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Équité's 2024 data shows Honda Civic, Ford F-150, Honda CR-V, Ram 1500, and Silverado/Sierra all appear in 3+ regional top 10 lists. A cross-region read of which vehicles carry consistent national risk versus regional concentration, and what it means for cross-province vehicle purchases.
The Équité Association 2024 release covers Canada nationally plus four regions (Alberta, Atlantic, Ontario, Quebec) — British Columbia, Manitoba, and Saskatchewan did not meet Équité's disclosure threshold. Across the four disclosed regions, 11 vehicles appear in at least one top 10 list. Five of them appear in 3 or more regions: Honda CR-V (3), Ford F-150 (4), Honda Civic (4), Ram 1500 (4), and Silverado/Sierra 1500/2500 (4). For Canadian drivers buying or moving across provinces, this cross-region pattern is the most actionable signal: which vehicles carry consistent national risk versus which are concentrated in a single market.
Honda CR-V 2016-2021 appears in 3 regions (CA, ON, QC), with rates ranging from 1.00% (Ontario) to 4.85% (Quebec). Ford F-150 2015-2020 appears in 4 regions, with rates from 0.09% (Atlantic) to 0.82% (Quebec). Honda Civic 2016-2021 appears in 4 regions, with rates from 0.10% (Atlantic) to 0.39% (Quebec). Ram 1500 2009-2018 appears in 4 regions, with rates from 0.10% (Ontario) to 0.29% (Alberta). Chevrolet/GMC Silverado-Sierra 1500/2500 appears in 4 regions, with rates from 0.10% (Atlantic) to 1.18% (Alberta 2500).
The pattern is that the top theft-rate combinations are regional, not national. The 4.85% Quebec CR-V rate is far higher than the 1.00% Ontario rate, and the 9.40% Ontario Lexus RX rate has no equivalent in Quebec. The cross-region model list is dominated by high-volume, modest-rate vehicles like F-150, Civic, and Ram, which appear in many regions because their absolute theft counts are large enough to clear the top 10 threshold everywhere.
Some vehicles are concentrated in a single market. Ford F-350 1997-2007 (3.85% theft rate) appears only in Alberta — it is the Alberta top 10 leader but does not clear the threshold in Ontario or Quebec. Land Rover Range Rover Sport 2015-2021 (4.20%) appears only in Ontario. Honda Pilot 2016-2021 (2.20%) and Acura RDX 2019-2021 (2.50%) appear only in Quebec. Lexus RX 2016-2021 (9.40% in Ontario, 6.40% nationally) appears in two regions but not Quebec.
For cross-province vehicle purchases, the regional-specialist pattern is the most actionable. If you are moving from Ontario to Quebec, a Lexus RX 2018-2021 you bought in Toronto will not have the same theft-based premium in Quebec (because the Quebec rate is far lower), but a Honda Pilot 2018 you buy in Quebec will not have the same theft exposure in Ontario (because it is not in the Ontario top 10). The 2024 data is the most concrete reference for cross-province vehicle pricing.
Three practical takeaways. First, if you are buying a vehicle in one province and moving to another, get a quote in the destination province before you commit. The same vehicle can have materially different comprehensive premiums across provinces, especially in the SUV and luxury segments. Second, the Atlantic region has the lowest theft rates of the four disclosed regions (0.09% to 0.17% on top 10 vehicles), so vehicles purchased there have the lowest theft-based surcharges. Third, for the cross-region model list (CR-V, F-150, Civic, Ram 1500, Silverado), the insurance pricing is consistent across provinces within a narrow band, and the cross-region comparison will not show material differences.
For most vehicles, yes. The Atlantic region has the lowest theft rates in the 2024 Équité data — every top 10 entry in Atlantic is between 0.09% and 0.17%, compared to Ontario where the Lexus RX alone is at 9.40%. The comprehensive component of your premium should drop materially, sometimes 20% to 30%. Notify your insurer at least 30 days before the move, and compare quotes in the Atlantic market — there are fewer carriers actively writing in Atlantic Canada, so the spread can be wider than the national average.
For the Honda Civic specifically, the 2024 data shows theft rates of 0.30% (national), 0.10% (Atlantic), 0.30% (Ontario), and 0.39% (Quebec). The cross-region variation is modest for the Civic, and the comprehensive component of your premium will be similar across provinces. The Civic is in the “low cross-region sensitivity” bucket — the same model in different provinces gives roughly similar insurance pricing.
Honda CR-V 2016-2021 has theft rates ranging from 1.00% (Ontario) to 4.85% (Quebec) in the 2024 data, which is the largest cross-region spread of any cross-region model. The 4.85% Quebec rate is roughly 5x the 1.00% Ontario rate on the same vehicle. Quote the CR-V in the destination province before you commit to a cross-province move, and ask the carrier to itemize the theft-based surcharge. InsurVibe’s cross-province comparison flow lets you quote the same vehicle in multiple provinces in a single flow.