Kemper SR-22 Insurance Cost — Texas
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When Kemper's Quote Doesn't Match the Filing Window
You received a Kemper quote for SR-22 insurance in Texas, and the monthly premium is either significantly lower than the competitor quotes you've seen or higher than you expected based on your last policy. You're trying to determine whether this rate is competitive, and whether Kemper can file your SR-22 certificate with the Texas Department of Public Safety before your reinstatement deadline expires. The quote didn't clarify which Kemper entity is underwriting the policy, and you don't yet know whether the filing happens same-day or requires 3–5 business days.
Kemper operates in Texas through two separate underwriting entities — Kemper Specialty Insurance Company and Security National Insurance Company — and the entity writing your policy determines both your premium tier and your SR-22 filing speed. Texas DPS requires the SR-22 certificate transmitted electronically from the carrier to the state within 24 hours of policy effective date for most reinstatement cases, but Kemper's internal processing timeline varies by underwriter and by whether you purchase online or through an agent. This article walks the actual cost range, clarifies which underwriter you're dealing with, and sequences the filing pathway so you know exactly when DPS receives your certificate.
“Kemper operates through two Texas underwriters — Kemper Specialty and Security National — and the entity writing your policy determines both your premium tier and your SR-22 filing speed.”
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Kemper Texas SR-22 Premium Range
Liability-only SR-22 policies through Kemper in Texas typically cost $95–$165 per month for drivers with a single DUI or at-fault uninsured driving suspension. Rates vary by county, driving history, and whether Security National or Kemper Specialty is the underwriter. Estimates based on available industry data; individual rates vary.
Kemper Operates Through Two Texas Underwriters
When you request a Kemper SR-22 quote in Texas, the system routes your application to one of two underwriting entities based on your risk profile and ZIP code. Kemper Specialty Insurance Company (NAIC 10912) writes higher-risk SR-22 policies — typically for drivers with DUI convictions, multiple at-fault accidents, or suspended licenses due to uninsured driving. Security National Insurance Company (NAIC 33120) writes moderate-risk policies for drivers whose suspension resulted from points accumulation, lapsed insurance without an at-fault accident, or a single violation without aggravating factors.
The distinction matters because the two entities use different premium calculation models and different SR-22 filing protocols. Kemper Specialty policies generally cost 15–25% more per month than Security National policies for comparable coverage limits, but Kemper Specialty's SR-22 filing reaches DPS faster — typically within 1 business day of policy purchase when filed electronically through an agent. Security National policies take 2–3 business days for the SR-22 certificate to transmit to DPS after purchase, because the filing routes through a separate back-office system rather than the same-day agent portal Kemper Specialty agents use.
Your quote documentation should list the underwriter name in the policy declarations section or on the confirmation email. If it only says "Kemper" without naming the specific entity, call the agent or Kemper customer service at the number on the quote before purchasing. The underwriter identity determines your filing timeline, and if you're working against a court-ordered reinstatement deadline or an Occupational Driver License (ODL) hearing date, a 2-day difference in filing speed can push you past the window.
If your reinstatement deadline is fewer than 5 business days away, confirm underwriter identity and filing speed before purchase — Security National's 2–3 day processing may miss tight windows.
What Kemper SR-22 Actually Costs in Texas
Kemper SR-22 premiums in Texas range from $95 to $165 per month for state-minimum liability coverage (30/60/25), depending on your county, the violation that triggered your suspension, and whether Security National or Kemper Specialty underwrites the policy. Drivers in Harris County, Dallas County, Bexar County, and Travis County typically pay the higher end of that range due to higher uninsured motorist rates and claim frequency in urban areas. Drivers in rural counties with lower accident rates — such as those in the Panhandle or West Texas — typically fall closer to the $95–$110/mo range.
A DUI suspension in Texas pushes premiums toward the upper end of the range regardless of county. Kemper Specialty typically quotes $140–$165/mo for a first-offense DWI with no aggravating factors and no prior at-fault accidents. A second DWI within 5 years, or a DWI with injury, often exceeds Kemper's underwriting guidelines entirely — the system declines the application and refers you to a surplus-lines broker. Suspensions resulting from uninsured driving or insurance lapse without an at-fault accident typically cost $95–$120/mo through Security National, assuming no other violations in the prior 3 years.
Kemper does not offer non-owner SR-22 policies in Texas. If you do not currently own a vehicle and need SR-22 filing to satisfy DPS reinstatement requirements, you must apply with a carrier that writes non-owner coverage — Progressive, Dairyland, The General, or GAINSCO all write non-owner SR-22 in Texas. Kemper's underwriting system requires a vehicle identification number (VIN) at the time of application, and the policy cannot bind without a listed vehicle.
If you're comparing Kemper's quote to other carriers, verify that the premium figure on the quote is monthly, not annual. Kemper quotes display the monthly premium prominently, but some competing carriers — particularly those quoting through independent agents — present 6-month or annual totals in the initial quote. A $1,200 annual quote from another carrier equals $100/mo, which undercuts a $140/mo Kemper Specialty quote even though the Kemper number appeared lower at first glance.
2 years
Texas SR-22 Filing Duration
Texas requires SR-22 financial responsibility filing maintained continuously for 2 years from reinstatement date for most DWI and uninsured driving suspensions, per Texas Transportation Code §601.153. If the policy lapses or cancels before the 2-year period ends, DPS suspends your license again automatically.
