Unfortunately if you are required by your state to carry SR-22 insurance, it isn’t optional.  If you choose not to maintain SR-22 insurance coverage for the required time period, you will lose your driver’s license and could end up paying numerous fines.  Some people think that they can just purchase SR22 insurance for a short time to get their driver’s license reinstated and then cancel afterwards without the state finding out.  An SR-22 filing is designed to prevent drivers from doing this very thing. 

Once you purchase SR-22 insurance the insurance company files an SR-22 form with the state.  Once this filing is in place, the auto insurance company is required to notify the state if your SR-22 insurance coverage lapses for any reason, so there is basically no way to hide that you do not have insurance. 

If you are required to carry SR-22 insurance there is no way around it if you want to get your driver’s license back.  Some drivers are concerned about the cost of SR-22 insurance.  While SR-22 insurance is considered high risk, it is possible to find SR22 for an affordable price.  The best thing you can do is to compare SR-22 quotes from multiple insurance providers.  One company might offer you a rate of $150 a month, and a different company might offer you a rate of $100 a month.  If you had gone with the first company you would have been overpaying by $50 a month.  Filling out quotes can seem like a pain, but it is definitely worth the money you will save on your SR-22 insurance.