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

Where it is now

Done: IntroducedJanuary 21, 2026
Done: SubcommitteeJanuary 21, 2026
Stopped: Senate committeeDied when the General Assembly ended
Next: Passes the Senate
Next: House committeeFunnel: by March 20, 2026
Next: Passes the House
Next: To the Governor
Next: Signed into law

Died when the session ended The 2026 session adjourned on May 3, 2026, the General Assembly’s last regular session. Bills that didn’t pass both chambers died. What’s a funnel?

What’s in it

AI summary Drivers in Iowa would be required to carry more insurance money to cover injuries or property damage caused in a car accident. If a person drives without this required amount of coverage, they could face fines, jail time, or have their vehicle impounded. These changes affect anyone who operates a motor vehicle on public roads.¹

Read the official explanation

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. 20B prohibits a person from driving a motor vehicle unless financial liability coverage is in effect for the vehicle and the person carries proof of such coverage. By operation of law, the associated coverage amounts are increased by the bill.20B commits a simple misdemeanor punishable by a $325 scheduled fine. If a violation is discovered in connection with a motor vehicle accident, the fine increases to $645. The person is also subject to possible removal of the vehicle’s registration plates and registration receipt, and impoundment of the vehicle.

Full bill text²

Senate subcommittee

Named January 21, 2026. It hasn’t reported yet.

Three legislators hear a bill first and recommend what the committee should do; it’s the best time to weigh in. How to take part

Iowa Code it changes

Amends§321A.1 §321A.15 §321A.21 §321A.5

How the Code works³

Lobbying

2 for · 0 against · 1 undecided · Who →

Family tree

Tried before

HF 2084Cleared committee90th GA

91st General Assembly

SF 2073Cleared committee

Earlier and later bills are matched by wording or an identical title.

Tried before

This idea has been filed in an earlier General Assembly. None got through a chamber.

HF 2084 Relating to the minimum amounts required for motor vehicle financial responsibility, and m…
90th General Assembly · Subcommittee recommends passage · nearly identical
Cleared committee

Similar bills this General Assembly

HF 6 Relating to the minimum amounts required for motor vehicle financial responsibility, and m…
91st General Assembly · Subcommittee recommends passage
Nearly identical
HF 129 Relating to the minimum amounts required for motor vehicle financial responsibility, and m…
91st General Assembly · Renumbered as HF 2352
Similar

Matched by wording or an identical title.