Kemper SR-22 Insurance — Louisiana
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Kemper No Longer Writes New SR-22 Policies
You received a non-renewal notice from Kemper and need to replace your SR-22 filing before Louisiana OMV suspends your license again. Kemper Auto and Kemper Preferred exited new business operations nationwide in 2024, including all SR-22 filings in Louisiana. Existing policies run to term, but no renewals are issued and no new SR-22 certificates are filed.
Louisiana's Office of Motor Vehicles requires continuous SR-22 filing for 3 years after a qualifying suspension. If Kemper's SR-22 filing lapses without replacement, OMV receives an SR-26 cancellation notice from Kemper and automatically re-suspends your license within 10 business days. The suspension reinstates as if you never filed SR-22 in the first place, requiring you to restart the 3-year clock from the new filing date.
“OMV processes SR-26 lapse notices within 10 business days and suspends automatically without additional notice to the driver.”
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OMV Suspension Window After Lapse
Louisiana OMV processes SR-26 cancellation notices within 10 business days of receipt from the carrier. The suspension takes effect automatically without additional notice to the driver in most cases.
Louisiana R.S. 32:861
Why Kemper Stopped Filing SR-22 Certificates
Kemper Corporation restructured its personal lines operations in 2024, withdrawing Kemper Auto and Kemper Preferred from new business in all states. The withdrawal affected standard auto, non-standard auto, and all SR-22 filing operations. Existing policies continue to term but are not renewed. Kemper Specialty (commercial lines) remains active, but it does not write personal auto or SR-22 certificates.
Louisiana drivers with Kemper SR-22 filings received non-renewal notices 30 to 60 days before policy expiration. The notice does not mean your SR-22 requirement ended. It means Kemper will stop maintaining your filing with OMV on the policy expiration date. You must replace the policy and file a new SR-22 certificate with a different carrier before that date to avoid suspension.
OMV does not notify you when an SR-26 lapse notice arrives. The first indication most drivers receive is a suspension letter or a traffic stop where the officer's system shows an invalid license.
Kemper will not renew your SR-22 filing. If you wait until the expiration date to shop coverage, OMV will suspend your license before the new carrier files SR-22.
Non-Standard Carriers for High-Risk SR-22 Filings
The General specializes in SR-22 filings for drivers with DUI, multiple violations, or previous lapses. Non-standard tier carrier with online quoting and non-owner SR-22 availability. NAIC group code not listed in Louisiana OMV contact directory, but The General confirms Louisiana SR-22 filing capability on its website. Rates for DUI SR-22 coverage range $140 to $220 per month depending on parish and violation recency. SR-22 filing fee is $25.
Bristol West writes SR-22 and after-DUI coverage in Louisiana through broker channels. Non-standard tier, requiring agent or broker contact for quotes. Louisiana is within Bristol West's 43-state footprint. Discounts available for defensive driving course completion and multi-policy bundling. Typical DUI SR-22 rates $130 to $200 per month. Filing fee $15, processed within 2 business days.
Direct Auto operates 15 states including Louisiana, with storefront locations and online quoting. Non-standard carrier writing SR-22 for DUI and suspended-license cases. Underwritten by Direct General Insurance Company (NAIC 31534). Non-owner SR-22 policies available. Rates for SR-22 liability coverage after DUI suspension range $110 to $180 per month. SR-22 filing fee $25, same-day electronic filing to OMV.
National General writes SR-22 in Louisiana under standard-tier pricing for select suspension triggers. Accepts DUI cases but underwrites more conservatively than dedicated non-standard carriers. NAIC 23728, AM Best A+ (Allstate group rating). Online quoting available. Rates for SR-22 coverage range $100 to $175 per month depending on violation type. Filing fee $20.
$110–$220/mo
Louisiana SR-22 Premium Range After DUI
Monthly premium estimates for liability-only SR-22 coverage following DUI suspension in Louisiana, based on quotes from non-standard carriers. Individual rates vary by parish, age, violation recency, and coverage selections. Estimates based on available industry data; individual results vary.
Filing Timeline and OMV Notification
Louisiana requires the SR-22 certificate to be filed electronically by your insurance carrier directly with OMV. You cannot file it yourself. The carrier transmits the SR-22 through Louisiana's electronic filing system, and OMV updates your driver record within 1 to 3 business days of receipt. Most carriers process SR-22 filings within 24 hours of policy binding, but Bristol West and some regional carriers take up to 2 business days.
