KAIA members can view the full summary and / or the full marketplace report at kaia. com / marketplacedata / or in the reference copy mailed to your agency. •
MARKETPLACE
CONTINUED FROM PAGE 40
Premium Taxes All U. S. states levy a tax on property and casualty( P & C) insurance premiums, commonly referred to as a premium tax. In Kansas in 2025, the average tax rate for Admitted premiums was 1.8 %, while the Surplus Lines predominant tax rate was 3.0 %. Together these taxes generated $ 206 million for Kansas in 2025, accounting for approximately 2.1 % of Kansas ' s total tax and fee revenue, or about $ 69.2 per capita. Nationally, the average premium tax rates are 2.2 % for Admitted premiums, and 3.9 % for Surplus Lines premiums. In 2025 that equates to $ 26 billion in premium taxes nationwide, or about 2.0 % of all state tax and fee revenue.
Largest Insurers In 2025 State Farm Group( G) was the largest insurer group overall in Kansas, writing 10.1 % of all P & C premiums. Progressive Northwestern Insurance Co emerged as the largest Pure Independent Agent- Broker Distribution Style individual insurer, State Farm Mutual Automobile Ins Co as the largest Exclusive-Captive Distribution Style individual insurer, and Progressive Direct Insurance Company as the largest Direct Distribution Style individual insurer.
KANSAS PREMIUMS: ALL 32 LINES
Figure 1 below, 2025 Kansas Direct Premiums Written: By Lines of Business, lists the Line of Business and then shows the 2025 total Direct Premium Written( DPW) for all 32 P & C Lines of Business that P & C insurers are required to report on in their annual statement to regulators. The Lines of Business are listed in alphabetical order, both below and in most of the subsequent tables and figures in this Summary. Of the 32 lines, 26 Lines of Business are primarily focused on by independent agents and are emphasized in the chart with an asterisk(*).
As independent agents are the target audience, those 26 Lines of Business are generally emphasized throughout the report. All report data is via AM Best.
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Figure 1
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KS PREMIUMS: ALL 32 LINES, ADDL.
Table 1 on the opposite page, 2025 Kansas: All Lines of Business Additional Details, elaborates on the data in the above Figure 1, with expanded detail on Kansas Direct Written Premium( DPW), Loss Ratios, Premium Change Percentages, and Penetration Percentages for the 32 P & C Lines of Business. The data is provided by Line of Business, for the reader’ s overall reference. Again, the 26 Lines of Business primarily focused on by independent agents, are emphasized with an asterisk(*).
The 1-Year Loss Ratio and Premium Change rates are for 2025. The 5-Year Loss Ratio and Premium Changes rates are for the years 2021 to 2025.
KAIA members can view the full summary and / or the full marketplace report at kaia. com / marketplacedata / or in the reference copy mailed to your agency. •
24 KANSAS INSURANCE AGENT & BROKER