Did they increase your rate to $1150 a month or $1150 per six months? If they’re increasing from around $150 a month to $1150, that’s probably a mistake.

Assuming $1150 every six months: Car insurance costs have been going up sharply and yours isn’t out of line with others. You can shop around to see if you can get a better deal, but there’s no negotiating and no cap to increases, so long as the insurer’s plan is approved by the appropriate insurance commissioner (and you can expect that any increase would be, especially by a major National insurer). If others charge the same amount or more, that’s your new rate. Keep looking every few months.