And damage caused by wild life? Ie rats chew through your electrical.
As for public insurance being more expensive... my practical experience says otherwise. I currently have basic coverage with rbc. When I was in vancover BC my insurance was 2/3s the cost of what i'm currently paying in Ontario, and bc considered me a new driver due to a glitch with transfering my licence from Ontario. when I moved to saskatchewan i was paying 1/2 of what I pay now and I was getting full coverage with a lower deductable. You can't say it's population density because when I lived in vancouver the population density was higher then where I am now in rural ontario.
I wish I could have kept my Saskatchewan Insurance but that could get stickey.