Illinois: Financial responsibility & insurance — Part 2 Practice Test
Questions in this part include: “Receiving court supervision for which violation requires you to file proof of financial responsibility?” · “What is the minimum liability insurance limit in Illinois for damage to another person's property?”
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Questions are original and based on the official manual "Illinois Rules of the Road" (2026), Illinois Secretary of State.
All 19 questions in this practice test
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Receiving court supervision for which violation requires you to file proof of financial responsibility?
- A parking meter violation
- A seat belt violation
- An expired registration sticker
- A mandatory insurance violation
Show answer
Correct answer: A mandatory insurance violation
Receiving court supervision for a mandatory insurance violation is one of the cases that requires proof of financial responsibility.
Source: Illinois Rules of the Road (2026), page 56
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Which of these may be used as proof of financial responsibility?
- A copy of your vehicle title
- A paid parking receipt
- A certificate of insurance (SR-22)
- Your vehicle’s repair invoice
Show answer
Correct answer: A certificate of insurance (SR-22)
Proof of financial responsibility may include a certificate of insurance (SR-22), a bond, or a deposit of securities such as stock certificates.
Source: Illinois Rules of the Road (2026), page 56
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Who files the SR-22 certificate of insurance with the Secretary of State?
- The insurance company
- The driver, in person
- The arresting police officer
- The circuit court clerk
Show answer
Correct answer: The insurance company
The SR-22 is filed directly with the Secretary of State by the insurance company.
Source: Illinois Rules of the Road (2026), page 56
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While the Secretary of State monitors your financial responsibility insurance, what happens if the coverage is canceled or not renewed?
- Nothing, as long as no crash occurs
- You only receive a reminder letter
- Your license class is upgraded
- Your driver’s license is suspended
Show answer
Correct answer: Your driver’s license is suspended
Failure to renew insurance coverage or cancellation of insurance will result in a driver’s license suspension.
Source: Illinois Rules of the Road (2026), page 56
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Your license may be suspended for failing to file what after receiving court supervision for driving without insurance?
- A new vehicle title application form
- A change of address form for your license
- A vision screening report from a doctor
- Financial Responsibility Insurance (SR-22)
Show answer
Correct answer: Financial Responsibility Insurance (SR-22)
Failure to file Financial Responsibility Insurance (SR-22) after court supervision for driving without insurance, or after three or more tickets for it, is a suspension offense.
Source: Illinois Rules of the Road (2026), page 60
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Being an at-fault driver without insurance in a traffic crash where damages are owed is listed as which suspension offense?
- Traffic Crashes
- Reckless Conduct
- Perjury
- Uninsured Crashes
Show answer
Correct answer: Uninsured Crashes
Uninsured Crashes, being an at-fault driver in a crash without insurance where damages are owed, is a suspension offense.
Source: Illinois Rules of the Road (2026), page 60
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What does the liability insurance required in Illinois cover?
- Repairs to your own vehicle after any crash
- Injuries or damages to other persons or their property
- Your own medical bills after a crash you cause
- Replacement of your vehicle if it is stolen
Show answer
Correct answer: Injuries or damages to other persons or their property
The manual says liability insurance covers injuries or damages to other persons or their property caused by a vehicle crash.
Source: Illinois Rules of the Road (2026), page 98
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What is the minimum liability insurance limit in Illinois for injury or death of ONE person in a crash?
- $25,000
- $15,000
- $20,000
- $50,000
Show answer
Correct answer: $25,000
The manual lists $25,000 as the minimum for injury or death of one person in a crash.
Source: Illinois Rules of the Road (2026), page 98
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What is the minimum liability insurance limit in Illinois for injury or death of MORE THAN ONE person in a crash?
- $25,000
- $40,000
- $50,000
- $100,000
Show answer
Correct answer: $50,000
The manual lists $50,000 as the minimum for injury or death of more than one person in a crash.
Source: Illinois Rules of the Road (2026), page 98
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What is the minimum liability insurance limit in Illinois for damage to another person's property?
- $10,000
- $20,000
- $15,000
- $25,000
Show answer
Correct answer: $20,000
The manual lists $20,000 as the minimum for damage to property of another person.
