That's awful.
Here is the state of insurance in Ontario: Report: Ont. drivers might have overpaid $5B on insurance over five years
And an exerpt from that article...
Report author and economics professor Fred Lazar, of York University’s Schulich School of Business, suggests insurers might have raked in approximately $5 billion in pre-tax income from 2011-2016, including an estimated $1.5 billion in 2016. Those 2016 profits represent an estimated 60 per cent increase over those from 2011, Lazar says.
Ont drivers are overpaying and it's still cheaper than what we pay in BC. On top of that ICBC has a 1.3B deficit...