{"id":84996,"date":"2026-07-13T23:27:28","date_gmt":"2026-07-14T03:27:28","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/most-stolen-cars-in-quebec-2026-rav4-cr-v-civic-theft-surcharge\/"},"modified":"2026-07-13T23:28:44","modified_gmt":"2026-07-14T03:28:44","slug":"most-stolen-cars-in-quebec-2026-rav4-cr-v-civic-theft-surcharge","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/insurance\/car-4\/most-stolen-cars-in-quebec-2026-rav4-cr-v-civic-theft-surcharge\/","title":{"rendered":"Most stolen cars in Quebec 2026: RAV4, CR-V, Civic \u2014 theft surcharge"},"content":{"rendered":"<style>.single-post .ut-post-thumbnail,.single-post .entry-thumbnail,.single-post .post-thumbnail{display:none!important}#ez-toc-container{display:none!important}<\/style>\n<p><script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[\n{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.assur360.ca\/\"},\n{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Blog\",\"item\":\"https:\/\/www.assur360.ca\/blog\/\"},\n{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Assurance auto\",\"item\":\"https:\/\/www.assur360.ca\/blog\/assurance\/auto\/\"},\n{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Voitures les plus vol\u00e9es Qu\u00e9bec 2026\"}]}\n<\/script><\/p>\n<p><\/p>\n<p><script type=\"application\/ld+json\">\n{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[\n{\"@type\":\"Question\",\"name\":\"Quels v\u00e9hicules sont les plus vol\u00e9s au Qu\u00e9bec en 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Selon \u00c9quit\u00e9 Association, le Toyota RAV4 arrive en t\u00eate, suivi du Honda CR-V, de la Honda Civic et du Dodge Ram 1500. Ce sont les mod\u00e8les les plus pris\u00e9s des r\u00e9seaux exportant via le Port de Montr\u00e9al.\"}},\n{\"@type\":\"Question\",\"name\":\"Combien peut augmenter ma prime si je poss\u00e8de un RAV4 ou CR-V?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La surprime vol appliqu\u00e9e sur les mod\u00e8les \u00e0 haut risque en 2026 varie de 8% \u00e0 15%, selon l'assureur, la ville et le stationnement. \u00c0 Montr\u00e9al ou Laval, l'\u00e9cart peut d\u00e9passer 400$ par ann\u00e9e compar\u00e9 \u00e0 un mod\u00e8le \u00e9quivalent moins vol\u00e9.\"}},\n{\"@type\":\"Question\",\"name\":\"Une bo\u00eete Faraday r\u00e9duit-elle vraiment le risque?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. La bo\u00eete Faraday bloque les ondes radio \u00e9mises par la cl\u00e9 sans fil et emp\u00eache l'attaque par relais utilis\u00e9e dans plus de 60% des vols r\u00e9cents. C'est le geste pr\u00e9ventif le plus \u00e9conomique \u2014 moins de 30$.\"}},\n{\"@type\":\"Question\",\"name\":\"Puis-je obtenir un rabais avec un antid\u00e9marreur?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Oui. Un antid\u00e9marreur homologu\u00e9 DGT-90 ou \u00e9quivalent donne droit \u00e0 un rabais de 3% \u00e0 10% chez la plupart des assureurs qu\u00e9b\u00e9cois. Le rabais compense g\u00e9n\u00e9ralement le co\u00fbt d'installation en 2 \u00e0 3 ans.\"}},\n{\"@type\":\"Question\",\"name\":\"Un traceur GPS est-il obligatoire pour assurer un v\u00e9hicule \u00e0 risque?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Depuis 2024, certains assureurs (dont Intact et Belair) refusent ou surchargent lourdement la prime sur les RAV4, CR-V et Range Rover non \u00e9quip\u00e9s d'un GPS actif. V\u00e9rifiez \u00e0 la souscription \u2014 c'est parfois une condition non n\u00e9gociable.\"}},\n{\"@type\":\"Question\",\"name\":\"Qui prend en charge les frais si le v\u00e9hicule est retrouv\u00e9 endommag\u00e9?