Stolen in Seconds: Why Auto Theft Is Still Surging in the Suburbs — and What You Can Do About It

In the past, auto theft was considered an urban crime. But in 2025, that’s no longer the case. A surge in vehicle thefts across suburban Chicagoland—especially in communities near I-294, I-290, and I-55—is causing concern for both homeowners and insurers.

Data from the National Insurance Crime Bureau (NICB) and Illinois State Police shows that theft rates remain elevated, with certain models like Hyundais, Kias, and full-size pickups being targeted in record numbers. Suburbs such as Oak Brook, Schaumburg, Orland Park, and Naperville are seeing year-over-year spikes in reported thefts.

What’s Causing the Increase?

1. TikTok “Hack” Videos

Instructional videos circulating on TikTok have taught would-be thieves how to exploit vulnerabilities in some 2011–2021 Hyundai and Kia models. These vehicles lack engine immobilizers—making them easy to steal using only a USB cable.

2. Organized Crime Rings

Gangs are targeting suburban malls, trailheads, and residential driveways to steal vehicles for use in other crimes—or to ship overseas. SUVs and pickups are especially attractive due to high resale value.

3. Keyless Ignition Vulnerabilities

Relay attacks allow thieves to amplify key fob signals from inside your home to start and drive away with your car in under 30 seconds.

4. Lax Homeowner Vigilance

Many suburban residents leave key fobs in unlocked vehicles or rely on garage parking for security—making them easy targets.

Insurance Impact

Many auto insurers are now:

• Adding surcharges for high-risk makes and models

• Requiring anti-theft devices to bind or renew coverage

• Refusing to insure certain VIN ranges unless proof of immobilizer installation is provided

Homeowners may also face increases if auto theft contributes to liability or property claims.

Real Claim Example

A Naperville homeowner left a Hyundai Sonata parked in the driveway overnight. Thieves stole the vehicle and crashed it into a neighbor’s fence. The homeowner faced:

• A denied auto claim due to lack of anti-theft device

• A homeowners liability claim for property damage

• A premium hike at the next renewal

How to Protect Your Vehicle

1. Don’t Rely on Your Garage

Even garage-stored vehicles are being targeted. Always lock doors, remove keys, and set alarms.

2. Install an Immobilizer or Tracking Device

Many aftermarket options cost less than $200 and may qualify you for a discount.

3. Use a Faraday Box or Pouch for Key Fobs

This blocks signal amplification attacks and keeps thieves from mimicking your keyless entry.

4. Park Smart

Use well-lit areas and avoid leaving valuables visible. Avoid leaving your car running unattended—even to warm it up.

5. Check Your VIN’s Risk Score

Ask your insurance advisor to check if your vehicle is on the NICB’s high-risk list.

What Homeowners Should Know

Your homeowners policy might cover:

• Property damage caused by your stolen vehicle

• Theft of personal items from the vehicle (not the vehicle itself)

But it likely won’t cover the car. That’s where your auto policy’s comprehensive coverage comes in. If you’ve opted out of comp, you may be out of luck.

Final Thoughts

Auto theft is no longer just a “city problem.” It’s a growing suburban risk—especially in areas with access to major highways.

Take the time to secure your vehicle, upgrade your coverage, and talk to your insurance advisor about your exposure.

Worried your vehicle might be on the high-risk list? Let us check your VIN, review your coverage, and recommend theft prevention steps that may lower your premium.

Stolen in Seconds: Why Auto Theft Is Still Surging in the Suburbs — and What You Can Do About It