The Kemper SR-22 Brand Split in Mississippi
You were told to get a Kemper SR-22 quote, visited kemper.com, and discovered the site does not offer Mississippi quotes directly. The confusion is structural: Kemper Corporation owns multiple brands, and Mississippi SR-22 filings are written through Infinity Auto Insurance, the non-standard subsidiary Kemper uses for high-risk drivers in this state. The Kemper brand itself writes preferred and standard auto policies in Mississippi, but SR-22 and post-violation coverage are routed to Infinity.
This is not a coverage availability problem — Kemper does write SR-22 in Mississippi. The issue is that the corporate structure forces you to quote through a different brand portal than the one your attorney or DMV paperwork implied. Infinity Auto is licensed in Mississippi (NAIC 42544), carries an AM Best A- rating, and files SR-22 certificates with the Mississippi Department of Public Safety (DPS) Driver Services Bureau. The filing meets state reinstatement requirements regardless of which Kemper subsidiary issues it.
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Get Your Free QuoteMississippi SR-22 Filing Duration
3 years
Mississippi requires SR-22 filing for 3 years following DUI conviction or certain serious violations under Miss. Code Ann. § 63-11-30. Cancellation of SR-22 during this period triggers automatic re-suspension.
Miss. Code Ann. § 63-11-30
Why Mississippi Routes SR-22 Through Infinity Auto
Kemper acquired Infinity Auto in 2018 specifically to expand non-standard auto capacity. Non-standard carriers underwrite drivers with violations, suspensions, lapses, or DUI convictions — the exact population Mississippi requires to carry SR-22. Rather than re-underwrite its Kemper-branded policies to accept high-risk drivers, Kemper kept Infinity as a separate underwriting entity with its own risk models, pricing structure, and agent network.
In Mississippi, this means Kemper-branded quotes route clean-record drivers through the Kemper Auto product, while SR-22 and post-violation drivers are directed to Infinity Auto quotes. The two brands do not share quoting platforms. If you request a Kemper SR-22 quote online, the system either declines the quote or redirects you to an Infinity-affiliated agent. Direct online quoting for Infinity policies is not available statewide; most quotes require agent contact.
The reinstatement paperwork from DPS does not care which Kemper subsidiary files your SR-22. The filing itself is a standardized form (SR-22 Certificate of Financial Responsibility) submitted electronically to DPS by the carrier. Infinity Auto's SR-22 filings are processed identically to those from GEICO, Progressive, or any other licensed carrier in Mississippi.
Requesting a 'Kemper SR-22 quote' online routes to an agent callback, not an instant quote. Infinity Auto does not offer self-service quoting in Mississippi — expect 24–48 hour agent response.
How to Get an Infinity Auto SR-22 Quote in Mississippi
Start at infinityauto.com or call Infinity's Mississippi agent line directly. The website includes a lead form that routes your information to a licensed agent in your county. Provide your driver's license number, the violation or suspension trigger (DUI, points accumulation, uninsured driver violation), and the SR-22 filing requirement from your DPS reinstatement notice. The agent will pull your Mississippi driving record and quote a 6-month or 12-month policy term with SR-22 filing included.
Expect the agent to quote liability-only coverage unless you own a vehicle with a lien requiring comprehensive and collision. Mississippi's minimum liability limits are $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage. Infinity Auto quotes typically reflect these minimums for SR-22 policies, though higher limits reduce out-of-pocket exposure in at-fault accidents. The SR-22 filing itself is processed within 1–3 business days of policy binding and transmitted to DPS electronically. You receive a paper copy for your records; DPS receives the electronic filing automatically.
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What Infinity Auto SR-22 Costs in Mississippi
Monthly premiums for Infinity Auto SR-22 policies in Mississippi typically range from $95 to $165 per month for state-minimum liability coverage. This range reflects differences in violation severity (first DUI versus multiple suspensions), age (drivers under 25 pay higher premiums), county (Jackson and Gulfport zip codes see higher rates than rural counties), and vehicle type. A 45-year-old driver in Tupelo with a single DUI and no prior violations quoted near the low end; a 22-year-old driver in Jackson with points suspension and a lapse history quoted near the high end.
The SR-22 filing fee is built into the premium — Infinity Auto does not charge a separate SR-22 processing fee on top of the policy cost. Some carriers charge $15–$50 for SR-22 filing; Infinity absorbs this into the base rate. Payment plans are available in monthly, 6-month, or 12-month terms. Monthly payment includes a small installment fee; paying the 6-month term in full avoids this fee but requires a larger upfront cash outlay.
