Bills › 91st General Assembly
Relating to the minimum amounts required for motor vehicle financial responsibility, and making penalties applicable
Sponsored by Sen. David D. Rowley (R)
Topics:InsuranceTransportation
Same legislation: HF 6
Where it is now
- Done: IntroducedJanuary 14, 2025
- Done: SubcommitteeJanuary 27, 2025
- Done: Senate committeeFebruary 24, 2025
- Stopped: Passes the SenateDied when the General Assembly ended
- 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 increased amount of coverage, they could face fines, lose their license plates, or have their vehicle taken away. These changes affect anyone driving 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.
Senate subcommittee
Named January 22, 2026. On January 28, 2026 it recommended amendment and passage.
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
1 written public comment to its subcommittee: January 28, 2026 (1) · on the Legislature’s site
Iowa Code it changes
Lobbying
3 for · 4 against · 15 undecided · Who →
Family tree
Tried before
91st General Assembly
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 identicalCleared committee
Similar bills this General Assembly
- SF 2073 Relating to the minimum amounts required for motor vehicle financial responsibility, and m…91st General Assembly · In committeeNearly identical
- HF 129 Relating to the minimum amounts required for motor vehicle financial responsibility, and m…91st General Assembly · Renumbered as HF 2352Similar
Matched by wording or an identical title.