We're in what insurers call, "the hard market". Payouts have increased a lot, partly because of the rise in distracted driving, partly because cars are more expensive to repair, and partly because of the fundamental flaws in Ontario's medical system.
Fraud is an increasing concern too.
Because insurers are paying out too much, they don't want new business, so rates are increasing everywhere. Brokers are finding it hard to find better rates, because a lot of their direct relationships with insurers have been suspended. Insurers straight up don't want new business, so they're only posting high rates, to deter people coming onto their books. It's a bizarre situation.
It's also cyclical, and will be slightly better soon.