Kemper Files SR-22 in Georgia—But Filing Is Only Step One
You received a DUI or uninsured-motorist suspension notice. Georgia DDS told you to get SR-22 insurance. You searched for affordable carriers, and Kemper appeared as a non-standard option writing in Georgia. You assume the filing is the hard part—pay the fee, submit the form, move on.
The filing is the easy part. Kemper charges $25–$50 to file the SR-22 certificate electronically with Georgia DDS. That transaction takes 1–2 business days. The hard part is the 3-year continuous-coverage requirement that starts the moment DDS receives your certificate. A single coverage lapse—even one day—triggers automatic re-suspension, and you start the 3-year clock over from zero.
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Get Your Free QuoteKemper SR-22 Filing Fee Georgia
$25–$50
Kemper charges a one-time filing fee to submit the SR-22 certificate electronically to Georgia DDS. This fee is separate from your liability premium and applies at policy inception and renewal.
Kemper Auto coverage page, SR-22 FAQ
Georgia Requires Three Years of Continuous SR-22 Coverage
Georgia measures the SR-22 requirement from the conviction date for DUI offenses and from the suspension notice date for uninsured-motorist violations. The 3-year period runs continuously—you cannot pause it by not driving or by surrendering your registration. DDS tracks your SR-22 status in real time through the Georgia Electronic Insurance Compliance System (GEICS), which receives electronic notifications from your carrier whenever coverage starts, renews, or cancels.
If Kemper cancels your policy for non-payment or if you cancel without replacing coverage the same day, GEICS notifies DDS automatically. DDS re-suspends your license within 10 business days and resets the 3-year requirement to day zero. You do not receive a grace period. Most drivers facing re-suspension discover it only when pulled over or when attempting to renew their registration.
Kemper does not control Georgia's 3-year requirement. No carrier does. This is a DDS administrative rule tied to your suspension trigger, not an insurance contract term. Switching carriers mid-period is allowed—your new carrier files a new SR-22, and your 3-year clock continues uninterrupted—but you must ensure zero-day gap between policies.
A one-day SR-22 lapse restarts Georgia's 3-year requirement from zero and re-suspends your license automatically through GEICS.
What Kemper SR-22 Actually Costs in Georgia
Kemper underwrites non-standard auto policies through its specialty division. Georgia drivers with DUI convictions or uninsured-motorist suspensions typically see monthly liability premiums between $110 and $190 for state-minimum coverage (25/50/25 limits). The $25–$50 filing fee is a one-time charge added at policy inception and again at each renewal if SR-22 is still required. Total first-year cost for state-minimum coverage: approximately $1,370–$2,330, including the filing fee.
Kemper does not publish a standard SR-22 rate sheet. Your actual premium depends on your violation type, conviction date, county of residence, age, and prior insurance history. A first-offense DUI driver in Fulton County with prior continuous coverage will pay less than a driver with a lapsed-insurance suspension and no prior coverage history. Kemper quotes online, but final underwriting approval requires a clean driving record review. If additional violations appear during underwriting, Kemper may decline coverage or increase the quoted premium.
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Filing Process: Kemper Submits Electronically to DDS
Kemper files SR-22 certificates electronically through GEICS the same day you bind coverage. Georgia DDS receives the certificate within 1–2 business days. You do not need to submit a paper form yourself. Kemper handles the transmission as part of policy issuance. DDS updates your driving record to show active SR-22 compliance once the certificate posts.
If you are applying for a Limited Driving Permit through Superior Court, the court will verify SR-22 status directly with DDS before issuing the permit. You do not need to bring a copy of the SR-22 certificate to your court hearing—the electronic filing is sufficient. If DDS has not yet received Kemper's certificate by your hearing date, the court will deny your petition and reschedule. Bind your Kemper policy at least 5 business days before any scheduled court appearance to avoid this delay.
Kemper does not file SR-22 retroactively. If your suspension notice specifies a compliance deadline and you miss it, DDS extends your suspension until you file. Each day past the deadline adds one day to your suspension period. Georgia does not offer grace periods for late SR-22 filings.
Georgia SR-22 Duration Post-Reinstatement
3 years
Georgia measures the SR-22 requirement from your conviction or suspension notice date, not from your reinstatement date. Canceling coverage before the 3-year period ends restarts the requirement and re-suspends your license.
Georgia DDS reinstatement requirements
Non-Owner SR-22 Through Kemper If You Sold Your Vehicle
If you sold your vehicle after suspension or do not currently own a car, Kemper offers non-owner SR-22 policies in Georgia. A non-owner policy provides liability coverage when you drive a borrowed or rented vehicle but does not cover a vehicle you own or regularly use. Georgia DDS accepts non-owner SR-22 filings for reinstatement purposes as long as the policy meets state-minimum liability limits.
Kemper's non-owner SR-22 premiums typically run $60–$110 per month for drivers with DUI or uninsured-motorist suspensions. This is lower than standard SR-22 policies because non-owner coverage carries no collision or comprehensive exposure. The same 3-year continuous-coverage requirement applies. If you buy a vehicle during the 3-year SR-22 period, you must upgrade to a standard owner policy and notify Kemper immediately—continuing a non-owner policy while owning a vehicle violates your policy terms and can trigger cancellation.
Compare Kemper Against Other Georgia SR-22 Carriers Before Binding
Kemper is one of several non-standard carriers writing SR-22 policies in Georgia. Progressive, Geico, State Farm, Dairyland, Bristol West, Direct Auto, The General, Infinity, National General, and GAINSCO all file SR-22 electronically with Georgia DDS. Monthly premiums vary by $40–$80 across carriers for identical coverage and driver profiles. Kemper may quote lowest for one driver and highest for another depending on underwriting appetite for your specific violation and county.
Request quotes from at least three carriers before binding. Georgia DDS does not care which carrier files your SR-22—only that continuous coverage remains active for 3 years. Switching carriers mid-period is allowed and does not reset your 3-year clock, but you must ensure your new policy starts the same day your old policy ends. A single-day gap triggers automatic re-suspension and restarts the requirement. Compare your Kemper quote now, and if a competitor offers lower premiums with identical state-minimum coverage, take it—the filing process is identical across all carriers approved by Georgia DDS.