An in-vehicle information system, comprising: an information terminal; and an in-vehicle apparatus installed in a vehicle, wherein: at least one of the information terminal and the in-vehicle apparatus includes a traveling decision-making means for making a decision as to whether or not the vehicle is currently in a traveling state; the in-vehicle apparatus includes a display means for displaying an image at a display screen, and a display regulating means for restricting an image area ranging over part of or all of the display screen to be obscured from view when the traveling decision-making means decides that the vehicle is currently in a traveling state; the information terminal includes a first storage means in which an application is stored, an image output means for outputing an image corresponding to the application to the in-vehicle apparatus, and a regulatory information output means for outputting regulatory information pertaining to an image area to be restricted by the display regulating means within the image corresponding to the application, to the in-vehicle apparatus; and characterized in that: the regulatory information includes coordinates information that specifies a shape of an image area to be restricted for being obscured from view; and the display regulating means sets an image area in the display screen to be restricted for being obscured from view by using the regulatory information output by the regulatory information output means. an information terminal; and an in-vehicle apparatus installed in a vehicle, wherein: at least one of the information terminal and the in-vehicle apparatus includes a traveling decision-making means for making a decision as to whether or not the vehicle is currently in a traveling state; the in-vehicle apparatus includes a display means for displaying an image at a display screen, and a display regulating means for restricting an image area ranging over part of or all of the display screen to be obscured from view when the traveling decision-making means decides that the vehicle is currently in a traveling state; the information terminal includes a first storage means in which an application is stored, an image output means for outputing an image corresponding to the application to the in-vehicle apparatus, and a regulatory information output means for outputting regulatory information pertaining to an image area to be restricted by the display regulating means within the image corresponding to the application, to the in-vehicle apparatus; and at least one of the information terminal and the in-vehicle apparatus includes a traveling decision-making means for making a decision as to whether or not the vehicle is currently in a traveling state; the in-vehicle apparatus includes a display means for displaying an image at a display screen, and a display regulating means for restricting an image area ranging over part of or all of the display screen to be obscured from view when the traveling decision-making means decides that the vehicle is currently in a traveling state; a display means for displaying an image at a display screen, and a display regulating means for restricting an image area ranging over part of or all of the display screen to be obscured from view when the traveling decision-making means decides that the vehicle is currently in a traveling state; the information terminal includes a first storage means in which an application is stored, an image output means for outputing an image corresponding to the application to the in-vehicle apparatus, and a regulatory information output means for outputting regulatory information pertaining to an image area to be restricted by the display regulating means within the image corresponding to the application, to the in-vehicle apparatus; and a first storage means in which an application is stored, an image output means for outputing an image corresponding to the application to the in-vehicle apparatus, and a regulatory information output means for outputting regulatory information pertaining to an image area to be restricted by the display regulating means within the image corresponding to the application, to the in-vehicle apparatus; and the regulatory information includes coordinates information that specifies a shape of an image area to be restricted for being obscured from view; and the display regulating means sets an image area in the display screen to be restricted for being obscured from view by using the regulatory information output by the regulatory information output means.