25 Used Cars That Quietly Became Uninsurable in Canada

35,000+ smart investors are already getting financial news, market signals, and macro shifts in the economy that could impact their money next with our FREE weekly newsletter. Get ahead of what the crowd finds out too late. Click Here to Subscribe for FREE.

Over the last few years, many used cars have developed a reputation with Canadian insurers: Frequent theft, exporter demand, and costly claims. Industry data from Équité Association’s national theft reporting and insurer advisories consistently cite models like the Toyota Highlander, Lexus RX, and Ram 1500 among the highest-risk vehicles. Here are 25 used cars that quietly became uninsurable in Canada.

Toyota Highlander (2019–2023)

The Highlander topped national theft charts, driving insurer risk responses: Higher premiums, surcharges, and frequent requirements for approved tracking (e.g., TAG) before comprehensive coverage or renewal. Aggregated lists from Équité Association and insurance marketplaces put the Highlander at or near #1 nationally for 2023 thefts; consumer advisories note that some insurers refuse certain high-theft models or add $300–$500 surcharges that are removable only with anti-theft installation. In high-theft postal codes, owners report limited quotes or liability-only offers.

Lexus RX (2019–2023)

The RX series is consistently flagged among Canada’s most-stolen vehicles, with theft rates that triggered insurer countermeasures. Brokers and insurers promote TAG/Domino tracking and etched glass as prerequisites or discounts, and marketplace data shows elevated comprehensive premiums versus comparable luxury crossovers. Media and insurer advisories describe surcharge programs for “high theft” models, with removal conditional on approved anti-theft gear. For used RX shoppers, the practical impact is fewer willing insurers at standard rates and heavier underwriting in Ontario and Quebec metro areas.

Dodge Ram 1500 (2019–2023)

Ram 1500 models rank near the top of national theft lists and have been targeted for export. Insurers reacted with pricing and availability controls. Owners report surcharges or conditions at renewal, and marketplace comparisons show meaningfully higher comprehensive charges versus rivals. Some shops will not bind comprehensive coverage without proof of a tracking device, while others quote liability-only when risk tolerance is exceeded. Theft-related insurer payouts rose sharply across Canada through 2023, fueling these measures. The Ram remains a risk-priced outlier.

Honda CR-V (2019–2021)

The CR-V has spent years on the “most stolen” lists, which translates into premium loadings, anti-theft requirements, and occasional coverage refusals tied to location. Ontario media and brokers report cases where insurers refuse certain high-theft models in specific markets; others tack on surcharges until an approved device is installed. If you’re buying used, confirm not just price but insurability; quotes can swing widely by postal code, parking, and anti-theft status.

Toyota RAV4 (2019–2021)

RAV4 theft growth put it on Quebec and national lists, adding friction to insurance placement. Carriers and brokers increasingly suggest recovery tech—TAG is commonly referenced—as a condition for comprehensive coverage or as a way to unlock discounts offsetting steep baseline premiums for this model. Regional data indicates that Quebec and Ontario drove much of the previous theft surge, which explains the stricter underwriting in those markets. Although claims frequency has eased in 2025, used RAV4s still face elevated risk profiling.

Jeep Wrangler (2020–2023)

Wrangler’s popularity and strong overseas demand place it on multiple theft lists, which raises its insurance hurdle. Market reports list Wrangler in Canada’s top stolen models for 2023, and brokers note common use of surcharges and anti-theft conditions. Buyers often find quotes that assume a tracking device; without one, either the price jumps or comprehensive is limited. If you commute and park in a high-theft area, shop insurers early to avoid post-purchase surprises.

Land Rover Range Rover/Range Rover Sport (2018–2022)

Range Rover models are theft magnets and, anecdotally, can be harder to insure at sane rates; some owners face few willing markets and sky-high comprehensive pricing. In Canada, insurers and brokers prominently push TAG/Domino solutions for high-end SUVs, reflecting their risk posture. While UK-focused reports of outright refusals aren’t directly transferable to Canada, Canadian brokers still flag intensive underwriting and frequent device requirements for JLR SUVs in larger cities.

Chevrolet/GMC Suburban–Tahoe–Yukon Family (2021–2023)

GM’s full-size SUVs climbed theft lists, triggering insurer responses: higher base rates, surcharges, and tracking requirements. National lists and insurer advisories show these models among the most targeted; several Canadian insurers highlight TAG partnerships and potential rebates, which is a hint that quotes without mitigation will be steep or limited. Used buyers should pencil in tracking install costs and verify if their chosen insurer mandates it before binding.

