
12 Ways to Save on Car Insurance in Ontario
Let’s face it—car insurance in Ontario isn’t cheap. We pay some of the highest premiums in the country, and for many drivers, it feels like...
Auto theft in Ontario has escalated to a national crisis, and in 2025, certain vehicles are once again being targeted. But unlike 2010, it’s no longer older Civics and Escalades topping the charts. Today’s thieves are highly organized, equipped with sophisticated technology, and focused on high-value targets; they can move quickly, often out of the country.
In this article, we break down the top 10 most stolen vehicles in Ontario in 2025, reveal why these models are prime targets, and explain how theft data influences your insurance premiums. Whether you’re driving one of this year’s most targeted SUVs or a less flashy sedan, we’ll also show you how to protect your car and your wallet.
Auto theft isn’t just a police problem—it’s a consumer issue that directly impacts your insurance rates, your vehicle’s resale value, and your daily peace of mind. Understanding why certain cars are targeted and how insurers respond can help you become a more informed and more competent driver.
If your car is frequently stolen, whether it’s this year or historically, insurance companies take note. Vehicles with high theft rates can trigger higher comprehensive insurance premiums, even if your risk is low.
Knowing which models are theft magnets allows you to plan proactively. That could mean avoiding a particular trim line, investing in enhanced anti-theft tech, or choosing a less targeted vehicle.
Many drivers are unaware that their car is a top target for theft until it’s too late. Theft data helps you understand your risk profile, enabling you to make informed decisions about your coverage and deductible.
Data drives regulation. The auto theft crisis in Ontario has prompted new policies, increased law enforcement budgets, and more aggressive international cooperation to stop vehicles from being smuggled out of Canada.
Based on data from Équité Association and provincial crime statistics, here are the top 10 most stolen vehicles in Ontario this year:
A consistent target due to high resale value and a lack of effective anti-theft tech. Thieves use relay attacks to intercept key fob signals and can drive away in under two minutes.
Luxury, popularity, and vulnerability all rolled into one. The RX is frequently exported overseas and is often stolen from residential driveways using cloned fobs.
Canada’s most popular truck is also one of the most stolen. Organized crime rings target F-150s for parts and export, notably higher trims such as the Lariat or Platinum.
A quiet family SUV with a loud presence in theft reports. Its innovative key system has been consistently bypassed using low-cost signal amplifiers.
Large, powerful, and in demand—especially for rural theft operations. Rams are stolen both for parts and resale, often to buyers in the U.S. or the Middle East.
Compact SUV, big target. The RAV4 is desirable for both its resale value and low-tech vulnerabilities. Newer models still struggle with FOB spoofing protection.
The Civic remains a thief favourite even after all these years. Though no longer topping the charts, its popularity and modifiable nature keep it on the list.
High-end and high-risk. Range Rovers are among the fastest stolen and exported luxury vehicles in Ontario. Many owners report that they are gone within minutes of parking.
Stylish, powerful, and relatively easy to steal with keyless entry manipulation. Its resale market and perceived toughness make it a regular target.
The Silverado closes out the list as another high-demand truck targeted for theft. Despite the introduction of newer security systems, it remains vulnerable to signal cloning and CAN injection tools.
There’s a reason these specific vehicles consistently appear on theft reports. From outdated tech to lucrative parts markets, several common factors made them especially vulnerable. Understanding these vulnerabilities helps explain why they were high-value targets.
Many of these cars utilize passive entry systems and keyless start features, which are vulnerable to “relay attacks” or CAN injection devices. Without aftermarket immobilizers or tracking devices, they’re easy targets.
These cars fetch strong prices in both domestic black markets and international export channels, especially SUVs and trucks shipped to Africa, Eastern Europe, and the Middle East.
Once stolen, many of these vehicles are stripped, altered, or exported within 24 hours. The chances of recovery are slim, driving up insurance losses.
The more popular the car, the more common the parts—and the higher the demand in chop shops. Civic, CR-V, and RAV4 parts are always in demand.
Even if your vehicle isn’t on this list, theft trends can still affect how much you pay (and how you’re covered). Insurance companies factor in theft risk when setting rates and offering coverage options. Here’s how that could impact your premiums, policy terms, and claim experience.
If you drive one of these makes and models—even today—your insurer may rate you higher under comprehensive coverage. Some vehicles carry theft surcharges or require proof of installed security devices.
Comprehensive insurance is the part of your policy that covers vehicle theft. If you opt out to save money, you’re not protected if your car is stolen.
Installing an alarm, GPS tracker, or kill switch may qualify you for a discount. Some insurers offer premium reductions for proactive anti-theft measures.
If your car is stolen:
In 2010, auto theft was primarily low-tech—broken windows, hot-wired ignitions, and abandoned vehicles. By 2025, it’s cybercrime. Thieves use devices that bypass factory security, disable GPS, and transmit key fob codes from inside your home.
What’s worse? Many stolen vehicles are never seen again. They’re either in containers at the Port of Montreal or have already been sold on international black markets.
As a result, Ontario insurers have:
Theft may be on the rise, but that doesn’t mean you’re powerless. At Regal Insurance, we work with drivers across Ontario to stay one step ahead. Whether you drive a CR-V, F-150, or anything in between, we’ll help you:
Worried about your vehicle being on this year’s list? Contact one of our licensed brokers today by phone or message. We’ll walk you through your options, help you save on premiums, and make sure you’re never caught off guard.
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