
Yes, a car with a keyless entry and start system can be stolen without the physical key fob. While keyless technology, often called a passive keyless entry and start system, is designed for convenience, it introduces vulnerabilities that tech-savvy thieves exploit. The primary risk is a relay attack, where thieves use electronic devices to amplify the signal from your fob, even if it's inside your house, tricking the car into thinking the key is present.
The most common methods used to steal these cars include:
| Car Model/Type | Relative Theft Risk (Keyless Entry) | Common Theft Method | Industry Data Source |
|---|---|---|---|
| Luxury SUVs (e.g., Range Rover) | Very High | Relay Attack | HLDI (Highway Loss Data Institute) |
| Ford F-Series Pickups | High | OBD Port Programming | NICB (National Insurance Crime Bureau) |
| Hyundai & Kia (pre-2022 models) | Extremely High (due to immobilizer lack) | USB Cable "Kia Challenge" | NICB Hot Wheels Report |
| Honda CR-V | Moderate to High | Relay Attack | HLDI |
| Tesla Model 3/Y | Lower | Robust encryption and "Pin to Drive" feature | Tesla Security Report |
To protect your vehicle, always store your key fob in a Faraday pouch or bag, which blocks all radio signals. Alternatively, a simple metal tin can also be effective. Avoid leaving your fob near entry points in your home. For added security, use a proven physical deterrent like a steering wheel lock, which can deter thieves looking for a quick target.

Absolutely. It's scary how easy it can be. Those keyless cars are a thief's dream if you're not careful. The big trick is the "relay attack." They can use a gadget to extend the signal from your key fob that's sitting on your kitchen counter right to your car in the driveway. The car just unlocks and starts like magic for them. My advice? Get a signal-blocking pouch for your key fob. It's a cheap and simple fix that stops this whole thing cold.

Unfortunately, yes. I learned this the hard way when my SUV was stolen right from my driveway overnight. The police said it was a classic relay attack. The thieves never broke into my house; the key fob was on the hook by the door the whole time. They just extended its signal. It was a huge hassle with and everything. Now, I'm religious about putting both of our fobs in a Faraday box on a table in the hallway. It feels like the only way to be sure these days.

From a technical standpoint, the vulnerability lies in the constant, low-power signal transmission of most key fobs. The car and fob are in a perpetual "handshake" state when they are close. Relay attacks exploit this design by bridging the distance. Beyond using a signal-blocking pouch, you can enhance by enabling any additional features your car has, like a passcode-based starting system (offered by some brands) or a on/off switch for the keyless entry in the vehicle's settings menu. A multi-layered approach is always best.

Yes, and it's a growing problem that impacts claims. We see claims where there's no sign of forced entry, which points directly to electronic theft methods like relay attacks. While comprehensive coverage will typically cover the theft, it's a disruptive process for the owner. Proactive steps are crucial. We recommend a combination of physical and electronic security: a steering wheel lock is a highly visible deterrent that often makes thieves move on, and storing fobs in a signal-blocking container addresses the core electronic weakness. Simple habits can significantly lower your risk.


