What to Ask Your Insurance Agent About Converter Theft Coverage

Look, if you haven’t already fallen victim to lowlifes running around snipping off catalytic converters like candy from a piñata, consider yourself lucky. But the reality is, converter theft has exploded in 2025—and you need to ask the right questions before these scrappers target your ride.

Catalytic Converter Theft in 2025: The Numbers Don’t Lie

The National Insurance Crime Bureau (NICB) recently reported that catalytic converter thefts are soaring, up over 25% compared to last year. It’s not just a random surge—this is a full-blown epidemic. Thieves are using battery-powered reciprocating saws to quickly slice through the converter pipe, often in under 60 seconds. Think about it for a second: in just one minute, they can strip your car of a component that can cost thousands to replace.

And here’s the kicker: prices for precious metals like rhodium have skyrocketed, touching an eye-watering $10,000 per ounce. Rhodium is the reason these converters are like gold mines for scrappers. Unlike other theft targets, you’re not dealing with some flashy new tech, just an unassuming yet incredibly valuable part under your exhaust.

So, Why Do Thieves Target Catalytic Converters?

It’s simple economics and minimal risk. Catalytic converters contain a smorgasbord of precious metals—including platinum, palladium, and rhodium—the shiny stuff inside that cleans exhaust gases. The rhodium market, in particular, has boomed recently, and these thieves know it.

High resale value: One converter can fetch hundreds of dollars on the black market. Quick grab: Tools like battery-powered reciprocating saws let scrappers work fast and quietly. Low risk: Most thefts happen in broad daylight on quiet streets or parking lots with minimal surveillance.

Ever wonder why they target a Prius? Hybrid vehicles typically have smaller engines and thus more precious metals packed into a smaller, easier-to-reach converter. They’re literally the lowlifes’ preferred flagship.

Which Vehicles Are Most at Risk?

Certain brands and models are magnets for catalytic converter theft, including but not limited to:

Toyota Prius (especially from 2010-2015) Honda CR-V and Accord Ford F-Series trucks Chevrolet Silverado Jeep Grand Cherokee

Larger trucks and SUVs are especially vulnerable because they have high-clearance, making it easier for thieves to crouch under and saw away. Compact cars like hybrid Priuses? Their converters are packed with more precious metals and easier to cut out quickly. The NICB’s data backs this up, showing these models top the hit list nationwide.

Common Mistake: Relying Only on Car Alarms

Here’s a practical reality check: The sound of a car alarm isn’t going to scare off scrappers who just want the catalytic converter. These guys work fast and silently with battery-powered reciprocating saws—and the noise is usually gone by the time the alarm kicks in. So if your only line of defense is an alarm, you’re basically leaving the door wide open.

Physical protection is your best bet:

CatClamp and MillerCAT: These are solid aftermarket options for physical shields or cages that secure the converter. Shields made by these companies use hardened steel and special mounting techniques designed to make it tougher—and more time-consuming—for scrappers to get through. Welding steel shields: Some folks go for custom fabricated shields welded directly to the undercarriage, raising the time and effort required to steal. Security markings: Adding etching or identifiable marks can hinder the resale of stolen converters.

Top Questions to Ask Your Insurance Agent

Now that you know what you’re up against, heading to your insurance agent with the right questions is crucial. Don’t settle for vague answers.

Do I have OEM parts coverage for catalytic converter replacement?

OEM (Original Equipment Manufacturer) parts aren’t cheap, but if you want your car running right after a theft, you want the factory parts, not generic aftermarket copies. Some insurers try to wiggle out, offering you cheaper parts that don’t fit or last as long. Make sure you know your policy’s stance on this.

Will my policy cover a rental car during repair if my converter is stolen?

With repairs often taking days (sometimes weeks, depending on parts availability), confirming whether you get a rental while your vehicle is in the shop is a must. Not all policies include this, so ask and clarify.

What does comprehensive coverage include when it comes to catalytic converter theft?

Most thefts fall under comprehensive coverage, but policies vary on limits and deductibles. Ask specifically about the maximum payout and whether it includes labor, which can be significant.

Are there discounts or endorsements I can add for physical security devices like CatClamp or MillerCAT shields?

Some insurance companies offer premium reductions or endorsements if you’ve installed approved aftermarket protection. It can save you money and offer peace of mind.

What documentation should I provide to ensure a smooth claim if my catalytic converter is stolen?

It never hurts to know upfront what they want—police reports, proof of repair estimates, photos of the damaged area, and so on.

Physical Protection: The Real Game-Changer

I don’t care how much you pay for an alarm or fancy sensors. The number one defense against scrappers is mechanical. Period.

Method Effectiveness Cost Range Pros Cons Car Alarm Low $50–$200 Simple, deters casual thieves Scrappers ignore or work silently CatClamp Shield High $300–$700 Hardened steel, quick install Doesn’t stop experienced thieves fully MillerCAT Protection High $400–$900 Custom fit, proven track record Costly, may increase repair time Welded Steel Shields Very High $200–$600 Strong physical barrier Permanent modification, professional weld required

The Takeaway: Don’t Roll the Dice

So, what’s the takeaway here? Converter theft isn’t just some nuisance. It’s a costly, stressful nightmare, driving repair bills through the roof, especially with precious metals prices soaring to around $10,000 per ounce for rhodium. That means those scrappers aren’t just petty thieves—they’re running a lucrative black market trade.

Extra resources

Your insurance policy isn’t just a piece of paper—it’s a critical tool in protecting yourself after these lowlifes hit. Make sure you understand your coverage inside and out. Push your insurance agent on OEM parts coverage, rental car availability during repairs, and what comprehensive coverage really means for your peace of mind.

And don’t get fooled thinking a car alarm alone will keep the scrappers at bay. Invest in solid physical protection like CatClamp or MillerCAT shields, or better yet, go for professional welded steel shields. Your best defense is making it harder and more time-consuming for these pests to get their saws under your vehicle.

Bottom line? Treat your catalytic converter like the gold mine it is. Protect it accordingly, and be ready to talk turkey with your insurance agent.

Got questions? Drop them below or reach out in the comments—I’m here to help you avoid the mess I’ve seen too many times in the shop.