If you’ve bought or sold a car in the state, you need to know how to transfer car title in Illinois. The state requires a vehicle title transfer to be completed within 20 days of a sale, using form VSD 190.
This process ensures the new owner is legally recognized and protects the seller from future liability. While it involves several steps and some paperwork, it’s a straightforward procedure when you know what documents you need and where to go.
This guide walks you through every step, whether you’re a buyer, seller, or handling a transfer between family members.
How To Transfer Car Title In Illinois
The core process for transferring a car title in Illinois is managed by the Secretary of State (SOS). It involves specific forms, fees, and often a visit to a facility. The exact steps can vary slightly depending on your situation, such as a standard sale, a gift, or an inheritance.
Failing to complete the transfer correctly or on time can result in penalties for the buyer and leave the seller responsible for tickets or tolls. Let’s break down the requirements and procedures to ensure a smooth transaction.
Documents Needed For An Illinois Title Transfer
Before you visit an SOS facility, gathering all necessary documents is crucial. Missing even one item can delay the process. Here is the essential checklist:
- The Original Vehicle Title: The seller must provide the signed and dated original title certificate. A photocopy or scan is not acceptable.
- Completed Form VSD 190: This is the “Vehicle Transaction and/or Title Application” form. It must be filled out and signed by both the buyer and the seller.
- Proof of Insurance: The buyer must provide proof of Illinois vehicle liability insurance for the car being transferred.
- A Valid Identification: Both parties need a government-issued ID, such as a driver’s license or state ID card.
- Odometer Disclosure: This is included on the VSD 190 form and must be accurately completed by the seller for vehicles under 16 years old.
- Payment for Fees: Be prepared to pay the title transfer fee, registration fees, and any applicable taxes.
Step-By-Step Process For Buyers And Sellers
Following the correct sequence ensures the title transfer is valid and timely. Both the buyer and seller have specific responsibilities to fulfill.
Seller’s Responsibilities
- Accurately complete the seller sections on the original title. This includes the date of sale, selling price, odometer reading (for vehicles under 16 years old), and your printed name and signature.
- Fill out your sections on the VSD 190 form. Ensure the Vehicle Identification Number (VIN) and other details match the title exactly.
- Provide the signed title and completed VSD 190 to the buyer. It’s a good practice to make a copy of both documents for your records before handing them over.
- Remove your license plates from the vehicle. In Illinois, plates stay with the seller, not the car. You can transfer them to a new vehicle or return them to the SOS.
Buyer’s Responsibilities
- Verify all information on the title and VSD 190 form is correct and legible before you sign anything. Check the VIN, odometer reading, and seller’s signature.
- Complete the buyer sections on the VSD 190 form. You will need to provide your full name, address, and driver’s license number.
- Obtain Illinois vehicle insurance before proceeding. You must have active coverage to register the car in your name.
- Take all documents to a Secretary of State facility. You must appear in person to complete the transfer and registration. Some services may be available at select currency exchanges, but a visit to an SOS office is the most reliable method.
- Pay all required fees and taxes. This includes the $95 title fee, registration costs (which vary by vehicle type), and the state sales tax based on the purchase price.
Understanding Taxes And Fees
The cost to transfer a title in Illinois involves several components. Budgeting for these expenses upfront will prevent surprises.
- Title Fee: $95 for a standard passenger vehicle title.
- Registration Fee: This varies. For example, a standard passenger vehicle is $151 for one year, plus a $5 processing fee.
- Sales Tax: The state sales tax rate is 6.25%. Additionally, your county may impose a local sales tax. This tax is calculated on the purchase price of the vehicle.
- Plate Transfer Fee: If you are transferring plates from another vehicle you own, the fee is $15.
- Late Transfer Penalty: If the transfer is completed after the 20-day deadline, a $20 penalty applies.
Special Title Transfer Situations
Not every transaction is a simple sale between two private parties. Here’s how to handle common special circumstances.
Transferring a Title Between Family Members
If you are gifting a vehicle to a spouse, parent, child, or sibling, you may be exempt from paying the sales tax. You still must complete the VSD 190 form and mark the appropriate box for a “gift” or “family transfer.” You will need to provide documentation, like a marriage certificate or birth certificate, to prove the familial relationship. The title fee and registration costs still apply.
Transferring a Title After a Death
When the vehicle owner passes away, the title must be transferred to the heir or beneficiary. The required documents include the original title, a completed VSD 190, and the death certificate. If the estate is going through probate, you may need additional court documents. If the vehicle’s value is below a certain threshold, a Small Estate Affidavit may be used instead of full probate papers.
