insurance companies can blacklist certain vehicles? If you drive certain Kia or Hyundai models between 2015 and 2021, you could be in for a big surprise as both State Farm and Progressive both will no longer write policies for these models. This means, if you are planning on buying one of these to brands, it would be very wise to contact your insurance agent prior to making the purchase. Depending on where you reside, you may not be able to get coverage. Plus, if you already have a policy with one of these companies, they may not renew your policy.

Why is it hard to get insurance on these cars? The #1 reason is that they are just too darned easy to steal. The issue actually came to the forefront in July of 2022 when it was discovered that thieves could simply take the car using just a flathead screwdriver and USB cable.

In September of 2022, the insurance institute reported that Hyundai and Kia vehicles theft claims more than doubled that of any other manufacturer, all as a result of the manufacturer going on the cheap and failing to install an engine immobilizer as standard.

No recalls have been issued and Hyundai has taken very little responsibility for this issue. They recommended that vehicle owners go out and purchase a steering wheel locking device (club), wheel locks, or a car alarm.

Hyundai does offer some anti-theft options. However, it is on your dime. They did come out with some software updates to help combat the theft issue, however, in this writer’s opinion, it is far too little and far too late. This is a clear lack of responsibility on Hyundai and Kia’s part in my opinion.


What models are affected?

According to this list published by TheDrive, the following models are affected:

  • 2015-2021 Hyundai Kona
  • 2015-2021 Hyundai Accent (all body styles)
  • 2015-2021 Hyundai Elantra (two-door and four-door)
  • 2015-2021 Hyundai Santa Fe
  • 2015-2021 Hyundai Tucson
  • 2015-2018 Hyundai Veloster
  • 2015-2021 Kia Forte
  • 2015-2021 Kia Optima
  • 2015-2016 Kia Optima Hybrid
  • 2015-2021 Kia Rio (all body styles)
  • 2015-2021 Kia Sedona
  • 2015-2016 Kia Sorento
  • 2015-2021 Kia Soul
  • 2015-2021 Kia Sportage

Note: The 2016 Kia Optima, being a hybrid, did, in fact, come pre equipped with an immobilizer.

I want to thank all of you for reading. I also want to thank all of you who want to save time, money, and the hours of hassle of purchasing a new or used vehicle in these difficult and trying times. Lastly, of course, if any of you who have an unused vehicle that needs to be sold, I will gladly assist with this as well. I do have 46 years of experience in the automotive business to better serve, and assist you.


Call or email me at (503) 930-1493, fergusonautobrokers@gmail.com. www.fergusonautobrokers.com.