crikey in 3E you needed something more powerful than an SMG to cause vehicular damage).
You went too far back.
In 5e a Hold Out pistol can reliably damage many stock vehicles. A hold out pistol is DV 6, with 1 Net Hit required to to even have a chance of triggering a Damage Resistance Test, makes it a minimum of DV 7.
Many stock vehicles have 6 Armor or less (let's take the Shin-Hyung as an example) meaning if the Hold Out pistol hits, it triggers a Damage Resistance Test against a minimum DV of 7. With 16 dice (stock Shin-Hyung has 10 Body, 6 Armor) the vehicle is very likely going to suffer at least 2 damage. And at 1425 Nuyen per box of damage repair, that is a repair bill of at least 2850 Nuyen. From a Hold Out pistol.
Stock vehicles are for basic bitches.
Depending on whether they went with concealed or standard armor, a modified Shin-Hyung is going to have 9 or 11 Armor, which moves the minimum required hits up to 4 or 6, unless you're using a Walther, in which case it's 3 or 5. In either case, stock hold-outs just don't have the accuracy necessary to damage the Shin-Hyung with standard armor, requiring either Take Aim actions or an internal smartgun system. Assuming those are in place, we can look at the expected damage: minimum DV of 10 vs 19 dice means 4 expected damage and minimum DV of 12 vs 21 dice means 5 expected damage. However, this damage is far less likely to have occurred in the first place, because these are not at all easy shots to make.
Moving onto the example of Toyota Gopher vs Ares Predator, a modified Gopher will have an armor of 14 or 17, requiring the Predator to get 6 or 9 hits. Base accuracy of a Predator is 7 when you include the smartgun system, so let's assume modifications, Take Aim actions or some combination thereof are used in the latter case. That means we're looking at minimum DV 14 vs 27 dice for 5 expected damage and minimum DV of 17 vs 30 dice for 7 expected damage. However, these are very, very difficult shots to make, and it would be far easier to damage the Gopher if the Predator is using APDS. In that case, the Predator only needs 2 or 5 hits, so we see minimum DV 10 vs 23 dice for 3 expected damage and minimum DV 13 vs 26 dice for 5 expected damage. However, damaging the Gopher with standard armor remains a tricky shot to pull off.
Now let me introduce a new example, the Ares Roadmaster. 18 Body, 18 stock Armor which can be bumped up to 24 concealed or 27 standard. An Ares Predator with APDS would need 6 hits to damage even the base model, so the weapon in this example will be the Ares Alpha, with DV 11 and a base AP of -2. It has a base accuracy of 7 when used with smartlink, but getting a custom grip is cheap and easy so let's bump that up to 8. With standard ammunition, it takes the Alpha 6, 12 and 15 hits to damage the stock, concealed and standard armor configurations respectively. The latter two are absurdly difficult, so we can only examine the first: minimum 17 DV vs 34 dice for 6 expected damage, and that is on a very tricky shot. Load the Alpha with APDS, and then it becomes a matter of getting 2, 8 and 11 hits to achieve damage. 11 is still absurdly difficult, so let's look at the stock and concealed scenarios: minimum DV 13 vs 30 dice for 3 expected damage and Minimum DV 19 vs 36 dice for 7 expected damage. The latter is achieved only with a very, very difficult shot. Damaging the standard armor Roadmaster is probably outside the scope of this argument.