We can thank two things on this:
1) Brampton. Highest insurance rate, most accidents. 31% higher than provincial average
2) Increase Car thefts
In Toronto, car insurance costs an average of $200 a month.
That is $2,400 a year. Just for permission to drive a car sitting in your driveway. You have not moved it. You have not had an accident.
Just to say it exists.