Source: Illinois Rules of the Road (2026), page 98
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By signing the registration or renewal application, what do Illinois vehicle owners affirm?
- That the vehicle passed an emissions test
- That they have no unpaid traffic tickets
- That the vehicle has never been in a crash
- That the vehicle is properly insured
Show answer
Correct answer: That the vehicle is properly insured
The manual says that once the owners sign the registration or renewal application, they affirm that the vehicle is properly insured.
Source: Illinois Rules of the Road (2026), page 98
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Where must evidence of your liability insurance coverage be kept?
- At home, together with the vehicle title
- On file only with the insurance company
- Carried by the motorist or kept in the vehicle
- On file only at a Secretary of State facility
Show answer
Correct answer: Carried by the motorist or kept in the vehicle
The manual says evidence of liability coverage must be carried by the motorist or in the vehicle and shown to law enforcement officers upon request.
Source: Illinois Rules of the Road (2026), page 98
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Can an Illinois insurance card be shown on the driver's cellphone?
- Yes, insurers may provide a card for a phone or other device
- No, only a printed paper card is accepted by police
- No, the driver must carry the full insurance policy
- Only if the driver also carries a certified paper copy
Show answer
Correct answer: Yes, insurers may provide a card for a phone or other device
The manual says insurance companies must issue Illinois insurance cards or provide a card that can be displayed on the driver's cellphone or other electronic device.
Source: Illinois Rules of the Road (2026), page 98
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You lost your insurance card and are waiting for a new one. Which of these could you carry in your vehicle to prove coverage meanwhile?
- Your vehicle registration ID card
- Your vehicle's Certificate of Title
- The Bill of Sale for your vehicle
- The current policy declarations page
Show answer
Correct answer: The current policy declarations page
The manual lists an insurance binder, the current policy declarations page, a certificate of insurance or the last insurance payment receipt as other proof of coverage until the new card arrives.
Source: Illinois Rules of the Road (2026), page 98
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How is Illinois's mandatory insurance law enforced?
- Yearly insurance inspections at facilities
- Random computer checks and traffic tickets
- Insurance checks at emissions test stations
- Monthly mailed audits of every policyholder
Show answer
Correct answer: Random computer checks and traffic tickets
The manual says enforcement is managed through random computer checks by the Secretary of State's office and the issuance of traffic tickets.
Source: Illinois Rules of the Road (2026), page 98
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When renewing your license plates, in what format may you give proof of insurance?
- Paper or electronic
- Paper only
- Electronic only
- Notarized copy only
Show answer
Correct answer: Paper or electronic
The manual says the proof of insurance required at plate renewal can be in a paper or electronic format.
Source: Illinois Rules of the Road (2026), page 98
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Which of these can result from failing to carry the required liability insurance in Illinois?
- A written warning only, with no other penalty
- A small fine only, paid when you next renew
- Fines and suspension of your driving privileges
- Transfer of your vehicle title to the state
Show answer
Correct answer: Fines and suspension of your driving privileges
The manual says failure to carry insurance results in fines, inability to renew registration, suspension of driving privileges, and suspension of the registration until proof of insurance is obtained.
Source: Illinois Rules of the Road (2026), page 98
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What may happen if you give false information to the Secretary of State's office or a remitter to renew your vehicle registration?
- A warning letter only
- Criminal charges and a fine
- A $20 late fee only
- A 90-day permit instead
Show answer
Correct answer: Criminal charges and a fine
The manual says providing false information to renew the vehicle registration may result in criminal charges and a fine.
Source: Illinois Rules of the Road (2026), page 98
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If you have trouble obtaining vehicle insurance, whom does the manual tell you to contact for assistance?
- Illinois Department on Aging
- Illinois Department of Revenue
- Illinois Environmental Protection Agency
- Illinois Automobile Insurance Plan
Show answer
Correct answer: Illinois Automobile Insurance Plan
The manual says that if you have trouble obtaining insurance, you should contact the Illinois Automobile Insurance Plan for assistance.
Source: Illinois Rules of the Road (2026), page 98