Unfortunately, it’s often the case that insurers will raise your rates after each policy renewal. (So much for rewarding company loyalty.) In general, if you’re a good driver with no at-fault accidents or violations on record, paying over $200 a month is considered too high of a rate.
On the other hand, if you’ve gotten into an accident or received a speeding ticket since your last renewal, you can expect your rates to be significantly higher now. Having multiple cars or a young driver on the policy will also saddle you with higher rates.