Iowa 2025-2026 Regular Session Status: Passed House

HF 918 — A bill for an act relating to motor vehicle financial liability coverage, providing penalties, and including effective date provisions.

Last action — Fiscal note.

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. 3
    Passed House
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill has passed the House. Introduced March 11, 2025. It now moves to the second chamber.

Next likely step: consideration and a floor vote in the Senate.

Prognosis

Advancing 46% · moderate confidence

Where this bill stands today.

Odds of enactment

High

How often bills like it became law.

  • Passed House

    Current position in the legislative process.

  • 1 sponsor

    1 primary, 0 co-sponsors signed on.

  • Cleared a recorded vote

    Passed 1 recorded vote so far.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Bill Text

What changed in the latest version

91 added · 189 removed

Plain-language change summary

In the latest version of House File 918, the process for handling drivers who cannot provide proof of insurance has been streamlined. Specifically, if a driver produces proof of insurance before their court date, they will now receive a receipt confirming this, which can help them avoid penalties. This change is significant because it aims to simplify court procedures and potentially lessen the burden on drivers who mistakenly lack documentation during a traffic stop but had valid insurance at the time.

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Previous
Latest
House File 918 - Introduced HOUSE FILE 918 BY COMMITTEE ON PUBLIC SAFETY (SUCCESSOR TO HSB 172) A BILL FOR An Act relating to motor vehicle financial liability coverage, and providing penalties.
House File 918 - Reprinted HOUSE FILE 918 BY COMMITTEE ON PUBLIC SAFETY (SUCCESSOR TO HSB 172) (As Amended and Passed by the House March 25, 2025) A BILL FOR An Act relating to motor vehicle financial liability coverage, providing penalties, and including effective date provisions.
TLSB 2680HV (2) 91 th/ns H.F.
HF 918 (3) 91 th/ns/md H.F.
Section 321.20B, subsection 4, paragraph a, unnumbered paragraph 1, Code 2025, is amended to read as follows:
If a peace officer stops a motor vehicle registered in this state and the driver is unable to provide proof of financial liability coverage, the peace officer shall do one of the following if the driver has not been convicted of a violation of subsection 1 within the previous five-year period:
Sec.
3.
4.
3.
Section 321.20B, subsection 5, unnumbered paragraph 1, Code 2025, is amended to read as follows:
If the a peace officer stops a motor vehicle is not registered in this state and the driver is a nonresident and unable to provide proof of financial liability coverage, the peace officer shall do one of the following if the driver has not been convicted of a violation of subsection 1 within the previous five-year period :
Sec.
5.
6.
4.
Section 321.20B, Code 2025, is amended by adding the LSB 2680HV (2) 91 -1- th/ns 1/6 H.F.
Section 321.20B, Code 2025, is amended by adding the following new subsections:
918 following new subsections:
If a peace officer stops a motor vehicle and the driver is unable to provide proof of financial liability coverage and has been convicted of a violation of subsection 1 within the previous five-year period, the peace officer shall arrest the driver.
a.
If the motor vehicle is registered in this state, the peace officer may remove the motor vehicle’s registration plates and registration receipt, in which case subsection 4, paragraph “a”, subparagraph (3), subparagraph division (a), applies.
b.
The peace officer may impound the motor vehicle, in which case subsection 4, paragraph “a”, subparagraph (4), subparagraph divisions (b) and (c), apply.
c.
If the peace officer takes action under paragraph “a” or “b”, and the owner of the vehicle provides proof of financial liability coverage to the clerk of court, subsection 4, paragraph “b”, subparagraph (1), applies.
NEW SUBSECTION .
5B.
5C.
5B.
a.
A person convicted of a violation of subsection 1 is guilty of a simple misdemeanor punishable as HF 918 (3) 91 -1- th/ns/md 1/3 H.F.
Except as provided in paragraph “b”, a person convicted of a violation of subsection 1 is guilty of a simple misdemeanor punishable as a scheduled violation under section 805.8A, subsection 14, paragraph “f”.
918 a scheduled violation under section 805.8A, subsection 14, paragraph “f”.
LSB 2680HV (2) 91 -2- th/ns 2/6 H.F.
918 b.
A person convicted of a second or subsequent violation of subsection 1 within a five-year period is guilty of an aggravated misdemeanor.
7.
5.
NEW SUBSECTION .
NEW SUBSECTION.
8.
6.
9.
7.
Notwithstanding section 805.12, fines collected pursuant to this paragraph shall be submitted to the state court administrator and distributed fifty percent to the victim compensation fund established in section 915.94, twenty-five percent to the county in which such fine is imposed, and twenty-five percent LSB 2680HV (2) 91 -3- th/ns 3/6 H.F.
(1) The scheduled fine for a violation of section 321.20B, subsection 1, is as follows:
918 to the general fund of the state.
(a) If the violation occurred in connection with a motor vehicle accident ............$645.
This paragraph does not apply to a person charged under section 321.20B, subsection 5C, paragraph “b”.
(b) If the violation did not occur in connection with a motor vehicle accident ............$325.
EXPLANATION The inclusion of this explanation does not constitute agreement with the explanation’s substance by the members of the general assembly.
HF 918 (3) 91 -2- th/ns/md 2/3 H.F.
This bill relates to motor vehicle financial liability coverage.
918 (c) For a second violation within five years, the scheduled fine under subparagraph division (a) or (b), as applicable, shall be doubled.
