It really is Ontario, not Canada, that’s the problem! I can’t speak for the US, but I have an 11 year old Toyota Tercel, 250K+ km, me (26 and married to a 26 year old) as the primary driver and my husband as an occasional driver.
Last year, minimum liability only, I paid 1440$/year.
I moved the car to Québec, and I now pay 270$/year for the exact same coverage, same provider, etc.
Insurance is handled differently by the government, and in a way, we pay a medical insurance through our driver’s licensing and car registration payments. IIRC, I pay 85$/year for my license plates and 255$/2 years for my driver’s license (or is that the other way around? I can never remember). Ontario came out to about 90$/year for both, I think.
Also, I’m pretty sure you pay a lot more if you are in the GTA/Golden Horseshoe, and if you drive more than 50km to work, and use the 400-series highways, etc compared to someone living in a more rural area of Ontario.