SF 119: Relating to the minimum amounts required for motor vehicle financial responsibility, and making penalties applicable

What it does

This bill increases the minimum amounts of coverage required for motor vehicle financial responsibility for bodily injury or death of one person ($20,000 to $50,000), bodily injury or death of two or more persons ($40,000 to $100,000), and property damage ($15,000 to $25,000).4) while operating but not engaged in a prearranged ride. The bill makes corresponding changes to provisions regarding associated policies, bonds, and judgments. A person who violates a provision of Code chapter 321A which does not otherwise provide a penalty commits a serious misdemeanor, punishable by confinement for no more than one year and a fine of at least $430 but not more than $2,560.

Senate subcommittee · named January 22, 2026

• Sen. David D. Rowley (R) · david.rowley@legis.iowa.gov
• Sen. Dawn Driscoll (R) · dawn.driscoll@legis.iowa.gov
• Sen. Izaah Knox (D) · izaah.knox@legis.iowa.gov

Lobbying · 3 for, 4 against

For: Independent Insurance Agents of Iowa; Iowa Association for Justice; Iowa State Bar Association

Against: American Property Casualty Insurance Association (APCIA); Iowa Insurance Associates; National Association of Mutual Insurance Companies (NAMIC); State Farm Insurance

In plain words

1. January 23, 2025Filed in the Senate and sent to the Commerce committee
2. January 27, 2025Senate subcommittee named: Rowley, Knox and Zumbach
3. February 3, 2025Subcommittee recommended passing it
4. February 24, 2025Approved by the Senate committee
5. June 16, 2025Sent to the Senate Commerce committee
6. January 22, 2026Senate subcommittee named: Rowley, Driscoll and Knox
7. January 28, 2026Subcommittee recommended passing it with changes