CAA Ontario High Theft Risk Surcharge Update July 2026

This CAA Insurance Update to the High Theft Risk Premium Surcharge for automobile policies in Ontario, effective July 1, 2026. The update targets vehicles from the 2022 model year or newer, citing the immense financial burden of auto theft in Canada as the primary reason for these costs. Key changes include adding specific Acura, Lexus, and Toyota models to the high-risk list, while the Dodge RAM 1500 has been removed from this category.
 
 

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