Bind your replacement policy at least 5 business days before your Kemper policy expires. This buffer ensures the new SR-22 filing reaches OMV before Kemper's SR-26 cancellation notice triggers suspension. If the new filing arrives after the SR-26, OMV's system processes the suspension before recognizing the replacement filing, and you will need to pay the $60 reinstatement fee and re-file SR-22 to clear the suspension.
OMV does not send confirmation when a new SR-22 filing is received. Contact OMV's Public Safety Services division at 225-925-6388 to verify your SR-22 status 3 business days after binding the new policy. Provide your driver's license number and ask whether an active SR-22 filing appears on your record.
Compare Carriers Before Your Kemper Policy Expires
Request quotes from at least three carriers writing SR-22 in Louisiana. Progressive, The General, and Bristol West represent the widest acceptance range for DUI and high-risk suspensions. State Farm and National General offer lower rates for drivers whose suspension trigger was insurance lapse or points accumulation rather than DUI. Direct Auto provides storefront service and same-day filing for drivers who prefer in-person support.
Verify each carrier's SR-22 filing timeline before binding. Ask whether the filing is transmitted same-day or within 2 business days, and whether you will receive confirmation once OMV processes the certificate. Carriers that do not provide filing confirmation leave you guessing whether OMV received the SR-22 before your Kemper lapse triggered suspension. Bind the policy, request the carrier transmit the SR-22 immediately, and follow up with OMV within 3 business days to confirm the filing appears on your driver record.
Replacement Carriers Writing SR-22 in Louisiana
Progressive writes SR-22 for DUI, points accumulation, and uninsured suspensions statewide. Online quoting available. NAIC 24260, AM Best A+. Progressive accepts non-owner SR-22 policies for drivers without a vehicle. Quotes typically range $95 to $160 per month for liability-only SR-22 coverage after DUI, varying by parish and driving history. SR-22 filing fee is $25, processed within 1 business day of policy binding.
State Farm writes SR-22 for select suspension triggers in Louisiana but does not accept all DUI cases. Preferred-tier carrier requiring agent contact for SR-22 quotes. NAIC 25178, AM Best A+. State Farm does not offer non-owner policies in Louisiana. Standard SR-22 policies require owned vehicle on the policy. Rates for clean-record SR-22 filers (insurance lapse suspensions) start around $70 per month; DUI cases are often declined or routed to non-standard carriers.
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Get My Louisiana SR-22 Auto Insurance QuoteFrequently Asked Questions
Can I reinstate my Kemper SR-22 policy after it was cancelled?
No. Kemper exited new business operations nationwide in 2024 and no longer renews or reinstates SR-22 policies in any state, including Louisiana. You must bind a new SR-22 policy with a different carrier.
How much does SR-22 insurance cost in Louisiana after a DUI?
Monthly premiums for liability-only SR-22 coverage after DUI suspension in Louisiana range from $110 to $220 depending on parish, age, violation recency, and carrier. Non-standard carriers like The General and Direct Auto typically quote toward the higher end of this range. Estimates based on available industry data; individual results vary.
What happens if my SR-22 filing lapses in Louisiana?
Louisiana OMV receives an SR-26 cancellation notice from your carrier and automatically suspends your license within 10 business days. The suspension reinstates as if you never filed SR-22, requiring you to pay the $60 reinstatement fee and restart the 3-year SR-22 filing period from the new filing date.
Do I need a car to get SR-22 insurance in Louisiana?
No. Louisiana accepts non-owner SR-22 policies for drivers who do not own a vehicle. Progressive, GEICO, The General, USAA, and Direct Auto all write non-owner SR-22 policies in Louisiana. State Farm does not offer non-owner policies in this state.
How long does it take for a new SR-22 filing to reach Louisiana OMV?
Carriers transmit SR-22 certificates electronically to OMV within 1 to 2 business days of policy binding. OMV updates your driver record within 1 to 3 business days of receipt. Total processing time is typically 2 to 5 business days from the date you bind the policy.
Which carriers write SR-22 insurance in Louisiana?
Progressive, State Farm, The General, Bristol West, Direct Auto, National General, GEICO, and USAA all write SR-22 policies in Louisiana. Acceptance varies by suspension trigger. Progressive, The General, and Bristol West accept the widest range of DUI and high-risk cases. State Farm accepts insurance-lapse and points-accumulation suspensions but declines most DUI cases.