Are Auto Insurance Costs Going Up or Down in Kansas?

The Zebra
May 31, 2019

Personal experience has taught many drivers that auto insurance rates commonly increase each year. But there's a lot that goes into pricing auto insurance policies — and not every region experiences the same rate trends.

Among the primary rating factors insurance companies use to set rates is location. The ZIP code, city, and state in which a car is stored and operated factor into car insurance prices — this comes down to state statutes and the differing levels of risk associated with insuring cars in various areas of the country.

Because auto insurance pricing depends on a number of factors, yearly pricing trends are different in every state. Car insurance rates might be increasing annually in one state while they decrease for drivers across state lines.

See below trending car insurance rates in Kansas. If your insurance isn't following your state's trend, consider shopping for a more affordable policy. The Zebra's auto insurance comparison engine furnishes auto insurance rates based on your specific profile — enter your ZIP below to get started.


Auto insurance price trends in Kansas


In Kansas, average yearly car insurance premiums increased by $31 over the past year. A driver in Kansas typically faces an average rate of $1,476 per year.

The general trend in Kansas leans toward more expensive car insurance rates. From 2015 to 2018, rates increased by an average of $288 annually. Meanwhile, car insurance rates nationwide have gone up recently, increasing from $1,280 in 2015 to $1,470 in 2018.


YEARLY CAR INSURANCE RATE TRENDS IN KANSAS
YearAvg. Annual Premium — KansasYearly Change — KansasAvg. Annual Premium — USAYearly Change — US
2018$1,476$31$1,470$32
2017$1,445$171$1,437$69
2016$1,274$86$1,368$88
2015$1,188$45$1,280$51
2014$1,143-$19$1,229$34
2013$1,162$20$1,195-$80
2012$1,142$96$1,276$82

If your rates are rising faster than the average in your state, shop around for a better deal.


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How are auto insurance rates changing in big Kansas cities?


Auto insurance policies are priced at a granular geographic level with a variety of location-specific variables impacting how much you pay. That means drivers can see major differences in their car insurance rates, based solely on their ZIP code or city. As an example, drivers in Wichita faced a bigger year-over-year rate increase (5.5%) than their intrastate neighbors in Overland Park (5.0%) between 2018 and 2017.

See below annual rate changes in large Kansas cities. If your city is expensive — and moving isn't on the table — consider shopping around for a more affordable rate.


CityAvg. Premium Increase — 2018 vs. 2017
Wichita5.5%
Overland Park5.0%
Olathe4.9%
Kansas City4.9%
Topeka4.4%

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