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I'm not sure about the other provinces but in Ontario, there are certain coverages that are mandatory by law with every insurance policy. Even with the most basic minimum coverage, you are still paying for uninsured motorist, liability (standard is $1 mill but you can request as low as $200K), and statutory accident benefits which include medical, rehab, attendant care, caregiver, non-earner and income replacement benefits. Now you can start to see why insurance can be so expensive here.
The poster who is from Montreal, Quebec will have different coverages there. I believe personal injury coverage is provided by the government which you pay for when you register/renew your vehicle and third party liability is obtained from the private market.
The point is though and to add to Jiggles' message, people need to take the time to educate themselves on what their insurance coverages/options are based on what's available to them and really consider them carefully.
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