Time out, you had 5 "speeding tickets" 5 meaning you can't blame the the highway on that.
I'm NOT blaming my then record on the road (I've got 30 years of driving experience, no tickets and no accidents for a decade and my full coverage premium today is below $90 in the most expensive state for auto insurance).
What I am saying is two things:
Insurance in Canada is generally higher, but especially higher in Ontario because of the sheer probability of accidents.
OP's insurance is a product of his record, but half of his accidents were not his fault (one was a deer, the other was a rear-ending).... His at-fault accidents are a contributing factor but the specific rate he's paying is astronomically high even for that number of accidents. It can only be explained by the combination of the two.