How to Protect Yourself From High-Tech Car Theft

Relay Attacks

Cars with keyless entry are especially vulnerable to theft. Thieves use a relay device to capture your key fob’s signal even if it’s inside your home, then transmit the signal to another device placed near your car. Once your vehicle mistakes the relayed signal for the actual key, thieves can unlock and drive off in less than a minute.²

Controller Area Network (CAN) Bus Attacks

If your car is a 2008 or newer model, it uses a Controller Area Network (CAN bus) to connect its electronic systems. Unfortunately, the CAN bus is also vulnerable to thieves, who access it through the vehicle headlights, door handles, or OBD port.

Once they have access to the network, they can issue fake commands to unlock the doors and disable the anti-theft system. This method is often used to steal valuable models from brands like Toyota, Lexus, and other luxury automakers.³

Code Grabbing and Key Programming

Advanced theft schemes use code grabbers to record the rolling codes that your key fob transmits to your car. Although designed to stop replay attacks, some modern rolling code systems have vulnerabilities. Criminals can also buy key programming tools—intended for locksmiths—to make new key fobs for cars they want to steal.

The process usually includes stealing VINs and then programming blank key fobs. Sometimes, thieves survey neighborhoods, find cars to steal, and come back with the programmed keys.⁴

Start With Physical Security

Even as car theft involves advanced methods, we recommend physical security measures since they’re effective. Tools like steering-wheel locks increase the time and effort it takes to steal a car, making it more likely that they’ll be caught.

You can also make your vehicle harder to target:

• Park in well-lit, highly visible areas
• Use a locked garage when possible
• At home, park close to walls or tight spaces to limit access to your doors or hood
• Turn your wheels toward the curb and use the parking brake to make towing difficult

Protect Your Key Fob

Since your key fob is usually the weakest link in your vehicle’s security system, you can strengthen your defenses by:

• Storing fobs away from windows, exterior walls, and entry points
• Using metal tins, safes, or Faraday pouches to block signals
• Checking whether your vehicle allows you to disable passive entry features

In addition, keep your fob if you’re parking and going to a public location, instead of leaving it in a locker, desk drawer, or gym bag. Thieves are known to briefly borrow key fobs, duplicate them, and then return them without the owner noticing.

Use a Layered Security Approach

No single device can stop modern theft attempts. For this reason, it’s best to stack multiple layers of safety and reduce the chances of having your car stolen.

A strong layered setup can include:

• A Faraday pouch for key fobs
• A visible steering-wheel or pedal lock
• An aftermarket alarm with motion, tilt, or shock sensors
• VIN etching on major components
• A hidden tracking device
• Parking in secure and visible spots

Aftermarket Security Systems

A professionally installed security system can provide more protection for your vehicle. These systems typically run between $200 and $800 for parts and installation, depending on its features.

Look for models with:

• Motion or tilt sensors
• Glass-break detection
• Encrypted communication
• Two-way remotes that alert you when your alarm activates
• A battery backup in case thieves disconnect the main battery

Make Sure You Have the Right Coverage

As liability insurance doesn’t cover theft, you’ll need comprehensive coverage. This pays for:

• Stolen vehicles
• Theft-related damage
• Vandalism
• Permanently installed equipment

If you lease or finance your car, your lender will likely require comprehensive coverage. Those who own cars that they’ve paid off should still consider it, especially if it’s not affordable to replace your vehicle out-of-pocket. Many insurers also offer car insurance discounts for approved anti-theft devices.

Let Your Insurer Know About Security Upgrades

Report any security features you install to save between five and 25 percent on your premium, depending on your provider. Keep receipts and documentation, so you can speed up the process if you ever file a claim. It will also ensure that you get a better payout after a theft.

If your car is stolen, report it to law enforcement immediately and file your insurance claim within 24 hours. For owners of vehicles with a tracking device, contact the monitoring company immediately. Many coordinate with law enforcement to help recover vehicles more quickly.

Comprehensive policies typically include a 30-day waiting period before settling a total-loss claim in case your car is recovered. If you purchased rental reimbursement, it can help cover temporary transportation during this time.

Insurance payouts are based on your car’s actual cash value. If you owe more than your car is worth, gap insurance can save you from paying the balance out-of-pocket.

After Filing a Claim

Monitor your insurance claim status and send additional documentation or information if needed. If your vehicle is recovered, have it inspected by a mechanic before accepting it. Your comprehensive insurance will cover theft-related damage repairs, though your deductible applies.

High-tech auto theft is becoming more common, but you can take measures to protect your vehicle. We recommend that you start with easy steps, like storing your key fob in a signal-blocking pouch and using steering wheel locks. You can also use electronic protectors and tracking devices for an extra layer of defense. No single device guarantees full protection, but using multiple anti-theft tools can keep your car safe in the long run.