An SR-22 is a certificate of financial responsibility required for some drivers by their state or court order. It is not an actual "type" of insurance, but a form filed with your state that serves as proof your auto insurance policy meets the minimum liability coverage required by state law. An SR-22 is required for certain driving-related violations such as DUI convictions, reckless driving, accidents caused by uninsured drivers, and license suspension or revocation. Not everyone needs an SR-22, and regulations vary from state to state. If you need an SR-22, the courts or your state Motor Vehicle Department will notify you. Your SR-22 should be valid as long as your insurance policy is active, and if your insurance policy is canceled while youre still required to carry an SR-22, the proper state authorities will be notified. The terms and requirements of an SR-22 vary by state, but generally, you must retain both the SR-22 and your auto insurance policy for approximately three years. If your policy lapses or expires during this period, your insurance company is required to notify the state, and your license will be suspended until your insurance has been reinstated.