High-performance luxury vehicles, exotic sports cars, and specific heavily targeted SUV models—such as luxury brands like Land Rover, Porsche, Maserati, and high-end trims of domestic trucks and SUVs (like the Ford F-Series or Dodge RAM)—frequently command the highest car insurance rates in Ontario. These specific makes and models attract severe insurance surcharges because they are prime targets for organized auto theft rings, feature expensive specialized electronics and aluminum body panels, and incur massive repair or replacement costs during collisions.
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