The Broker-or-Direct Question
You need an SR-22 filing after a DUI, your current carrier just non-renewed you, and Infinity's name keeps appearing in non-standard carrier lists. You try their website, but the quote form either rejects your violation profile or routes you to a call center that tells you to contact a local agent. The confusion is structural: Infinity operates in two different market tiers depending on state, and the tier determines whether you can quote directly or must go through a broker.
This article clarifies Infinity's actual DUI underwriting footprint, which states allow direct online quote vs broker-required placement, and what the filing-profile labels mean for your eligibility. The carrier writes DUI filings in 15 states, but access method and underwriting appetite vary by market.
Find out exactly how long SR-22 is required in your state
Infinity DUI Filing Markets
15 states
Infinity writes after-DUI SR-22 filings in 15 states, but market tier and quote channel differ by state. Some allow direct online quote; others require broker placement through an appointed agent.
Carrier filing profile verification, 2025
Two-Tier Market Structure
Infinity operates as both a direct carrier and a broker-placed non-standard carrier depending on state. In direct-quote states, you can apply online or by phone and receive a quote without agent involvement. In broker-only states, Infinity does not quote consumers directly—you must work with an independent agent appointed to place business with them.
The tier is not visible from the outside. Their website does not publish a state-by-state access map, and the quote form does not clarify whether your state requires broker placement until after you submit your violation profile. Most drivers learn they are in a broker-only state when the call center redirects them to find a local agent.
The filing-profile label 'after-DUI' means Infinity will underwrite a policy with an SR-22 filing attached for a DUI conviction. It does not mean automatic approval. Underwriting still evaluates conviction date, BAC level, whether the DUI involved an accident, and whether you hold a valid license. The label signals eligibility to apply, not guaranteed acceptance.
Broker-only states require agent placement—Infinity will not quote you directly, and the website does not clarify this until after you submit your profile.
How to Identify Your State's Access Path
Start at Infinity's consumer website and enter your ZIP code, vehicle, and violation profile. If the system generates a quote or routes you to a call center that provides pricing over the phone, your state allows direct access. If the system redirects you to a broker locator or tells you to contact a local agent, your state is broker-only. The redirect happens after you submit violation details, not at the ZIP entry screen.
When broker placement is required, ask the agent whether they are appointed with Infinity and whether they can quote non-standard DUI filings. Not all independent agents carry Infinity appointments, and some agents appointed with Infinity do not write their non-standard tier. The agent must confirm both before they can provide a quote.
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Filing Profile and Underwriting Constraints
Infinity's 'after-DUI' filing profile does not extend to all DUI scenarios. The carrier typically excludes applicants with multiple DUIs within three years, DUIs involving serious injury or fatality, and DUIs combined with other major violations like reckless driving or hit-and-run. These exclusions are underwriting guidelines, not state-specific rules, and apply across all 15 markets.
The SR-22 filing itself is a separate transaction from policy issuance. Infinity files the certificate with your state DMV after the policy binds, usually within one to three business days. The filing fee is set by Infinity and varies by state, typically between $15 and $35. This fee is in addition to your premium and is charged once at policy inception, not annually.
If your DUI occurred in a state that requires FR-44 filing instead of SR-22—Florida and Virginia for DUI cases—verify that Infinity writes FR-44 in your state before applying. The filing-profile label 'after-DUI' does not automatically mean FR-44 eligibility. Some carriers write SR-22 but not FR-44, and the two certificates are not interchangeable.
Infinity SR-22 Filing Fee Range
$15–$35
Infinity charges a one-time SR-22 filing fee at policy inception, set by the carrier and varying by state. This fee is separate from your premium and is not refundable if you cancel the policy mid-term.
Carrier fee schedule verification, 2025
What Happens After You Apply
Once you submit an application—either directly or through a broker—Infinity's underwriting team reviews your motor vehicle record, conviction details, and license status. Approval is not instant. Expect a decision within one to three business days for straightforward DUI cases. If your case involves additional violations, an accident, or a license suspension still in effect, underwriting may request additional documentation or decline the application.
If approved, Infinity binds the policy and files the SR-22 certificate with your state DMV. You receive a copy of the filed certificate by email or mail, depending on your state's process. Keep this certificate. Some states require you to carry proof of SR-22 filing in your vehicle, and you will need it if your license is currently suspended and you are applying for reinstatement.
Compare Infinity Against Other Non-Standard Carriers
Infinity is one option in the non-standard DUI market, not the only option. Other carriers writing after-DUI SR-22 filings include Progressive, The General, Dairyland, Bristol West, and Direct Auto. Each carrier's underwriting appetite, rate structure, and state footprint differ. Infinity may be the lowest-cost option in one state and uncompetitive in another.
Request quotes from at least three carriers that write DUI filings in your state. Compare not just the monthly premium but also the filing fee, down payment requirement, payment plan options, and whether the carrier allows online policy management. Some non-standard carriers require payment by phone or mail, which adds friction if you need to make a mid-term change or file a claim.
If you are in a broker-only state, ask your agent to quote multiple carriers in a single session. Independent agents typically have appointments with several non-standard carriers and can provide side-by-side comparisons without requiring you to contact each carrier separately. This saves time and ensures you see the actual rate difference rather than guessing based on online estimates.