The bill requires the owner of a motor vehicle to certify that financial liability coverage is in effect for the vehicle as required under Code section 321.20B at the time the vehicle is registered and each time the registration is renewed.
(d) For a third or subsequent violation within five years, the scheduled fine under subparagraph division (a) or (b), as applicable, shall be tripled.
At the time of application for registration of a motor vehicle, the owner is required to provide a copy of the proof of financial liability coverage card issued for the motor vehicle, a description of the coverage as noted on the card, or other documentation acceptable to the department of transportation (DOT).
(2) Notwithstanding section 805.12, fines collected pursuant to this paragraph shall be submitted to the state court administrator and distributed fifty percent to the victim compensation fund established in section 915.94, twenty-five percent to the county in which such fine is imposed, and twenty-five percent to the general fund of the state.
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The DOT or county treasurer cannot register a motor vehicle or renew a registration in the absence of satisfactory proof that financial liability coverage is in effect for the vehicle.
Sec.
These provisions do not apply to motor vehicles excluded from the requirements of Code section 321.20B.
8.
Under current law, a person driving a motor vehicle on a highway is required to have financial liability coverage in effect for the motor vehicle and have the proof of financial liability coverage card issued for the motor vehicle in the motor vehicle, unless specifically excepted.
EFFECTIVE DATE.
For a violation of these provisions, a peace officer is required to issue a warning memorandum;
The following take effect December 1, 2028:
issue a citation;
1.
issue a citation and remove the motor vehicle’s license plates and registration receipt;
The section of this Act enacting section 321.20, subsection 1, paragraph “g”.
or issue a citation, remove the motor vehicle’s license plates and registration receipt, and impound the motor vehicle, when the officer stops a driver whose vehicle is registered in Iowa.
2.
If the vehicle is not registered in Iowa and the driver is a nonresident, the peace officer must issue a LSB 2680HV (2) 91 -4- th/ns 4/6 H.F.
The section of this Act enacting section 321.30, subsection 4.
918 warning memorandum or a citation.
3.
A person who does not have financial liability coverage in effect for the vehicle or who does not carry proof of such coverage in the vehicle commits a simple misdemeanor punishable as a scheduled violation.
The section of this Act enacting section 321.40, subsection 11.
If in connection with a motor vehicle accident, the scheduled fine is $645;
HF 918 (3) 91 -3- th/ns/md 3/3
otherwise, the scheduled fine is $325.
A fine collected must be submitted to the state court administrator and distributed 50 percent to the victim compensation fund, 25 percent to the county in which such fine is imposed, and 25 percent to the general fund of the state.
The bill makes a second or subsequent violation of Code section 321.20B(1) within five years an aggravated misdemeanor.
For the penalty enhancement, the bill does not distinguish between vehicles registered in Iowa, or not, or drivers who are residents of Iowa, or not.
A peace officer is required to arrest the driver if the driver cannot provide proof of financial liability coverage and was previously convicted for the same violation within five years.
A peace officer may remove the motor vehicle’s registration plates and registration receipt, or impound the motor vehicle, in which case associated procedures under current law apply.
In accordance with current law, a person cited for a violation, including a person arrested for a second or subsequent violation under the bill, may provide proof that financial liability coverage was in effect at the time the person was stopped and the court must dismiss the citation or charge and assess costs to the person.
An aggravated misdemeanor is punishable by confinement for no more than two years and a fine of at least $855 but not more than $8,540.
The fine will be collected by the clerk of the district court and submitted to the state court administrator for distribution as provided in Code section 602.8108.
Financial liability coverage is generally required to be in effect for every motor vehicle driven on Iowa highways.
However, the requirement does not apply to vehicles owned by or leased to the United States, Iowa, or another state, or any LSB 2680HV (2) 91 -5- th/ns 5/6 H.F.
918 political subdivision thereof;
vehicles subject to Code section 325A.6 (motor carrier insurance);
certain motor vehicles not subject to registration (Code section 321.18);
a lienholder with a security interest in a motor vehicle that does not drive or move the vehicle;
and motor vehicles owned by a motor vehicle dealer or wholesaler licensed pursuant to Code chapter 322.
The bill makes organizational changes to Code section 321.20B.
LSB 2680HV (2) 91 -6- th/ns 6/6
View plain text versions (2)

Amendments

1 amendment

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Action History

  1. Fiscal note.

  2. Explanation of vote.

  3. Subcommittee: Klimesh, Townsend, and Zumbach.

  4. Referred to Transportation.

  5. Read first time, passed on file.

  6. Message from House.

  7. Immediate message.

  8. Passed House, yeas 91, nays 6.

  9. Amendments H-1154 and H-1166 adopted.

  10. Fiscal note.

  11. Amendments H-1154 and H-1166 filed.

  12. Introduced, placed on calendar.

Sponsors

  • COMMITTEE ON PUBLIC SAFETY · Primary

Sponsorship breakdown

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1 sponsors · 0 co-sponsors · 149 not signed on · 6 voted No

Sponsors (1)

  • COMMITTEE ON PUBLIC SAFETY

Co-sponsors (0)

None.