Buying a Vehicle from a Dealer
This is the simplest process for a buyer. The dealership typically handles all the paperwork, including submitting the VSD 190 to the Secretary of State. They will collect the relevant taxes and fees from you. You will recieve your new title and registration in the mail, usually within a few weeks. Just ensure you receive a temporary registration permit to drive the car immediately.
Transferring a Title Without a Title
If the original title is lost, the seller must obtain a duplicate before the sale can proceed. The seller can apply for a duplicate title by submitting form VSD 190 to the SOS and paying a $95 fee. This process can take several weeks. Never proceed with a sale using only a bill of sale or a photocopy, as the buyer will not be able to register the vehicle.
Completing The VSD 190 Form Correctly
Errors on the VSD 190 are a leading cause of delays. Pay close attention to these key sections:
- Section A (Vehicle Description): Triple-check that the VIN, year, make, and model match the title and the vehicle itself exactly.
- Section B (Seller Information): The seller must print their name, provide their address and driver’s license number, and sign in the designated box.
- Section C (Buyer Information): The buyer must do the same, ensuring their current Illinois address is used.
- Odometer Disclosure: Mandatory for vehicles under 16 years old. The seller must certify the mileage is accurate. Incorrectly stating the odometer reading is a federal offense.
- Purchase Price: Accurately state the full sale amount. This figure is used to calculate sales tax.
Where To Go For The Title Transfer
You have a few options for submitting your title transfer paperwork, but some are more efficient than others.
- Secretary of State Driver Services Facilities: These are your primary locations for title work. Be prepared for potential wait times. It’s often best to go mid-week and avoid the beginning or end of the month.
- Secretary of State Vehicle Services Departments: Some larger locations have dedicated vehicle services sections that handle titles and registrations exclusively, which can be faster.
- Designated Currency Exchanges: Select currency exchanges are licensed to perform certain vehicle transactions, including title transfers. They charge an additional service fee on top of the state fees. Call ahead to confirm they offer the service you need.
Remember that many routine driver’s license facilities do not handle vehicle titles. Check the Illinois SOS website for locations that specify “Vehicle Services” before you go.
What To Do After The Title Transfer
Once the transfer is complete, there are a few final steps for the new owner.
- Immediately place your new registration sticker on the license plate and keep the registration card in the vehicle.
- Your new title will be mailed to the address you provided on the VSD 190 form. This can take 4 to 6 weeks. Store it in a safe place, not in the car.
- Notify your insurance company that the title transfer is complete and ensure the policy is correctly listed in your name.
Common Mistakes To Avoid
Avoiding these pitfalls will save you time, money, and frustration.
- Missing Signatures or Dates: Every required signature and date on the title and VSD 190 must be present. An undated title is invalid.
- Incorrect Purchase Price: Understating the price to reduce tax is illegal and can result in fines and penalties during an audit.
- Using White-Out or Corrections: Do not use correction fluid or make cross-outs on the title. If a mistake is made, you typically need to request a duplicate title and start over.
- Forgetting the 20-Day Deadline: The $20 late penalty is enforced. The buyer also risks being unable to register the car if there’s a delay.
- Not Verifying the VIN: Always physically check the VIN plate on the dashboard against the paper title. A mismatch indicates a serious problem.
FAQ: Illinois Car Title Transfers
How long does it take to get a new title after transfer in Illinois?
After submitting your paperwork at an SOS facility, you should receive your new title by mail within 4 to 6 weeks. You will leave with your registration and plates the same day, allowing you to drive the vehicle legally.
Can I transfer an Illinois car title online?
No, you cannot complete an initial title transfer between private parties online in Illinois. The buyer must appear in person at a Secretary of State facility or a licensed currency exchange. Some renewal and duplicate title services are available online, but not for a new owner transfer.
What if the seller has a loan on the car?
If the seller’s title is held by a lienholder (a bank or credit union), the loan must be paid off first. The lender will then release the title to the seller, who can sign it over to you. You can also contact the lender directly to see if they will facilitate the sale, but this process is more complex.
Do I need a smog or safety inspection to transfer a title?
Illinois does not require a general vehicle safety or emissions inspection for a standard title transfer. However, certain counties in the Chicago and St. Louis metro areas require an emissions test for registration renewal, which is a separate process from the initial title transfer.
How much is the sales tax on a used car in Illinois?
The state sales tax rate is 6.25% of the purchase price. Your specific county may add an additional local tax. For example, Cook County has a total rate of 8.75%. The tax is calculated on the full sale price reported on the VSD 190 form.