Just about all states are seeing increases due to inflation so it’s not just us. Based on what I’ve seen 9.8 % isn’t crazy. If you can though increase your liability limits above state minimum. You’ll be happy you did if you ever need to use it. That being said it’s still possible you could find better rates. There are so many things that factor into rates everyone’s increase will be different. as someone else said some people are even seeing decreases in rates based on the level of risk they’re presenting as well as their insurance companies “appetite” for that particular risk group. It may be worth it to reach out to an independent agent and see if they can find you a better deal.