Illinois Electronic Insurance Verification System

The New Illinois Electronic Insurance Verification System: 4 Things to Know

Let me guess—you’ve heard something about the new Illinois Electronic Insurance Verification System and you’re wondering, “What does that mean for me?” That’s exactly what we’re going to break down today. We’ve been getting a lot of questions at Illinois Insurance Center, especially from drivers in places like Chicago, Aurora, and Naperville. The truth is, this system changes the way the state checks your car insurance—and it’s important to understand how it works.

We’re here to explain everything in plain language so you don’t get caught off guard. Whether you’re already insured with us or just looking for affordable auto coverage, you’ll want to pay close attention.


1. What Is the Illinois Electronic Insurance Verification System?

The Illinois Electronic Insurance Verification System, or ILIVS, is a tool the state started using on July 1, 2021. It allows the Secretary of State to check if your car insurance is active—without needing to pull you over or ask you for a paper card. This system automatically connects to insurance databases across the state to verify that your policy is up to date.

Before ILIVS, most checks happened when a police officer pulled you over or when you were involved in an accident. But now, the state can check randomly, twice a year, with no warning.

Why was this system put in place? Honestly, too many drivers were on the road without insurance. The ILIVS helps reduce that number by making it easier to catch uninsured vehicles without waiting for something to go wrong.


2. How Does the Illinois Electronic Insurance Verification System Affect You?

Good news: if you already have insurance, you usually won’t have to do anything. The system will check your policy automatically. But if for some reason it can’t confirm your coverage, you’ll get a letter in the mail.

Here’s what you need to do if that happens:

  • Don’t ignore the letter. The state sends a notice with a due date. If you toss it aside, your registration could get suspended.
  • Call us right away. Give us the reference number from the notice. We’ll help update the system so the state can verify your insurance.
  • Don’t wait until it’s too late. If you miss the deadline, the state charges a $100 fee to reinstate your registration. And if you’re caught driving with suspended registration, you could be fined $1,000.

This system checks everyone—whether you’re in Chicago or Rockford. So don’t take a chance. Even a small gap in your insurance could create big problems.


3. What If You Don’t Have Insurance When You’re Checked by ILIVS?

If the Illinois Electronic Insurance Verification System can’t confirm your coverage and you actually don’t have insurance, it’s time to act fast.

Here’s how to fix it:

  • Buy a policy right away. Call Illinois Insurance Center, and we’ll help you get the coverage you need.
  • Provide your new info. Once you have insurance, we’ll send your updated details to the system.
  • Pay your reinstatement fee. The $100 fee is still required, but getting your registration back is easier once you’re insured.

If you don’t act quickly, things can snowball:

  • Second offense? You’ll face a four-month registration suspension, and the reinstatement fee still applies.
  • Caught driving without insurance or registration? The fines go up to $1,500—$500 for no insurance and another $1,000 if your registration is also suspended.

Don’t let it get that far. If you’re unsure what kind of policy fits your situation, give us a call at 708-524-4900 or contact us online.


4. What Insurance Coverage Does the State of Illinois Require?

At minimum, the law requires you to have liability insurance. This helps cover damages or injuries you cause to others. These are the required limits in Illinois:

  • $25,000 for bodily injury per person
  • $50,000 for total bodily injury when more than one person is hurt
  • $20,000 for property damage

If you’re still making payments on your car, your lender might also require full coverage, including collision. That covers damage to your own vehicle from an accident.

Even after your car is paid off, keeping collision coverage can be a smart move—repair costs add up fast. Whether you’re driving around Joliet or commuting to Naperville, accidents happen.


What Happens If You Drive for Work or Own a Business?

If you use your car for business, you may need a commercial auto policy. This type of insurance meets ILIVS requirements too, but it covers more than a regular policy.

Need help figuring out if you need commercial auto insurance? Let us know. We write all types of policies for drivers and business owners.

Learn more about Commercial Auto Insurance

If you’re a contractor or run your own company, we can also help with contractor insurance and business insurance.


What If You Have Other Coverage Needs?

We’ve been helping people in Aurora, Naperville, Chicago, Joliet, and Rockford with much more than auto policies. Our team also writes:

Let us help you build a complete insurance plan. One call can save you time, money, and future stress.

Need insurance in your area?


Frequently Asked Questions About the Illinois Electronic Insurance Verification System

1. How often does the state check my insurance?
Twice a year, randomly. You won’t know when it’s happening.

2. Do I need to do anything if I already have insurance?
Usually no, unless you get a notice in the mail saying your coverage couldn’t be verified.

3. What happens if I ignore the verification notice?
Your registration gets suspended, and you’ll need to pay $100 to reinstate it.

4. Can I drive with a suspended registration?
No. If you’re caught, you could face a $1,000 fine.

5. What if I buy insurance after getting a notice?
That’s fine. Just make sure your new company updates the ILIVS right away.

6. Do all insurance companies report to ILIVS?
Yes, any licensed company in Illinois is part of the system.

7. Can I use the same policy for personal and business driving?
Not always. You may need commercial auto insurance for work-related use.

8. What if I only drive part-time?
You still need insurance. The system doesn’t check how often you drive, just that you’re covered.

9. Does full coverage meet the ILIVS requirement?
Yes. As long as your policy includes at least the state’s minimum liability limits.

10. Can Illinois Insurance Center help if I’m uninsured right now?
Yes. We’ll help you get coverage fast so you can avoid more fees and fines.


Final Thoughts

The Illinois Electronic Insurance Verification System makes it easier for the state to confirm whether drivers are properly insured. If you’re covered, you’re in the clear—but if not, the penalties can stack up quickly.

At Illinois Insurance Center, we make sure you’re ready for every check, every time. Need help updating your policy? Got a notice in the mail? Want a quote that fits your budget?

Call us at 708-524-4900 or contact us here. Let’s make sure you’re covered—no surprises, no headaches.

We’re here for you.

See Also:

Continue Reading

Ready to See Your Savings?

Fill out our quick, no-obligation quote form and discover how affordable peace of mind can be.

GET A FREE INSURANCE QUOTE

Type to start searching

A smiling couple sits at a table with papers, a notebook, and a laptop, appearing to discuss finances or planning together in their bright, cozy home—perhaps after seeing an Exit Intent Popup with helpful budgeting tips.

See How Much You Can Save

We compare prices from different companies to find you cheaper insurance.