An in-vehicle information system includes: an information terminal; and an in-vehicle apparatus. At least one of the information terminal and the in-vehicle apparatus decides whether or not a vehicle is currently in a traveling state. The in-vehicle apparatus includes a display unit with a display screen, and restricts an image area ranging over part of or all of the display screen to be obscured from view when deciding that the vehicle is currently in a traveling state. The information terminal includes an application stored therein, outputs an image corresponding to the application to the in-vehicle apparatus, and outputs regulatory information pertaining to an image area to be restricted within the image corresponding to the application, to the in-vehicle apparatus. The in-vehicle apparatus sets an image area in the display screen to be restricted by using the regulatory information output by the information terminal.