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La protection Comprehensive (Chapitre 2) de votre police auto couvre le vol et la r\u00e9cup\u00e9ration, incluant les dommages caus\u00e9s durant l'\u00e9v\u00e9nement, moins la franchise (souvent 500 \u00e0 1 000$).\"}},\n{\"@type\":\"Question\",\"name\":\"Ma police standard couvre-t-elle un v\u00e9hicule pr\u00eat\u00e9 \u00e0 un ami?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"G\u00e9n\u00e9ralement oui pour un usage occasionnel, mais l'avenant FAQ 27 couvre plus largement les v\u00e9hicules pr\u00eat\u00e9s, emprunt\u00e9s ou lou\u00e9s. \u00c0 valider avec votre courtier avant de pr\u00eater votre auto.\"}},\n{\"@type\":\"Question\",\"name\":\"Comment magasiner une nouvelle prime auto rapidement?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un courtier comme Assur360 interroge 10+ assureurs en une seule soumission. Il faut 3 minutes pour obtenir une comparaison, sans engagement. La d\u00e9marche est gratuite et sans impact sur votre dossier.\"}}]}\n<\/script><\/p>\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border-radius:16px;padding:56px 32px;text-align:center;margin-bottom:32px;\">\n<p style=\"color:#10c4c7;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin:0 0 12px;\">Assur360 Alert \u00b7 July 2026<\/p>\n<h1 style=\"color:#fff;font-size:2.4rem;line-height:1.1;font-weight:800;margin:0 0 20px;max-width:820px;margin-left:auto;margin-right:auto;\"><span class=\"ez-toc-section\" id=\"Your-RAV4-CR-V-or-Highlander-is-on-the-list-of-the-most-stolen-cars-in-Quebec\"><\/span>Your RAV4, CR-V or Highlander is on the list of the most stolen cars in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<p style=\"color:#94a3b8;font-size:1.15rem;max-width:680px;margin:0 auto 28px;\">What your insurer doesn&#8217;t tell you \u2014 and 3 concrete actions to avoid the 15% surcharge in 2026.<\/p>\n<p><a href=\"https:\/\/www.assur360.ca\/soumission-assurance-auto\/\" style=\"background:#10c4c7;color:#fff;padding:14px 40px;border-radius:30px;text-decoration:none;font-weight:700;font-size:16px;display:inline-block;\">Compare my premium in 3 minutes<\/a>\n<\/div>\n<div style=\"display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:24px 0 48px;text-align:center;\">\n<div style=\"padding:20px 12px;\">\n<div style=\"font-size:2rem;font-weight:800;color:#10c4c7;\">1st<\/div>\n<div style=\"font-size:.85rem;color:#64748b;margin-top:6px;\">Toyota RAV4 \u00b7 most stolen vehicle QC<\/div>\n<\/div>\n<div style=\"padding:20px 12px;\">\n<div style=\"font-size:2rem;font-weight:800;color:#10c4c7;\">+15%<\/div>\n<div style=\"font-size:.85rem;color:#64748b;margin-top:6px;\">Possible premium increase in 2026<\/div>\n<\/div>\n<div style=\"padding:20px 12px;\">\n<div style=\"font-size:2rem;font-weight:800;color:#10c4c7;\">60%<\/div>\n<div style=\"font-size:.85rem;color:#64748b;margin-top:6px;\">Relay Attack Thefts<\/div>\n<\/div>\n<div style=\"padding:20px 12px;\">\n<div style=\"font-size:2rem;font-weight:800;color:#10c4c7;\">$30<\/div>\n<div style=\"font-size:.85rem;color:#64748b;margin-top:6px;\">Cost of a Faraday Box<\/div>\n<\/div>\n<\/div>\n<p>If you drive a <strong>Toyota RAV4<\/strong>, <strong>Honda CR-V<\/strong>, <strong>Honda Civic<\/strong> or <strong>Dodge Ram 1500<\/strong>, 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 \u2014 and your insurers are starting to adjust their premiums accordingly. <\/p>\n<p>Here&#8217;s what most owners don&#8217;t know \u2014 and more importantly, what an <a href=\"\/courtiers-en-assurance-quebec\/\">AMF-licensed<\/a> broker recommends to limit the damage.