ICBC is not as evil as many think either. In provinces such as Alberta and Ontario, it's all fine and dandy if you are a middle age, claim-free person. But in Ontario, in particular, should you be unfortunate enough to even just have a single at fault accident, your rates just shoot through the roof for years to come. Car insurance is also draconian and troublesome in many other ways in Ontario as well.
And if you are a guy younger than 25, don't even consider owning a vehicle at all, because you wouldn't be able to afford insurance.