Not signed on (149)

149 members have not signed on to this bill.

Show all 149 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

Shall the bill pass?

Passed 91 Yea · 6 Nay · 3 Other
Party YeaNayPresentNot Voting
Democrat 25601
Unaffiliated 4000
Republican 64002
Total 93603
% of votes cast 91%6%0%3%
How each member voted (102)
Member Party Vote
Jr. — Yea
Kniff — Yea
Scheetz — Yea
Sexton — Yea
Adam Zabner Democrat Yea
Aime Wichtendahl Democrat Yea
Amy Nielsen Democrat Yea
Austin Baeth Democrat Yea
Beth Wessel-Kroeschell Democrat Nay
Bob Kressig Democrat Yea
Brian Meyer Democrat Nay
Daniel Gosa Democrat Yea
David Jacoby Democrat Yea
Dr. Megan L. Srinivas Democrat Nay
Elinor A. Levin Democrat Yea
Elizabeth Wilson Democrat Yea
Eric J. Gjerde Democrat Yea
Heather Matson Democrat Yea
J.D. Scholten Democrat Yea
Jeff Cooling Democrat Yea
Jennifer Konfrst Democrat Yea
Jerome Amos Jr. Democrat Yea
Josh Turek Democrat Nay
Ken Croken Democrat Yea
Kenan Judge Democrat Yea
Larry McBurney Democrat Yea
Lindsay James Democrat Yea
Mary Lee Madison Democrat Nay
Monica Kurth Democrat Yea
Rick L. Olson Democrat Nay
Rob Johnson Democrat Yea
Ross Wilburn Democrat Yea
Ruth Ann Gaines Democrat Not Voting
Sean Bagniewski Democrat Yea
Timi M. Brown-Powers Democrat Yea
Tracy A. Ehlert Democrat Yea
Ann Meyer Republican Yea
Austin Harris Republican Yea
Barb Kniff McCulla Republican Yea
Bill Gustoff Republican Yea
Blaine C. Watkins Republican Yea
Bob Henderson Republican Yea
Bobby Kaufmann Republican Yea
Brent Siegrist Republican Not Voting
Brett Barker Republican Yea
Brian K. Lohse Republican Yea
Brooke Boden Republican Yea
Carter F. Nordman Republican Yea
Chad Behn Republican Yea
Chad Ingels Republican Yea
Charley Thomson Republican Yea
Christian A. Hermanson Republican Yea
Cindy Golding Republican Yea
Craig P. Johnson Republican Yea
Craig Steven Williams Republican Yea
Dan Gehlbach Republican Yea
David E. Young Republican Yea
David L. Blom Republican Yea
David Sieck Republican Yea
Dean Fisher Republican Yea
Derek Wulf Republican Yea
Devon Wood Republican Yea
Dr. Steven P. Bradley Republican Yea
Eddie Andrews Republican Yea
Gary M. Mohr Republican Yea
Hans C. Wilz Republican Yea
Heather Hora Republican Yea
Helena Hayes Republican Yea
Henry Stone Republican Yea
Jacob Bossman Republican Yea
Jane Bloomingdale Republican Yea
Jason Gearhart Republican Yea
Jennifer J. Smith Republican Yea
John H. Wills Republican Yea
Jon Dunwell Republican Yea
Joshua Meggers Republican Yea
Judd Lawler Republican Yea
Mark Cisneros Republican Yea
Mark I. Thompson Republican Yea
Matt W. Windschitl Republican Yea
Matthew Rinker Republican Yea
Megan Jones Republican Yea
Michael R. Bergan Republican Yea
Mike Vondran Republican Yea
Norlin G. Mommsen Republican Yea
Pat Grassley Republican Yea
Ray Sorensen Republican Yea
Ryan Weldon Republican Yea
Sam Wengryn Republican Yea
Samantha Fett Republican Not Voting
Shannon Latham Republican Yea
Shannon Lundgren Republican Yea
Skyler Wheeler Republican Yea
Steven C. Holt Republican Yea
Taylor R. Collins Republican Yea
Thomas Gerhold Republican Yea
Thomas Jay Moore Republican Yea
Thomas M. Jeneary Republican Yea
Tom Determann Republican Yea
Tom Shipley Republican Yea
Travis M. Sitzmann Republican Yea
Zach Dieken Republican Yea

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Subjects

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Frequently asked questions

Who sponsors HF 918?
HF 918 is sponsored by COMMITTEE ON PUBLIC SAFETY.
What is the current status of HF 918?
This bill has passed the House. Introduced March 11, 2025. It now moves to the second chamber.
Where can I track HF 918?
Track HF 918 free on One Click Politics — get push/email alerts when it moves.

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