Part of your rate is the limits of liability you carry. I suppose you are talking about Texas where they just raised state required limits from 20/40/15 to 25/50/25. The reason your premium is going up is because your coverage amount is going up. Insurance companies dont control what the state required limits are. Hope that helps.

because then they have to insure all the bad risks.
those who know how to drive and those who know how not to drive.