Insurance Rates For Young Drivers

This is the reason that I (in my early twenties) could not even think of buying a car anytime soon. I could, in theory, afford a car if only paying for the car itself. But I don't have ain't no money to pay ain't no insurance on top of that. Luckily, my city has decent (if predictably unreliable) public transportation.
Luckily we have decent public transportation here as well, the problem is though there are a lot of things that happen outside of town and without a car you basically have no possible way of getting there without a car or by selling your left kidney for an Uber.

The main problem comes for people who live in more rural areas of Ontario, as while there insurance is cheaper because they live out of city, they still have crazy high premiums and it's basically mandatory to have a car when you live that far out.