“If you no longer own your vehicle, you are not required to maintain your car insurance.
Your insurance company most likely wanted to prevent a lapse in coverage and assumed you’d be getting a new vehicle to insure. Had you canceled your insurance and then gotten a new vehicle two months later, you would have had a lapse in coverage that increased your rate.
Since you aren’t planning on getting a new vehicle in the near future and are covered under someone else’s policy, you should cancel your insurance.
Additionally, you may be able to get some money back. Since the vehicle was marked a total loss and you no longer own it, you may be refunded a portion of the premiums you paid while maintaining your insurance. “