In SR4A, The vast majority of vehicles have some armor (ever if not a lot of it).
There are vehicles with Armor, and then there are armored vehicles. A leather jacket counts as Armor. The plastic bodywork of a car counts as Armor. To be an armored vehicle in the classic sense that it's resistant to at least some forms of attack, however, it means the vehicle has a lot of Armor.
In the SR5 book, it appears that Armor 15 is about the point that you can start calling a vehicle an "armored vehicle." That's about the point where you can start shrugging off rifle fire and unaugmented melee attacks.
If you push things up to Armor 20, even max-augmented humans with combat axes will have a hard time breaking through. At Armor 25, the max-augmented Troll falls off the curve, and you're into light military-grade armor -- this is where the Panther, HE Rockets, and AV Rockets start to become necessary.
At Armor 30, just about the only useful weapon anymore is the AV Rocket or lots of high-yield explosives.
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Moving along, there are two questions you need to ask yourself:
1) Should a max-augmented troll with a combat axe be able to injure a dragon?
2) Should an Ares Roadmaster be tougher than said dragon?
They have the same armor (though the dragon's is Hardened, but that doesn't make a world of difference here).
