Will Kemper help if I need SR-22 or had a lapse?

I had a lapse and one speeding ticket—two companies declined me. People say Kemper writes ‘nonstandard.’ Does that mean decent rates with an SR-22, or am I paying sky-high until my record’s clean?

You heard right; Kemper is one of the main companies that writes nonstandard auto insurance, which means they’re willing to insure drivers who’ve had lapses, tickets, or need SR-22 filings. So yes, they’re more likely to approve you when other companies won’t.

That said, your price will still be higher for a while no matter what company you choose. An SR-22 doesn’t change your coverage (it just tells the state you’re insured) but it does flag you as high-risk. Think of Kemper as a temporary step while you rebuild your insurance history.

Here’s how long certain things usually affect your rates:

• A lapse in coverage: 6–12 months
• One speeding ticket: 1–3 years
• SR-22 filing requirement: about 3 years

✅ Ways to keep your price down with Kemper:

• Choose higher deductibles to lower your monthly bill
• Keep continuous coverage with no late payments
• Avoid claims unless absolutely necessary
• Skip extras like rental or roadside until your record improves
• Reshop your rate in 6–12 months; you don’t have to stay high-risk forever

If you want, The Zebra has agents who work with Kemper and other SR-22-friendly companies, so you can compare and make sure you’re not overpaying.