SR-22 auto insurance is really a document that verifies that you have insurance. Also known as the Certificate of Financial Responsibility, it's required by courts or some states if you commit certain driving offenses, such as driving-while-intoxicated violations or driving without insurance and causing an accident. This verification can be filed electronically by the insurance company directly to the state Department of Motor Vehicles in some cases, and any state required minimums must be met.
Keeping SR-22 auto insurance
If you cancel your auto insurance policy, or allow it to lapse, then your insurance company must notify the state by filing an SR-26 form. This lets your state know that you are not insured, which may trigger negative consequences for you regarding your ability to drive in the state.
It's important to keep your policy active if you require SR-22 auto insurance, in order to avoid any fees or penalties from your state's Department of Motor Vehicles . You may have to keep your insurance active for three years (each state is different), depending on the driving violation that made it necessary for you to obtain this coverage in the first place.