Ford F-150 (2018–2022)

Canada’s best-selling pickup is a perennial theft target. Insurers apply model-specific loadings in many markets; some add a “high-theft” surcharge at renewal that can be waived with approved anti-theft tech. Marketplace analyses and insurer blogs document this pattern across Canadian provinces. For used shoppers, the key is to gather multiple quotes and ask directly about device requirements, parking, and postal code will influence the outcome.

Ford F-250/F-350 (Super Duty) (2006–2018)

Older Super Duty trucks appear high on provincial theft tables (notably Alberta), keeping insurance placement tricky in some regions. Although they’re not as commonly owned as F-150s, the theft frequency relative to the insured base drives premium and availability pressure. Rural ownership helps, but urban markets still see stiff pricing and demands for anti-theft measures. Check provincial theft rankings and ask brokers about the appetite for these years before purchase.

Jeep Grand Cherokee (2017–2021)

The Grand Cherokee is well-documented on Ontario and Quebec theft reports, particularly higher trims with advanced infotainment and keyless systems. That persistent ranking means many insurers apply tighter underwriting rules. In high-theft postal codes, quotes often include a surcharge or outright demand for an approved tracking system like TAG before comprehensive coverage is offered. Brokers advise shopping early, as not all carriers are willing to take on this risk. Buyers should consider the cost of anti-theft tech as part of ownership.

Toyota Tacoma (2016–2021)

The Tacoma’s strong resale value, durability, and demand abroad have contributed to steady theft rates. Ontario theft tables place it among pickups with above-average claims frequency, which triggers insurer caution. Prospective owners may encounter conditional offers that require VIN-specific tracking before full coverage is bound. Costs for approved devices and installation can be substantial, so it’s worth factoring them into the purchase budget.

Honda Accord (2018–2021)

The Accord’s consistent appearance in theft statistics, driven by demand for parts, has influenced insurance pricing. Some carriers offer coverage but with surcharges on comprehensive coverage until anti-theft measures are in place. In urban Ontario and Quebec, brokers report rate differences of hundreds of dollars annually compared to less-targeted sedans. While outright refusals are rare, the added cost and conditions can surprise buyers. Verifying an insurer’s appetite for specific trims and years before purchase helps avoid costly surprises at renewal time.

Honda Civic (2016–2019)

The Civic remains one of the most stolen vehicles in Canada, primarily because of its massive presence on the road and a thriving parts market. Insurers use theft data to justify higher comprehensive rates, sometimes paired with discounts if owners install approved recovery systems. While availability of coverage isn’t usually the problem, cost can be. Quotes vary widely by region, parking situation, and trim. Buyers should compare multiple insurers, as some specialize in high-theft models and offer better terms.

Toyota Tundra (2018–2021)

The Tundra’s strong export appeal and higher-than-average theft rates have pushed insurers to price it with caution. Dealers and industry groups have flagged repeated theft incidents, particularly in Ontario. For some carriers, installation of a recovery device is mandatory before comprehensive coverage is activated. Premiums can exceed those of similarly priced trucks without the same theft record. Buyers looking at used Tundras should request quotes from multiple brokers to find one with reasonable terms.

Acura RDX (2019–2021)

The Acura RDX appears regularly in Quebec theft rankings, drawing insurer scrutiny. In theft-prone postal codes, some insurers will only write comprehensive if proof of an approved tracking system is provided. The model’s premium positioning and parts compatibility with other Honda/Acura vehicles make it an attractive theft target. Buyers outside urban theft hot spots may see less of an impact, but premiums still tend to run higher than for comparable luxury crossovers without similar theft exposure.

Hyundai Tucson (2019–2021)

Although equipped with immobilizers in Canada, the Tucson still shows up in Quebec’s high-theft data, leading insurers to classify it as elevated risk in those markets. Comprehensive premiums can be noticeably higher than for similar compact SUVs without theft listings. Some carriers offer discounts for anti-theft devices, but may still charge higher premiums in higher-risk areas. Buyers should compare quotes across multiple providers and note whether location-specific data influences rates before committing to a used Tucson.

