Kemper Writes SR-22 Policies in Texas
You received a suspension notice requiring SR-22 filing, you recognize Kemper's name from Texas non-standard auto advertising, and you need to know whether Kemper actually files SR-22s in Texas and what it costs. Kemper does write SR-22 policies in Texas through its non-standard auto program. The company is licensed statewide, holds AM Best financial ratings within the non-standard tier, and files SR-22 certificates directly with Texas Department of Public Safety (DPS) when you purchase a policy that includes the SR-22 endorsement.
The confusion comes from the fact that Kemper operates multiple insurance entities. In Texas, Kemper's non-standard auto policies are underwritten by specific Kemper subsidiaries licensed for high-risk auto coverage. When you request an SR-22 quote from Kemper online or through an agent, you're being routed to the Kemper entity that writes SR-22-eligible policies. Not every Kemper entity writes SR-22 — the standard-tier Kemper Preferred and Kemper Specialty entities do not file SR-22 in most states, but the non-standard auto division does.
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Get Your Free QuoteKemper SR-22 Filing Fee
$25–$50
Kemper charges a one-time filing fee at policy inception to submit your SR-22 certificate to Texas DPS. This fee is separate from your monthly premium and covers the administrative cost of the filing. The fee is charged once per policy term unless you let the policy lapse and need a new filing.
Kemper SR-22 FAQ and agent rate sheets
Texas Requires 2 Years of Continuous SR-22 Filing
Texas Transportation Code §601.153 requires 2 years of continuous SR-22 filing for most DWI, uninsured driving, and liability-related suspensions. The 2-year period runs from your reinstatement date, not your conviction date or suspension start date. If you let your Kemper policy lapse at any point during the 2-year window, Texas DPS receives an automatic cancellation notice from Kemper within 24 hours via the TexasSure electronic reporting system, and your license is re-suspended immediately. There is no grace period.
The SR-22 requirement does not expire when your suspension period ends. You must maintain continuous SR-22 coverage for the full 2 years after reinstatement, even if your driving privileges were restored after 90 days or 6 months. Letting the SR-22 lapse restarts the 2-year clock in most cases, meaning you face another suspension and must file a new SR-22 and wait another 2 years from the new filing date.
Texas DPS tracks SR-22 compliance through TexasSure, the state's real-time electronic insurance verification database maintained by Texas Department of Motor Vehicles (TxDMV). Every carrier licensed in Texas — including Kemper — reports policy issuances and cancellations to TexasSure electronically. When Kemper cancels your policy for non-payment or at your request, the system flags your license immediately. You do not receive a warning letter or a grace period. The suspension is automatic and you must pay a $100 reinstatement fee on top of filing a new SR-22 to restore your license.
Kemper's SR-22 filing is continuous-compliance monitored: Texas DPS tracks your policy status in real time via TexasSure, and a single day of lapse triggers automatic re-suspension with no grace period.
Kemper SR-22 Premium Structure in Texas
The base premium for Kemper non-standard auto policies in Texas typically ranges from $85 to $140 per month for liability-only coverage meeting Texas minimums ($30,000 bodily injury per person, $60,000 bodily injury per accident, $25,000 property damage). Your actual premium depends on your specific violation, age, county, vehicle, and prior insurance history. DWI suspensions produce higher premiums than uninsured-driving suspensions because the risk profile differs. Kemper underwrites every SR-22 applicant individually, so the quote you receive will vary from the range shown here.
The SR-22 filing fee of $25 to $50 is charged once at policy inception. Some Kemper agents quote the filing fee as part of the first month's payment; others itemize it separately. The filing fee covers the administrative cost of submitting your SR-22 certificate to Texas DPS and does not recur monthly. If you let your policy lapse and need to refile SR-22 later, Kemper charges the filing fee again because a new certificate must be submitted.
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Kemper vs Other Texas Non-Standard SR-22 Carriers
Kemper competes directly with Dairyland, GAINSCO, Bristol West, The General, and Direct Auto in the Texas non-standard SR-22 market. All five carriers write SR-22 policies statewide, all file electronically with Texas DPS, and all offer online quoting. Premium differences among these carriers are significant — rate spreads of 30% to 50% are common for identical coverage and driver profiles. Kemper's rates tend to fall in the middle of the non-standard tier: higher than GAINSCO and Dairyland in most Texas counties, lower than Bristol West and The General in urban markets.
Kemper offers monthly payment plans through electronic funds transfer (EFT) or credit card, and the company does not require full-term payment upfront for SR-22 policies. This differs from some non-standard carriers that require two or three months' premium at inception. Kemper's down payment is typically the first month's premium plus the filing fee, making the upfront cost lower than carriers requiring larger deposits. If cash flow at policy inception is a constraint, Kemper's payment structure may work better than competitors requiring larger initial payments.
Kemper does not write non-owner SR-22 policies in Texas. If you do not own a vehicle and need SR-22 filing to satisfy Texas DPS reinstatement requirements, you must use Dairyland, GAINSCO, The General, or USAA (if you're military-affiliated). Non-owner SR-22 policies cost less than standard policies because they exclude vehicle-specific risk, but Kemper does not offer this product. If you sold your vehicle after suspension and need SR-22 coverage without owning a car, Kemper is not an option.
Texas SR-22 Filing Duration
2 years
Texas Transportation Code §601.153 mandates 2 years of continuous SR-22 filing for most DWI and liability-related suspensions, measured from reinstatement date. The clock restarts if you let coverage lapse at any point during the 2-year window, and you face re-suspension plus a $100 reinstatement fee.
Texas Transportation Code §601.153
How Kemper Files SR-22 with Texas DPS
When you purchase an SR-22 policy from Kemper, the company submits your SR-22 certificate electronically to Texas DPS within 24 to 48 hours. Texas does not use paper SR-22 certificates. The filing is submitted through the TexasSure system, and DPS updates your driving record to reflect SR-22 compliance once the certificate is processed. You do not need to visit a DPS office or mail any forms — the entire process is electronic between Kemper and DPS.
You should request a copy of your SR-22 certificate from Kemper for your records. Some county courts and employers require proof of SR-22 filing during suspension or Occupational Driver License (ODL) proceedings, and a copy of the certificate satisfies this requirement. Kemper sends the certificate to you via email or postal mail once DPS processes the filing. If you need proof of filing immediately, contact Kemper's SR-22 department directly and request expedited delivery of the certificate.
Compare Kemper to Dairyland and GAINSCO Before Buying
Kemper writes competitive SR-22 policies in Texas, but the carrier is not uniformly the cheapest option across all counties and violation types. Dairyland and GAINSCO frequently quote 20% to 40% lower premiums than Kemper for identical coverage in Harris, Dallas, Tarrant, and Bexar counties. If you're comparing SR-22 carriers, request quotes from at least three non-standard carriers before committing to Kemper. The rate variation among non-standard carriers is wide enough that a single afternoon of comparison shopping can save $400 to $800 over a 2-year SR-22 filing period.
Use an independent agent who writes multiple non-standard carriers. Independent agents can quote Kemper, Dairyland, GAINSCO, Bristol West, and The General simultaneously and show you the rate spread for your specific profile. Captive agents who work for a single carrier cannot provide this comparison. If you're quoting online directly through Kemper's website, run parallel quotes through Dairyland and GAINSCO to ensure Kemper's rate is competitive for your county and violation. SR-22 premium differences among carriers are large enough that comparison shopping is worth the time.