The Illinois Secretary of State (SOS) told us that it is not necessary for one to have a driver's license to tax, title and register a vehicle in Illinois. You do however need to have car insurance on the vehicle you are registering and not having a driver's license can be an issue with an automobile insurance company.
Illinois state laws require that all motor vehicles registered and operated in IL be covered by Liability auto insurance, which covers property damage and/or injuries you may cause others in an accident. Trailers are exempt and not required to have Liability insurance. To be compliant with IL auto insurance Liability laws you need both Bodily Injury and Property Damage Liability coverage of 20/40/15. This stands for the following minimum amounts:
- $20,000 for injury or death of one person in an accident.
- $40,000 for injury or death of more than one person in an accident.
- $15,000 for damage to property of another person.
State law in Illinois requires that you carry your insurance card in your car and show it upon request by any law enforcement officer. If you are stopped for a traffic violation or involved in an accident and issued a traffic ticket and then convicted in court of driving without auto insurance (operating an uninsured vehicle), the conviction will be reported to the IL Secretary of State so that they put in place a license plate suspension and a three-month driver's license suspension.
Another way they verify that you have proper auto insurance coverages in Illinois is through a random selection program. If the SOS computer randomly selects your license plate registration, you will receive an insurance verification form from the Secretary of State to fill out and return. Your auto insurance Liability coverages will be verified with your car insurance company. If you did not have insurance on the verification date indicated on the form, or if you do not return the form with the information requested, your license plates will be suspended by the state.
Even if you do not have to show proof of insurance when registering your vehicle you do sign on your application that you are insured. Your signature on your registration application or vehicle renewal registration application affirms that your vehicle will be properly insured throughout the registration period.
Most automobile insurance companies will require you to have an active, valid driver's license or be able to acquire one within a short period of time in order to start a car insurance policy. If the valid driver's license is not obtained in the set time given, then the insurance coverage would be cancelled by the insurance carrier. So while the state of Illinois may allow you to register and title a vehicle without a driver's license it can be difficult to get the required car insurance in place without having a valid driver's license.
If you do not have a driver's license or are not able to obtain a license because you are unable to drive due to a handicap or something of this nature then you may still be able to find a car insurance policy for your vehicle by shopping around. Some insurance companies will allow you to exclude yourself as a driver if there is a reason why this must be done but still allow you to put an auto insurance policy in your name. You will however have to place someone with a valid driver's license on the car insurance policy as the primary driver of your vehicle since a driving record is a primary rating factor.
There are several rating factors that car insurance companies look at when determining your premiums and the driving record of the drivers of the vehicle is one of the main ones since the insurer will want to see what type of risk the drivers pose. Other rating factors include the garaged location of the vehicle, driving experience of the driver and the type of vehicle being driven to name a few.
If you are able to get a driver's license it will likely be much easier for you, if you want to buy, register, title and insure a car, if you get a valid driver's license first. To find out how to get a driver's license in IL contact the SOS or read through their website.
At CarInsurance.com we can help you find the insurance you need for your vehicle. CarInsurance.com is an Online Insurance Marketplace™ gives consumers the opportunity to shop and compare insurance companies online. We offer the ability to shop for car insurance online and the ability to purchase your policy directly through CarInsurance.com, so get started with instant car insurance quotes for Illinois.