<\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The-2026-List-The-10-Most-Stolen-Vehicles-in-Quebec\"><\/span>The 2026 List: The 10 Most Stolen Vehicles in Quebec<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"background:#f8fafc;border-left:4px solid #10c4c7;padding:24px 28px;margin:24px 0;border-radius:0 12px 12px 0;\">\n<ol style=\"margin:0;padding-left:24px;line-height:1.9;\">\n<li><strong>Toyota RAV4<\/strong> \u2014 Target 1, Massive Export<\/li>\n<li><strong>Honda CR-V<\/strong> \u2014 average premium 12%<\/li>\n<li><strong>Honda Civic<\/strong> \u2014 frequent relay attack theft<\/li>\n<li><strong>Dodge Ram 1500<\/strong> \u2014 Canada&#8217;s Most Stolen Pickup<\/li>\n<li><strong>Toyota Highlander<\/strong> \u2014 new to the 2026 list<\/li>\n<li><strong>Ford F-150<\/strong> \u2014 Series 2015 to 2020 in particular<\/li>\n<li><strong>Lexus RX 350<\/strong> \u2014 Most Targeted Luxury<\/li>\n<li><strong>Jeep Grand Cherokee<\/strong><\/li>\n<li><strong>Range Rover Sport<\/strong> \u2014 GPS requirement at most insurers<\/li>\n<li><strong>Chevrolet Silverado 1500<\/strong><\/li>\n<\/ol>\n<\/div>\n<p><img decoding=\"async\" src=\"https:\/\/spcdn.shortpixel.ai\/spio\/ret_img,q_cdnize,to_auto,s_webp:avif\/www.assur360.ca\/wp-content\/uploads\/2026\/07\/voitures-volees-quebec-rav4_inline.png\" alt=\"Cl\u00e9 de voiture avec \u00e9tui noir sur une table en bois pr\u00e8s d&#039;une fen\u00eatre.\" style=\"width:100%;max-width:900px;display:block;margin:32px auto;border-radius:16px;\"  > <\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why-Your-Premium-Will-Go-Up-Even-Without-Being-Stolen\"><\/span>Why Your Premium Will Go Up (Even Without Being Stolen)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Insurers adjust their rates based on the <em>aggregate risk<\/em> by model. If the RAV4 theft rate increases by 20% in a region, all RAV4 owners in Ontario and Quebec experience an increase \u2014 even those who have never had a claim. In 2026:  <\/p>\n<ul>\n<li><strong>&#8220;Vehicle at Risk&#8221; surcharge<\/strong> \u2014 8% to 15% at Intact, Belair, TD Insurance, The Cooperators.<\/li>\n<li><strong>Increased theft deductible<\/strong> \u2014 often increases from $500 to $1,000 for models at the top of the list.<\/li>\n<li><strong>Anti-theft requirement<\/strong> \u2014 active GPS tracker <em>mandatory<\/em> by many insurers on post-2018 RAV4, CR-V, Range Rover.<\/li>\n<\/ul>\n<div style=\"background:#fef2f2;border:2px solid #ef4444;padding:24px 28px;margin:24px 0;border-radius:12px;\">\n<p style=\"margin:0;color:#7f1d1d;\"><strong>\u26a0\ufe0f Be careful:<\/strong> many homeowners only find out about the surcharge at renewal \u2014 too late to shop around. Check your policy <em>now<\/em>, not in November. <\/p>\n<\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3-concrete-actions-to-protect-your-vehicle-and-your-premium\"><\/span>3 concrete actions to protect your vehicle (and your premium)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin:24px 0;\">\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:0 0 12px 12px;\">\n<div style=\"width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:16px;\">1<\/div>\n<h3 style=\"margin:0 0 12px;font-size:1.15rem;\">Faraday Box for Keys<\/h3>\n<p style=\"margin:0;color:#475569;font-size:.95rem;\">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.  <\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:0 0 12px 12px;\">\n<div style=\"width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:16px;\">2<\/div>\n<h3 style=\"margin:0 0 12px;font-size:1.15rem;\">Approved ignition interlock device<\/h3>\n<p style=\"margin:0;color:#475569;font-size:.95rem;\">A DGT-90 ignition interlock device or equivalent gives a discount of 3% to 10% with most insurers \u2014 and the installation cost ($150 to $400) is amortized in 2 to 3 years.<\/p>\n<\/div>\n<div style=\"background:#f8fafc;border-top:4px solid #10c4c7;padding:24px;border-radius:0 0 12px 12px;\">\n<div style=\"width:36px;height:36px;background:#10c4c7;color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:16px;\">3<\/div>\n<h3 style=\"margin:0 0 12px;font-size:1.15rem;\">GPS tracker with subscription<\/h3>\n<p style=\"margin:0;color:#475569;font-size:.95rem;\">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. <\/p>\n<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"A-Port-That-Weighs-Heavy-Montreal-a-Hub\"><\/span>A Port That Weighs Heavy: Montreal, a Hub<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Since 2022, the Port of Montreal has been identified as the main export point for stolen vehicles in Canada. Authorities estimate that more than <strong>12,000 vehicles<\/strong> left the country via sea containers in 2024. This geographic reality explains why <strong>Montreal<\/strong>, <strong>Laval<\/strong>, <strong>Longueuil<\/strong>, <strong>Brossard<\/strong>, <strong>Saint-Laurent<\/strong>, <strong>Terrebonne<\/strong>, <strong>Repentigny<\/strong> and <strong>Boucherville<\/strong> have the highest theft rates in Quebec \u2014 and the most significant additional premiums.  <\/p>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What-a-broker-can-do-for-you\"><\/span>What a broker can do for you<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"background:#f0fdfa;border-radius:12px;padding:28px 32px;margin:24px 0;\">\n<h3 style=\"margin:0 0 16px;color:#0d1f2d;\">The Assur360 advantage in 3 points<\/h3>\n<ul style=\"margin:0;padding-left:24px;line-height:1.9;color:#134e4a;\">\n<li>\u2713 <strong>Comparison of 10+ AMF licensed insurers<\/strong> in a single quote<\/li>\n<li>\u2713 <strong>Negotiation of anti-theft discounts<\/strong> according to your equipment (Faraday, DGT-90, GPS)<\/li>\n<li>\u2713 <strong>Supporting 100,000+ clients<\/strong> since 1997 \u2014 supervised by <a href=\"https:\/\/chambreassurance.ca\" rel=\"nofollow noopener\">the Chambre de l&#8217;assurance<\/a><\/li>\n<\/ul>\n<\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently-asked-questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;padding:0;margin:12px 0;\">\n<summary style=\"padding:20px 24px;background:#f8fafc;cursor:pointer;font-weight:600;list-style:none;\">Is the theft of my RAV4 covered by my standard policy?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;\">Yes, if you have purchased Comprehensive coverage (Chapter 2 of the auto policy). Without it, theft is not covered. Check your Chapter 2 first.  <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;padding:0;margin:12px 0;\">\n<summary style=\"padding:20px 24px;background:#f8fafc;cursor:pointer;font-weight:600;list-style:none;\">How much does a GPS car tracker cost?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;\">Between $250 (initial installation) and $15\/month for the tracking subscription. Vigilance Auto, Tag and Boomerang are the three dominant brands in Quebec. <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;padding:0;margin:12px 0;\">\n<summary style=\"padding:20px 24px;background:#f8fafc;cursor:pointer;font-weight:600;list-style:none;\">Can the insurer refuse to insure my RAV4?