Infinity SR-22 Insurance: What's Available After a DUI

Infinity operates in 12 states but does not file SR-22 certificates uniformly across its footprint. The company uses multiple underwriting entities — including Bristol West, Ocean Harbor, and Infinity subsidiaries — and SR-22 filing availability depends on which entity writes your policy and whether your state allows that entity to file electronically with the DMV. In states like California, Texas, and Georgia, Infinity and its affiliates actively write SR-22 policies for DUI drivers. In other states where Infinity has a presence — including Indiana, Ohio, and Pennsylvania — SR-22 filing may be handled by a specific affiliate rather than the Infinity-branded entity. If you request a quote from Infinity and receive a policy from Bristol West or Ocean Harbor, you are still working with an Infinity-owned carrier, but the SR-22 filing process and rate structure may differ. Before you commit to a quote, confirm three details: which legal entity is issuing your policy, whether that entity files SR-22s electronically in your state, and whether the quoted premium includes the SR-22 filing fee. Some Infinity affiliates charge a separate $25–$50 filing fee, while others roll it into the premium. Misunderstanding which entity is filing your SR-22 can delay your license reinstatement by weeks if the wrong form reaches your DMV.

A DUI typically triggers a 70–130% rate increase with any carrier, and Infinity is no exception. For a driver with a single DUI and no other violations, expect monthly premiums in the range of $180–$320 depending on state, coverage limits, and the specific Infinity entity underwriting your policy. Drivers with a DUI plus an at-fault accident or multiple violations may see premiums exceeding $400/month. Infinity's pricing advantage in the non-standard market comes from its willingness to write state minimum liability coverage — often 25/50/25 in states that allow it — which keeps premiums lower than competitors requiring higher limits. However, this also means you are carrying minimal financial protection. If you cause another accident while SR-22 certified, state minimum coverage rarely covers the full cost of injuries or property damage, and the shortfall becomes your personal liability. SR-22 filing does not increase your premium directly — the violation that triggered the SR-22 requirement does. Infinity's filing fee is separate from the rate increase. Expect to pay the fee upfront or added to your first month's premium, and confirm whether your state requires continuous proof of insurance for 3 years (the most common duration) or a different period. Your DMV or court order will specify the exact filing length.

Infinity offers the same core coverage types to SR-22 drivers as it does to standard-risk policyholders: liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments. However, not all coverage options are available to all risk profiles. Drivers with a recent DUI may be restricted to liability-only policies for the first 6–12 months, especially if the DUI involved an at-fault accident or property damage. If you are required to carry SR-22 insurance, your state mandates minimum liability limits — but those minimums are often insufficient. A 25/50/25 liability policy covers only $25,000 per person for injuries, $50,000 total per accident, and $25,000 for property damage. A multi-vehicle accident with serious injuries can easily exceed $100,000 in medical costs alone. Increasing your liability limits to 50/100/50 or 100/300/100 typically adds $30–$80/month to your Infinity premium, but it protects you from personal financial exposure if you cause another accident while SR-22 certified. Collision and comprehensive coverage are optional unless you have a car loan or lease. If you own your vehicle outright and it is worth less than $3,000, skipping physical damage coverage can reduce your premium by 20–30%. However, this also means you will pay out of pocket to repair or replace your car after any accident, regardless of fault. Weigh the monthly savings against the replacement cost of your vehicle before dropping coverage.

Infinity competes directly with Progressive, The General, GAINSCO, and Bristol West (its own affiliate) in the high-risk market. For DUI drivers, Infinity's rates are typically 10–20% lower than The General but 5–15% higher than Progressive in states where Progressive writes non-standard policies aggressively. The gap narrows or reverses depending on your state, the number of violations on your record, and whether you qualify for Infinity's paid-in-full discount. One key difference: Infinity allows monthly payments without requiring a full six-month premium upfront, which matters if you are cash-constrained after a DUI and license reinstatement. Progressive and some other carriers require 20–25% down on high-risk policies, which can mean $400–$600 due at signing. Infinity's down payment requirement is typically one or two months' premium, making it more accessible if you need coverage immediately to lift a suspension. Infinity also accepts drivers with multiple DUIs in some states, though rates increase sharply. A second DUI within 10 years may push your premium above $500/month, and some Infinity affiliates will not quote you at all. If Infinity declines your application, check whether Bristol West or Ocean Harbor will write you separately — they use different underwriting guidelines despite shared ownership. If all three decline, you may need to move to a state assigned risk pool or seek coverage from a specialty high-risk carrier like GAINSCO or Acceptance.

Most states require SR-22 filing for 3 years after a DUI, but the exact duration is set by your court order or DMV suspension notice — not by Infinity or any other carrier. California requires 3 years from the date of conviction. Florida requires 3 years from the date of reinstatement. Virginia requires 3 years from the date the SR-22 is filed, which can differ by months depending on when you buy insurance after your suspension. If you cancel your Infinity policy or miss a payment, Infinity is legally required to notify your state DMV within 24–48 hours. Your DMV will then suspend your license again, often immediately, and you will need to refile an SR-22 and pay a reinstatement fee — typically $50–$250 depending on your state — to restore driving privileges. In some states, a lapse also restarts your SR-22 clock, meaning you must carry the filing for an additional 3 years from the date you refile. To avoid a lapse, set up automatic payments and confirm that your bank account has sufficient funds before each due date. Infinity allows a grace period of 10–15 days depending on your state, but your SR-22 filing is canceled the moment your policy lapses, not at the end of the grace period. If you know you will miss a payment, call Infinity before the due date and ask about payment extensions or switching to a cheaper liability-only policy to keep your SR-22 active. A temporary reduction in coverage is better than a lapse that restarts your filing requirement.

Infinity does not sell directly to consumers in all states. In some markets, you must go through an independent agent or use Infinity's online quote tool, which may route your application to Bristol West or Ocean Harbor without making the distinction clear. When you request a quote, confirm which legal entity will appear on your SR-22 form and your insurance ID card — this is the name your DMV needs to verify your filing. Ask these questions before you bind coverage: Does the quoted premium include the SR-22 filing fee, or is it added separately? How much is the down payment, and can it be split over two months? What happens if you miss a payment — is there a grace period, and will Infinity contact you before canceling your SR-22? What is the minimum coverage you can carry and still meet your state's SR-22 requirement? If Infinity's quote is higher than you expected, compare it against at least two other non-standard carriers before committing. Rates for the same driver with the same DUI can vary by 30–50% between carriers depending on underwriting models and state-specific risk pricing. Use a high-risk comparison tool that pulls quotes from multiple non-standard insurers at once — it takes 10 minutes and can save you $600–$1,200 over a year. Infinity may be the right choice, but you will not know until you see what else is available for your profile.