Kia Sportage (2019–2021)

The Kia Sportage shares platform similarities with the Tucson and appears on Quebec’s theft rankings, prompting similar insurer responses. Comprehensive premiums tend to be higher in markets where theft incidents are more frequent. Some carriers recommend or require installation of a recovery device to reduce risk and qualify for better rates. While coverage is usually available, the cost can be unexpectedly high for a compact crossover. Prospective buyers should confirm the exact impact on premiums before purchasing.

Chevrolet Silverado 1500 (2006–2018)

Older Silverado 1500 models are frequent theft targets in provincial reports. In many cases, insurers see them as high risk because of parts demand and their popularity among thieves. Owners in urban Ontario and Quebec often face higher premiums or anti-theft device requirements. Those parking outside or lacking secure storage may see additional surcharges. Coverage is generally possible but not always affordable.

GMC Sierra 1500 (2006–2018)

The Sierra 1500’s theft profile closely mirrors that of the Silverado, leading insurers to treat it similarly. In higher-risk regions, owners may encounter surcharges on comprehensive coverage or be told to install a tracking system before coverage is approved. Rural owners sometimes avoid the highest costs, but urban drivers, particularly in Ontario and Quebec, see significant rate differences. Obtaining multiple quotes and confirming insurer conditions in advance is crucial to budgeting realistically for this truck’s ownership.

Chevrolet Silverado 2500 / GMC Sierra 2500 (1999–2007)

These heavy-duty GM trucks have a strong market for parts, which keeps theft rates up even for older models. In Alberta and certain Ontario regions, they appear on theft lists, and insurers often respond with high premiums relative to vehicle value. Some carriers recommend increased deductibles alongside tracking systems as a compromise. Given the trucks’ age, owners may question the value of comprehensive coverage at all, opting instead for liability-only policies to control costs.

Jeep Wrangler 4xe (2021–2023)

The plug-in hybrid Wrangler variant inherits the theft appeal of its gasoline siblings, particularly in export markets. Theft data groups Wranglers together, meaning 4xe owners face similar insurance hurdles: surcharges, tracking requirements, and fewer competitive quotes in urban centres. Some insurers may offer rate breaks for approved recovery tech, but availability without it can be limited. Buyers interested in this model should secure insurance quotes before finalizing a purchase to avoid unexpected conditions or premium spikes.

Toyota Grand Highlander (2024 carry-over risk for used examples)

Although a newer model, the Grand Highlander’s connection to the regular Highlander, one of Canada’s most stolen vehicles, has drawn early insurer attention. Some carriers treat it with the same caution, requiring tracking devices or applying theft surcharges in certain regions. As more used units enter the market, insurance pricing patterns are emerging that mirror those of the Highlander. Buyers should assume similar anti-theft requirements and confirm binding quotes before completing a purchase to avoid post-sale surprises.

Chevrolet Tahoe (2021–2023)

The Tahoe’s inclusion in Canada’s high-theft GM SUV category means insurers often start quotes with a surcharge or tracking condition. Partnerships with recovery tech providers, such as TAG, are marketed by several insurers as a way to lower premiums, but without such devices, rates can be steep. Urban owners tend to face the most scrutiny, while rural buyers sometimes see more lenient pricing. It’s best to request multiple quotes with and without anti-theft installations to compare real costs.

Toyota Highlander Hybrid (2020–2023)

The hybrid variant of the Highlander shares the same theft risk as the gasoline version, and insurers treat them nearly identically. Theft reports list both models together, keeping premiums high in targeted regions. Some carriers offer coverage only if anti-theft requirements are met, while others build a surcharge into the base rate. Even in lower-theft regions, premiums may be higher than for other hybrids in the same size class. Buyers should confirm availability and exact costs before purchasing.

21 Products Canadians Should Stockpile Before Tariffs Hit

If trade tensions escalate between Canada and the U.S., everyday essentials can suddenly disappear or skyrocket in price. Products like pantry basics and tech must-haves that depend on are deeply tied to cross-border supply chains and are likely to face various kinds of disruptions

21 Products Canadians Should Stockpile Before Tariffs Hit

This Options Discord Chat is The Real Deal

While the internet is scoured with trading chat rooms, many of which even charge upwards of thousands of dollars to join, this smaller options trading discord chatroom is the real deal and actually providing valuable trade setups, education, and community without the noise and spam of the larger more expensive rooms. With a incredibly low-cost monthly fee, Options Trading Club (click here to see their reviews) requires an application to join ensuring that every member is dedicated and serious about taking their trading to the next level. If you are looking for a change in your trading strategies, then click here to apply for a membership.