Non-owner SR-22 policies (for drivers who do not own a vehicle but need SR-22 to reinstate their license) cost less than standard policies because they exclude collision and comprehensive coverage. Infinity Auto writes non-owner SR-22 in Mississippi; monthly premiums typically range $65–$110 depending on violation history. The non-owner policy satisfies Mississippi's SR-22 requirement and allows you to drive borrowed or rental vehicles legally, but it does not cover a vehicle you own or lease.
Mississippi DUI Reinstatement Fee
$175
Mississippi charges a $175 reinstatement fee for DUI-related suspensions on top of SR-22 insurance costs. This fee is paid directly to DPS Driver Services and is separate from any court fines or MASEP program costs.
Mississippi Department of Public Safety fee schedule
Infinity Auto Versus Other Mississippi SR-22 Carriers
Infinity Auto competes in Mississippi's non-standard market with carriers like The General, Progressive (non-standard tier), GAINSCO, Bristol West, and Dairyland. These carriers all file SR-22 electronically with DPS and meet state reinstatement requirements. The meaningful differences are quoting accessibility, payment flexibility, and whether the carrier writes non-owner SR-22.
Progressive, GEICO, and The General offer online SR-22 quotes without requiring agent callback. Infinity Auto requires agent contact for most Mississippi quotes. If you need a quote within hours rather than days, Progressive or GEICO's self-service SR-22 quoting process is faster. If you prefer working with a local agent who can explain Mississippi's restricted license options and MASEP requirements alongside the insurance quote, Infinity's agent model provides that support.
GAINSCO and Dairyland write non-owner SR-22 directly online in Mississippi. Infinity Auto writes non-owner policies but routes them through agents. If you do not own a vehicle and need non-owner SR-22 immediately, GAINSCO's online non-owner quoting is the fastest path to coverage. The trade-off: agent-driven carriers like Infinity often negotiate payment plans more flexibly than automated online quotes allow.
What Happens After You Bind Infinity Auto SR-22 Coverage
Once you pay the first month's premium or down payment, Infinity Auto processes the SR-22 filing within 1–3 business days. The filing is transmitted to Mississippi DPS Driver Services Bureau electronically. You receive a paper SR-22 certificate by mail within 5–7 days; this certificate is for your records and does not need to be physically delivered to DPS. The electronic filing satisfies the reinstatement requirement.
Check your DPS Driver Services account online 3–5 days after binding coverage to confirm the SR-22 filing appears on your record. If the filing does not appear within 7 days, contact Infinity Auto's Mississippi agent line to verify the filing was transmitted. Occasionally filings are delayed due to data-entry errors (misspelled name, incorrect driver's license number); the agent can re-submit a corrected SR-22 if needed. Do not assume the filing went through without confirming it in your DPS record — paying for the policy and receiving the SR-22 certificate does not guarantee DPS received the electronic filing.
Mississippi's 3-year SR-22 filing period begins the day DPS receives the filing, not the day your suspension was imposed. If you were suspended 6 months ago and file SR-22 today, the 3-year clock starts today. Canceling your Infinity Auto policy before the 3-year period ends triggers automatic re-suspension. DPS receives electronic notice of cancellation from the carrier within 24 hours, and your license is re-suspended immediately. Switching carriers mid-period is allowed — the new carrier files a new SR-22 and the 3-year clock continues without interruption — but letting coverage lapse for even one day re-suspends your license.
Next Steps: Quote Infinity Auto and Compare
Visit infinityauto.com and submit a Mississippi SR-22 quote request, or call the Mississippi agent line for same-day callback. Provide your driver's license number, the violation that triggered your SR-22 requirement, and your current vehicle information (or specify non-owner if you do not own a vehicle). The agent will quote Infinity Auto's monthly premium with SR-22 filing included. While waiting for the Infinity callback, quote Progressive, GEICO, and The General online — all three offer instant SR-22 quotes in Mississippi without agent delays. Compare monthly premiums, down payment requirements, and payment plan flexibility across all four carriers before binding. The carrier that files your SR-22 does not affect Mississippi's reinstatement process, so the decision comes down to cost and quoting convenience. Once you bind coverage, confirm the SR-22 filing appears in your DPS Driver Services account within 7 days, then maintain continuous coverage for the full 3-year period to avoid re-suspension.