Texas Transportation Code §601.153
When Kemper's Filing Speed Matters for Reinstatement
If you're applying for an Occupational Driver License (ODL) in Texas, the court requires proof of SR-22 filing submitted with your petition or presented at the hearing. Most county courts accept a copy of the SR-22 certificate itself — the document Kemper sends you after purchase — rather than waiting for DPS to update your driving record. In that scenario, Kemper Specialty's 1-business-day certificate delivery meets the court deadline as long as you purchase at least 2 business days before your hearing date. Security National's 2–3 day processing timeline requires purchasing 4–5 business days before the hearing to ensure the certificate arrives in time.
If you're reinstating a fully suspended license rather than applying for an ODL, DPS will not process your reinstatement application until the SR-22 certificate appears in the TexasSure system. You can submit your reinstatement fee ($125 for most suspensions) and any required course completion certificates before the SR-22 filing reaches DPS, but the license itself will not be restored until DPS confirms financial responsibility on file. In practice, this means Security National's 2–3 day SR-22 processing adds 2–3 days to your total reinstatement timeline compared to Kemper Specialty's same-day or next-day filing.
Compare Kemper Against Texas SR-22 Specialists
Kemper is one of roughly a dozen carriers writing SR-22 policies in Texas, and it's not always the cheapest option for drivers with clean records aside from the violation that triggered the suspension. Progressive, GAINSCO, and Dairyland all write SR-22 policies in Texas and often quote 10–20% below Kemper's rates for drivers whose suspension resulted from insurance lapse or a single at-fault accident without injury. If your suspension stems from a DUI, Kemper Specialty's rates are competitive with Dairyland and The General, but Bristol West and Direct Auto sometimes undercut Kemper by $15–$25/mo in urban counties.
The most reliable way to confirm whether Kemper offers the best rate for your specific profile is to request quotes from at least three carriers that explicitly confirm SR-22 filing capability in Texas. Use the site's comparison tool to generate quotes from Kemper, Progressive, Dairyland, and GAINSCO simultaneously — all four write SR-22 in Texas, all four file electronically with DPS, and comparing them side-by-side eliminates the risk of purchasing a policy that looks cheap on monthly premium but costs more over the 2-year SR-22 filing period once you account for mid-term rate increases.
How Kemper's SR-22 Filing Reaches Texas DPS
When you purchase a Kemper Specialty SR-22 policy through a licensed agent in Texas, the agent submits the SR-22 certificate electronically to DPS the same business day if the purchase occurs before 3 PM Central Time. The certificate transmits through Texas's TexasSure system, and DPS updates your driving record within 1 business day of receipt. Kemper Specialty's agent portal connects directly to TexasSure, which eliminates the manual upload step that delays filings from carriers using batch processing. If you purchase online rather than through an agent, Kemper Specialty's back-office team processes the SR-22 filing within 1–2 business days — still faster than most non-standard carriers, but not same-day.
Security National SR-22 filings take longer regardless of purchase channel. The company uses a centralized compliance team that processes SR-22 certificates in batches twice per day — morning and late afternoon. If you purchase a Security National policy in the morning, your SR-22 certificate typically transmits to DPS the next business day. If you purchase in the afternoon or evening, expect 2–3 business days before DPS receives the filing. Security National does not offer same-day filing even through agents, because the agent portal routes requests to the batch system rather than transmitting directly to TexasSure.
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Get My Texas SR-22 Auto Insurance QuoteFrequently Asked Questions
Does Kemper file SR-22 same-day in Texas?
Kemper Specialty files SR-22 certificates with Texas DPS within 1 business day when purchased through an agent before 3 PM Central Time. Security National, Kemper's other Texas underwriter, processes SR-22 filings in batches and typically takes 2–3 business days to transmit the certificate to DPS.
How much does Kemper SR-22 insurance cost in Texas per month?
Kemper SR-22 policies in Texas cost $95–$165 per month for state-minimum liability coverage, depending on county, violation type, and which Kemper underwriter writes the policy. DUI suspensions and urban counties push rates toward the upper end of that range.
Does Kemper offer non-owner SR-22 policies in Texas?
No. Kemper requires a vehicle identification number (VIN) at application and does not write non-owner SR-22 policies in Texas. Drivers without a vehicle should apply with Progressive, Dairyland, The General, or GAINSCO for non-owner SR-22 coverage.
How long does Kemper require SR-22 filing in Texas?
Texas law requires SR-22 filing maintained for 2 years from reinstatement date for most DWI and uninsured driving suspensions. Kemper sends the SR-22 certificate to DPS at policy purchase and maintains the filing as long as the policy remains active without lapse.
Can I use Kemper SR-22 for an Occupational Driver License in Texas?
Yes. Texas courts accept Kemper SR-22 certificates as proof of financial responsibility when applying for an Occupational Driver License (ODL). Purchase the policy at least 2 business days before your court hearing to ensure the certificate arrives in time if using Kemper Specialty, or 4–5 days if using Security National.
What happens if my Kemper SR-22 policy lapses in Texas?
If your Kemper policy lapses or cancels before the 2-year SR-22 filing period ends, Kemper notifies Texas DPS electronically and DPS suspends your license automatically. You must purchase a new SR-22 policy and restart the 2-year filing period from the new reinstatement date.