Unless there is a loan on the vehicle and the bank is requiring that she have physical damage coverage, she can carry the state minimum for the purpose of keeping the car legal. If she wants to completely cancel her policy then she would need to turn in the vehicle's registration tag to the state. If she cancels her policy and returns the registration, she will need to re-register the car and insure it before she is able to legally drive it again. She can always shop around
if she is needing a less expensive policy.