Rejoice, if you didn't know what an SR-22 is! Like most people, it's likely because the state hasn't required you to have one.
An SR-22 is typically required for those who have let their insurance lapse, while still driving or have been nabbed while driving under the influence, among other possibilities. The state of Oregon audits random drivers to make sure that they have coverage and have had coverage at all times. I, myself, was audited at one time and asked to show proof of insurance for a certain period of time on a car that I once owned for a short time, but had long since sold. Fortunately, I always have good coverage.
An SR-22 requires the person to maintain insurance liability for a certain length of time (3 years in Oregon and most states) with no lapses in coverage. If there is a lapse, the insurance carrier is required to notify the DMV . A lapse typically results in suspension of the license until the SR-22 time is passed, unless it is immediately renewed. The SR-22 requirement may start all over again if one is caught driving without insurance coverage. Getting caught by the police while driving uninsured can result in the immediate revocation of license and impounding of vehicle .
The actual cost of having an SR-22 added to your insurance coverage varies, but was only $8 more on the last customer SR-22 I wrote in Oregon. The real expense isn't adding the SR-22, it's the situation that causes you to need one, so keep up your coverage!