Certain motor vehicle violations can result in penalties including suspension of your driver’s license. If you own no car but need SR22 insurance, you’ll need to file a non owner SR22 insurance Iowa certificate for license reinstatement. The Iowa non owner SR22 certificate is filed with the Iowa Department of Transportation (DOT), then monitored closely for a period of time determined by the state. If you don’t maintain the insurance during that time, the Iowa DOT is notified. That results in a repeat license suspension.