If you’re a Kansas driver insured by USAA, you may want to buckle up. Auto Quote Tracker uncovered an upcoming rate change impacting over 20,000 policyholders across the Sunflower State.
United Services Automobile Association (USAA) was recently approved to increase its insurance premiums in Kansas by an average of 4.4%, a change that will go into effect for renewal business on November 25, 2025. This adjustment is projected to increase total written premiums by nearly $2.4 million, or roughly $100 per policyholder.
While the percentage change and average increase might seem small on the surface, they can have a real impact on a family’s budget. Before your policy renews, take a few minutes to shop around and reassess your coverage needs.
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What’s Behind the Change?
You might be asking, “Why are my rates going up?” Insurance is a business built on risk, and a multitude of factors influence the rates a company charges. These factors are constantly in flux, and when an insurer’s costs increase, they often need to adjust their premiums to remain financially sound.
Insurance carriers consider various elements when determining rates. These include the frequency and severity of claims, the cost of vehicle repairs, and even the location where a policyholder lives. For instance, a rise in severe weather events, such as hailstorms or floods, can lead to a surge in claims for comprehensive coverage. Similarly, an increase in traffic accidents, distracted driving, or the soaring cost of modern car parts can all push an insurer’s expenses higher.
In the broader economic landscape, factors like inflation also play a crucial role. When the cost of everything from labor to auto parts goes up, the cost for an insurance company to pay out on a claim also rises. To put it simply, insurers need to collect enough in premiums to cover the costs of all the claims they anticipate paying out, plus their operating expenses. When those costs increase, rates often follow.
How to Lower Your Car Insurance Rates
While rate increases can feel frustrating, you’re not powerless. There are several proactive steps you can take to potentially lower your car insurance costs.
The most effective strategy is to shop and compare quotes from multiple insurance providers. Every insurance company uses its own unique formula to calculate premiums, and what might be an increase for one company could be a decrease for another. By getting quotes from a variety of insurers, you can find out who offers the most competitive rate for your specific situation. This is especially true if your driving record has improved, you’ve moved, or you’ve bought a new car.
How to Save on Car Insurance
- Increase your deductible: A higher deductible means you pay more out-of-pocket if you need to file a claim, but it can significantly lower your monthly or annual premium.
- Ask about discounts: Don’t assume you’re getting every discount you qualify for. Ask your insurer about potential savings for things like a clean driving record, being a good student, bundling your auto and home policies, or having anti-theft devices in your car. Many companies also offer discounts for participating in a telematics program that tracks your driving habits.
- Maintain good credit: In many states, a good credit score can lead to lower insurance rates. Insurers often use a credit-based insurance score as a predictor of risk, and a higher score can signal to them that you’re a responsible individual.
- Review your coverage: As your car ages, you might not need the same level of coverage. If your car is paid off, for example, you could consider dropping collision and comprehensive coverage, especially if the car’s value is low.
Lock In Your Insurance Savings
The reality is that auto insurance rates are dynamic and subject to change. This upcoming 4.4% increase from USAA for drivers in Kansas is a reminder that it’s always wise to stay on top of your policy and be prepared to shop for a new one.
Instead of waiting for a surprise rate change to hit your mailbox, sign up for Auto Quote Tracker. Our free tool can help you stay ahead of the game by notifying you when your rates are set to change, giving you a head start on comparing quotes and locking in your insurance savings.