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.
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✓Introduced
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✓In Committee
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3Passed House
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4Passed Senate
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5To Executive
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6Enacted
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
Where this bill stands today.
Odds of enactment
HighHow often bills like it became law.
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Passed House
Current position in the legislative process.
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1 sponsor
1 primary, 0 co-sponsors signed on.
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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 removedPlain-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.
House File 918 - IntroducedReprinted 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 providingincluding penalties.effective date provisions.
TLSBHF 2680HV918 (2)(3) 91 th/nsth/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 LSBfollowing 2680HVnew (2)subsections: 91 -1- th/ns 1/6 H.F.
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.
Except918 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”.
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 SUBSECTIONSUBSECTION. .
8.6.
9.7.
Notwithstanding(1) sectionThe 805.12,scheduled finesfine collectedfor pursuanta toviolation thisof paragraph shall be submitted to the state court administrator and distributed fifty percent to the victim compensation fund established in section 915.94,321.20B, twenty-fivesubsection percent1, to the county in which such fine is imposed,as andfollows: twenty-five percent LSB 2680HV (2) 91 -3- th/ns 3/6 H.F.
918(a) toIf the generalviolation fundoccurred ofin theconnection state.with a motor vehicle accident ............$645.
This(b) paragraphIf doesthe notviolation applydid tonot aoccur personin chargedconnection underwith sectiona 321.20B,motor subsectionvehicle 5C,accident paragraph............$325. “b”.
EXPLANATIONHF The918 inclusion(3) of91 this-2- explanationth/ns/md does2/3 notH.F. constitute agreement with the explanation’s substance by the members of the general assembly.
This918 bill(c) relatesFor toa motorsecond vehicleviolation financialwithin liabilityfive coverage.years, the scheduled fine under subparagraph division (a) or (b), as applicable, shall be doubled.
The(d) billFor requires the owner of a motorthird vehicleor tosubsequent certifyviolation thatwithin financialfive liabilityyears, coverage is in effect for the vehiclescheduled asfine required under Codesubparagraph sectiondivision 321.20B(a) ator the(b), timeas theapplicable, vehicleshall isbe registeredtripled. and each time the registration is renewed.
At(2) theNotwithstanding timesection of805.12, applicationfines forcollected registrationpursuant ofto athis motorparagraph vehicle,shall thebe ownersubmitted is required to providethe astate copycourt ofadministrator theand proofdistributed offifty financialpercent liabilityto coveragethe cardvictim issuedcompensation forfund theestablished motorin vehicle,section a915.94, descriptiontwenty-five ofpercent to the coveragecounty asin notedwhich onsuch thefine card,is orimposed, otherand documentationtwenty-five acceptablepercent to the departmentgeneral fund of transportationthe (DOT).state.
Show all 69 changed lines (29 more)
TheSec. 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.
These8. provisions do not apply to motor vehicles excluded from the requirements of Code section 321.20B.
UnderEFFECTIVE currentDATE. 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.
ForThe afollowing violationtake ofeffect theseDecember provisions,1, a2028: peace officer is required to issue a warning memorandum;
issue1. a citation;
issueThe asection citationof andthis removeAct theenacting motorsection vehicle’s321.20, licensesubsection plates1, andparagraph registration“g”. receipt;
or2. 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.
IfThe thesection vehicleof isthis notAct registeredenacting insection Iowa321.30, andsubsection the4. driver is a nonresident, the peace officer must issue a LSB 2680HV (2) 91 -4- th/ns 4/6 H.F.
9183. warning memorandum or a citation.
AThe personsection who does not have financial liability coverage in effect for the vehicle or who does not carry proof of suchthis coverageAct inenacting thesection vehicle321.40, commitssubsection a11. simple misdemeanor punishable as a scheduled violation.
IfHF in918 connection(3) with91 a-3- motorth/ns/md vehicle3/3 accident, the scheduled fine is $645;
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
Show all 69 changed rows (29 more)
Amendments
1 amendmentClick Show changes on an amendment above to see how it modifies the bill.
Action History
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Fiscal note.
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Explanation of vote.
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Subcommittee: Klimesh, Townsend, and Zumbach.
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Referred to Transportation.
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Read first time, passed on file.
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Message from House.
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Immediate message.
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Passed House, yeas 91, nays 6.
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Amendments H-1154 and H-1166 adopted.
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Fiscal note.
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Amendments H-1154 and H-1166 filed.
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Introduced, placed on calendar.
Sponsors
- COMMITTEE ON PUBLIC SAFETY · Primary
Sponsorship breakdown
Export CSV (upgrade) →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.
Votes
| Party | Yea | Nay | Present | Not Voting |
|---|---|---|---|---|
| Democrat | 25 | 6 | 0 | 1 |
| Unaffiliated | 4 | 0 | 0 | 0 |
| Republican | 64 | 0 | 0 | 2 |
| Total | 93 | 6 | 0 | 3 |
| % 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 |
Subjects
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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