Does Kemper Have SR-22 Insurance?
Kemper offers SR-22 insurance at a price that’s more affordable than some, but not all, providers.
Written by Mary Alice Morris
Reviewed by Kathleen Flear
If you have an
SR-22 car insurance
filing requirement due to prior driving violations, you’ll face car insurance costs that are nearly 20% higher than drivers without an SR-22. But getting your SR-22 coverage through Kemper may be more affordable than what you’ll find with other providers. An SR-22 proves to the state or governing authority that you are maintaining adequate
car insurance
coverage per your state’s requirements. Unfortunately, it also means you’ll pay more for your policy, even with Kemper. Here’s everything you need to know about Kemper SR-22 filing.Does Kemper offer SR-22 auto insurance?
Yes. Kemper will
fill out and file an SR-22
with the state division of motor vehicles where you live after you’re convicted of a serious moving violation. The company also provides insurance coverage for high-risk drivers, which includes individuals who are required to file an SR-22. Besides facing higher insurance premiums if you’re mandated to file an SR-22, you can expect Kemper to charge an additional filing fee for submitting the SR-22 paperwork to your state. Kemper doesn't say how much this fee is, but notes that it varies by state and the best way to find out the cost is to request an insurance quote.
When you get a high-risk car insurance policy through Kemper, you’ll have coverage that meets the
minimum car insurance requirements
in your state. This typically only includes liability coverage
, but you may also need to get uninsured/underinsured motorist coverage
and personal injury protection (PIP)
depending on where you live. Your SR-22 policy will also include any other insurance required of you as a condition of your sentencing for your moving violation.
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What is an SR-22 for car insurance?
The SR-22 is a document that certifies you’re meeting your financial responsibility by purchasing adequate car insurance coverage. Your insurance provider files it on your behalf to ensure your division of motor vehicles that you’re covered by the required amount of car insurance.
Not everybody has to have an SR-22 filed. It’s usually only assigned to people after conviction of a serious traffic charge, like a
DUI
. An SR-22 is also often required if you’re caught driving without car insurance
or driving without a valid driver’s license
. Does Kemper offer non-owner SR-22 insurance?
Kemper offers
non-owner car insurance
for drivers who don’t own their vehicles. Insurance policies typically follow the cars they're bought for—meaning you would be covered by the car owner’s insurance policy when you borrow it. However, drivers with serious moving violations are often required to purchase and show proof of their own insurance policies, too. Does Kemper have FR-44 insurance?
You can get
FR-44 insurance
through Kemper, which is what’s required instead of SR-22 insurance in Florida
and Virginia
.An FR-44 certificate is largely the same as an SR-22 certificate, but it’s tied to more extensive insurance requirements.
How much does an SR-22 from Kemper cost?
Getting coverage that includes SR-22 filing from Kemper will cost more than just buying a regular policy. That’s because drivers who have an SR-22 present a higher risk for insurance claims than drivers with a
clean driving record
. However, the exact amount you’ll have to pay depends on a lot of factors, like your zipcode, your driving record, and your credit history. Which insurance company has the cheapest SR-22 coverage?
Because each driver’s insurance rates vary based on several considerations, there’s no telling where you’ll find the cheapest policy without first getting quotes. You can request quotes from providers you’re interested in, or compare
car insurance quotes online
to find the best deals available. Some providers known to offer competitive high-risk driver policies include
GEICO
, Progressive
, and AAA
. "Jerrybrought my insurance deductible down from $2.5k to $1k without me having to switch companies. I even had a ticket on my record. If it can help me, Jerry will definitely help you save money.” —Maxwell N.
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