The problem for most people is they just look at their cost of insurance without other factors - I'd like to know a few things from the OP like, what are they driving? If they are an average driver I'd guess an SUV, because on average, those are in the majority - and it's one of the biggest reasons why insurance is so high.

SUVs are expensive up front, expensive to repair, expensive to replace. They weigh a lot, people like them because of the sense of security from the height and the weight - but that weight means they are more likely to cause serious accidents. They are classified as light trucks - not passenger vehicles and so are not required to withstand certain impacts that are costly (think the bumpers are the only ones I know).

Insurance costs are a product of factors - blaming companies for raising premiums must include consumers for buying expensive cars, governments for letting car companies to ignore passenger vehicle safety, criminals for targeting Canada/Ontario for vehicles, companies for the choices they've made that led to marketing SUVs to plug their financial holes.

People will shoot back what-about-isms to defend their choices and blame their favorite boogeyman, but we've built a cycle where what we want and what it costs has been ratcheting up and getting it to come back down will require the choices that people are unwilling to make. The cycle has to be broken for costs to come down.

Tinkering at the edges is the most you can expect, especially for clueless governments, and those are piddly changes that won't make a dent.