Illinois Safety and Family Financial Responsibility Law
625 ILCS 5, Illinois Vehicle Code Chapter 7, Secs. 7-100 through 7-708, 84 sections
Edition and licensing notes
Publisher. Illinois General Assembly, Legislative Reference Bureau (ilga.gov)
Edition. Illinois Compiled Statutes as published by the Legislative Reference Bureau. The publisher's own currency statement on the full-text page reads: "Updating the database of the Illinois Compiled Statutes (ILCS) is an ongoing process. Recent laws may not yet be included in the ILCS database, but they are found on this site as Public Acts soon after they become law... Because the statute database is maintained primarily for legislative drafting purposes, statutory changes are sometimes included in the statute database before they take effect. If the source note at the end of a Section of the statutes includes a Public Act that has not yet taken effect, the version of the law that is currently in effect may have already been removed from the database." Retrieved 2026-09-17.
Status. Illinois Compiled Statutes, public domain (Illinois General Assembly).
What this document is
625 ILCS 5, Illinois Vehicle Code Chapter 7 - Illinois Safety and Family Financial Responsibility Law (Secs. 7-100 through 7-708, 84 sections) is a state statute published by Illinois General Assembly, Legislative Reference Bureau (ilga.gov). It is one of the Illinois documents that insurance license exam questions are written from, including illinois property & casualty, illinois personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.
Sections cited in practice questions
Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.
- 625 ILCS 5/7-601(a) (Required liability insurance policy)
“No person shall operate, register or maintain registration of, and no owner shall permit another person to operate, register or maintain registration of, a motor vehicle designed to be used on a public highway in this State unless the motor vehicle is covered by a liability insurance policy. The...”
- 625 ILCS 5/7-203 (Requirements as to policy or bond)
“However, every such policy or bond is subject, if the motor vehicle crash has resulted in bodily injury or death, to a limit, exclusive of interest and costs, of not less than $25,000 because of bodily injury to or death of any one person in any one motor vehicle crash and, subject to said limit...”
- 625 ILCS 5/7-304 (Proof required)
“Upon the revocation of a driver's license of any person as provided in Section 6-113, 6-205 or 6-206, the Secretary of State shall suspend any and all of the registration certificates, license plates and registration stickers issued for any motor vehicle registered in the name of such person as...”
- 625 ILCS 5/7-315(c) (Certificate of insurance proof)
“The Secretary of State shall not accept any certificate or certificates unless the same shall cover all motor vehicles then registered in this State in the name of the person furnishing such proof as owner and an additional certificate or certificates shall be required as a condition precedent to...”
- 625 ILCS 5/7-316.1(a) (Nonresidents and former residents; when proof not required)
“Any nonresident or former Illinois resident who (i) has met all requirements for reinstatement of his or her driving or registration privileges under this Chapter except for filing proof of financial responsibility, (ii) resides outside of Illinois, and (iii) has applied for a driver's license in...”
- 625 ILCS 5/7-501 (Assigned Risk Plans)
“the Director of Insurance shall, when he finds that an application for bodily injury or property damage insurance by a risk, which may become subject to this Act or is a local public entity subject to the Local Governmental and Governmental Employees Tort Immunity Act, and in good faith is entitled...”
- 625 ILCS 5/7-608 (Verification-limitation)
“No verification procedure established under this Code shall include individual inspections of vehicles on a highway solely for the purpose of verifying the existence of an insurance policy. No law enforcement officer shall stop a vehicle solely for the purpose of verifying the existence of a valid insurance policy.”
- 625 ILCS 5/7-318 (Notice of cancellation or termination of certified policy)
“When an insurance carrier has certified a motor vehicle liability policy or policies under this Act, it shall notify the Secretary of State of any cancellation by submitting an electronic notice at least 15 days prior to cancellation of such policy and the policy shall continue in full force and...”
- 625 ILCS 5/7-606 (Uninsured motor vehicles - suspension and reinstatement)
“In the case of a first violation, the Secretary shall terminate the suspension upon payment by the owner of a reinstatement fee of $100 and submission of proof of insurance as prescribed by the Secretary.”
- 625 ILCS 5/7-317(a) ("Motor vehicle liability policy" defined; Certification)
“A "motor vehicle liability policy", as that term is used in this Act, means an "owner's policy" or an "operator's policy" of liability insurance, certified as provided in Section 7-315 or Section 7-316 as proof of financial responsibility for the future, and issued, except as otherwise provided in...”
- 625 ILCS 5/7-603 (Illegal insurance cards - penalty)
“Sec. 7-603. Illegal insurance cards - penalty. No person shall alter an invalid insurance card to make it appear valid. No person knowingly shall make, sell or otherwise make available an invalid or counterfeit insurance card.”
- 625 ILCS 5/7-602 (Insurance card)
“Sec. 7-602. Insurance card. Every operator of a motor vehicle subject to Section 7-601 of this Code shall carry within the vehicle evidence of insurance. The evidence shall be legible and sufficient to demonstrate that the motor vehicle currently is covered by a liability insurance policy as...”
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Questions about this source
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