If you have an
SR-22 car insurancefiling 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 insurancecoverage 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-22with 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 requirementsin your state. This typically only includes
liability coverage, but you may also need to get
uninsured/underinsured motorist coverageand
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.
Does Kemper offer non-owner SR-22 insurance?
non-owner car insurancefor 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?
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 onlineto find the best deals available.
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