Assur360 Alert · July 2026
Your RAV4, CR-V or Highlander is on the list of the most stolen cars in Quebec
What your insurer doesn’t tell you — and 3 concrete actions to avoid the 15% surcharge in 2026.
If you drive a Toyota RAV4, Honda CR-V, Honda Civic or Dodge Ram 1500, you should know that your vehicle is at the top of the list of the most stolen cars in Quebec in 2026. Equity Association data points to a disturbing reality: organized networks that export through the Port of Montreal are systematically targeting these models, which are popular in Africa and the Middle East — and your insurers are starting to adjust their premiums accordingly.
Here’s what most owners don’t know — and more importantly, what an AMF-licensed broker recommends to limit the damage.
The 2026 List: The 10 Most Stolen Vehicles in Quebec
- Toyota RAV4 — Target 1, Massive Export
- Honda CR-V — average premium 12%
- Honda Civic — frequent relay attack theft
- Dodge Ram 1500 — Canada’s Most Stolen Pickup
- Toyota Highlander — new to the 2026 list
- Ford F-150 — Series 2015 to 2020 in particular
- Lexus RX 350 — Most Targeted Luxury
- Jeep Grand Cherokee
- Range Rover Sport — GPS requirement at most insurers
- Chevrolet Silverado 1500
Why Your Premium Will Go Up (Even Without Being Stolen)
Insurers adjust their rates based on the aggregate risk by model. If the RAV4 theft rate increases by 20% in a region, all RAV4 owners in Ontario and Quebec experience an increase — even those who have never had a claim. In 2026:
- “Vehicle at Risk” surcharge — 8% to 15% at Intact, Belair, TD Insurance, The Cooperators.
- Increased theft deductible — often increases from $500 to $1,000 for models at the top of the list.
- Anti-theft requirement — active GPS tracker mandatory by many insurers on post-2018 RAV4, CR-V, Range Rover.
⚠️ Be careful: many homeowners only find out about the surcharge at renewal — too late to shop around. Check your policy now, not in November.
3 concrete actions to protect your vehicle (and your premium)
Faraday Box for Keys
The Faraday box blocks the signals emitted by the wireless dongle and prevents the remote amplification used during a relay attack. Cost: $20 to $40 at Amazon or Canadian Tire. Zero maintenance.
Approved ignition interlock device
A DGT-90 ignition interlock device or equivalent gives a discount of 3% to 10% with most insurers — and the installation cost ($150 to $400) is amortized in 2 to 3 years.
GPS tracker with subscription
An active GPS (Tag, Auto Vigilance, Boomerang) allows recovery in more than 90% of cases. The premium drops by up to 15%, and this is sometimes required to subscribe.
A Port That Weighs Heavy: Montreal, a Hub
Since 2022, the Port of Montreal has been identified as the main export point for stolen vehicles in Canada. Authorities estimate that more than 12,000 vehicles left the country via sea containers in 2024. This geographic reality explains why Montreal, Laval, Longueuil, Brossard, Saint-Laurent, Terrebonne, Repentigny and Boucherville have the highest theft rates in Quebec — and the most significant additional premiums.
What a broker can do for you
The Assur360 advantage in 3 points
- ✓ Comparison of 10+ AMF licensed insurers in a single quote
- ✓ Negotiation of anti-theft discounts according to your equipment (Faraday, DGT-90, GPS)
- ✓ Supporting 100,000+ clients since 1997 — supervised by the Chambre de l’assurance
Frequently asked questions
Is the theft of my RAV4 covered by my standard policy?
How much does a GPS car tracker cost?
Can the insurer refuse to insure my RAV4?
Do I have to declare parking (garage vs. street)?
Go further
Is your RAV4 too expensive to insure?
3 minutes to compare 10+ insurers. No strings attached.