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;\">Rare, but possible for some direct drivers if your profile combines multiple risk factors (young driver, outdoor parking in Montreal, no lock). A broker has more leeway thanks to its 10+ partner marketplaces. <\/div>\n<\/details>\n<details style=\"border:1px solid #e2e8f0;border-radius:12px;padding:0;margin:12px 0;\">\n<summary style=\"padding:20px 24px;background:#f8fafc;cursor:pointer;font-weight:600;list-style:none;\">Do I have to declare parking (garage vs. street)?<\/summary>\n<div style=\"padding:20px 24px;color:#475569;\">Yes, it is a material statement. Parking in a private garage gives a discount of 5\u20138% compared to the street. False declaration = possible cancellation.  <\/div>\n<\/details>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Go-further\"><\/span>Go further<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px;margin:24px 0;\">\n<a href=\"https:\/\/www.assur360.ca\/blog\/assurance\/auto\/remboursement-saaq-2026-permis-magasiner-assurance-auto-quebec\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:inherit;\"><\/p>\n<div style=\"font-size:.75rem;color:#10c4c7;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:8px;\">Related article<\/div>\n<div style=\"font-weight:700;color:#0d1f2d;\">2026 SAAQ: 75% License Refund + Shopping Insurance<\/div>\n<p><\/a><br \/>\n<a href=\"https:\/\/www.assur360.ca\/blog\/assurance\/auto\/comparaison-7-assureurs-auto-quebec-2026-experience-courtier\/\" style=\"display:block;padding:20px 24px;background:#f8fafc;border:1px solid #e2e8f0;border-radius:12px;text-decoration:none;color:inherit;\"><\/p>\n<div style=\"font-size:.75rem;color:#10c4c7;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:8px;\">Related article<\/div>\n<div style=\"font-weight:700;color:#0d1f2d;\">I compared 7 car insurers Quebec 2026: difference of $400<\/div>\n<p><\/a>\n<\/div>\n<div style=\"background:linear-gradient(135deg,#0d1f2d 0%,#1a3a4a 100%);border-radius:16px;padding:48px 32px;text-align:center;margin-top:48px;\">\n<h2 style=\"color:#fff;font-size:1.8rem;margin:0 0 12px;\"><span class=\"ez-toc-section\" id=\"Is-your-RAV4-too-expensive-to-insure\"><\/span>Is your RAV4 too expensive to insure?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"color:#94a3b8;margin:0 0 28px;\">3 minutes to compare 10+ insurers. No strings attached. <\/p>\n<p><a href=\"https:\/\/www.assur360.ca\/soumission-assurance-auto\/\" style=\"background:#10c4c7;color:#fff;padding:14px 40px;border-radius:30px;text-decoration:none;font-weight:700;font-size:16px;display:inline-block;margin:0 8px 12px;\">Free quote<\/a><br \/>\n<a href=\"tel:1-866-357-4451\" style=\"background:transparent;color:#fff;padding:14px 40px;border-radius:30px;text-decoration:none;font-weight:700;font-size:16px;display:inline-block;border:2px solid #fff;margin:0 8px;\">1-866-357-4451<\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>RAV4, CR-V, Civic, Ram 1500 lead the 2026 flights. Premium increase of up to 15%. Faraday box, immobilizer, GPS. Compare at Assur360.   <\/p>\n","protected":false},"author":49,"featured_media":84997,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Most stolen cars in Quebec 2026: RAV4, CR-V, Civic \u2014 theft surcharge","_seopress_titles_desc":"RAV4, CR-V, Civic, Ram 1500 lead the 2026 flights. Premium increase of up to 15%. Faraday box, immobilizer, GPS. 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