ILIVS – Illinois Insurance Verification System: What You Need to Know

Updated: 06/21/2025

The Illinois Insurance Verification System shortened to ILIVS is an automated system implemented by the State of Illinois to ensure that all registered vehicles are covered by liability insurance. If you’ve received a notice from the state regarding your insurance coverage, or if you’re searching for ways to locate your ILIVS reference number, you’re in the right place. Insured ASAP is here to guide you through the process and help resolve any issues quickly.

How it works?

In short, ILIVS matches insurance data provided by Illinois insurance companies, to registered vehicles in the state.  An insurance mismatch, or a vin number that is not found associated to an active Illinois liability insurance policy will be sent a request to provide information and result in a pending license plate suspension.

Is ILIVS Legitimate?

Yes, ILIVS (Illinois Liability Insurance Verification System) is a legitimate system established by the State of Illinois to ensure that all vehicles in the state are properly insured. It is managed by the Illinois Secretary of State’s office and works in coordination with the Department of Insurance. ILIVS helps enforce compliance with mandatory vehicle liability insurance laws and issues suspension notices when a vehicle’s insurance coverage is found to be lacking or not properly verified.

If you’re trying to access the State of Illinois Insurance Verification System Online login, you’ll need your reference number—more on that below.

What happens if insurance isn’t found?

When your auto liability insurance isn’t matched to your vehicle:

• ILIVS will send a compliance request to your insurance agent or company.

• You’ll be given a due date to respond and correct it.

• Common reasons include incorrect VIN numbers or coverage lapses.

What happens if coverage isn’t verified?

If proof of insurance is not submitted by an Illinois-licensed agent like Insured ASAP, the vehicle’s registration and plates will be suspended.
We file your policy information directly through ILIVS to help avoid suspension—and in many cases, we offer same day ILIVS reinstatement.

What Is an ILIVS Reference Number?

The ILIVS reference number is a unique identifier in your notice. You’ll need it to:

• Access your ILIVS account

• Respond to the verification request

• Make an ILIVS payment online

• Resolve non-compliance and reinstate your license plates

How to Find Your ILIVS Reference Number If You’ve Lost Your Notice

Losing the notice from the State of Illinois can be stressful, but there are ways to retrieve the necessary information. Here are a few steps you can take:

1. Work with Insured ASAP: Our team can assist you in resolving insurance compliance issues, including helping you locate your ILIVS reference number and filing insurance information directly with the state. We can also look up your ILIVS reference number using your license plate number or VIN number.  Lookup your ILIVS reference number now by sending us a message.
2. Contact the ILIVS Assistance Hub: Reach out to the ILIVS Assistance Hub online. Provide your vehicle’s vin number or license plate number and your personal details to verify your identity and an attendant can check your ILIVS reference number.
3. Check Your Email (If Applicable): Some notices may have been sent via email if you opted for electronic correspondence when registering your vehicle.  Check your inbox for a PDF attachment.

ILIVS Reinstatement Fees and Payments

If your driver’s license or vehicle registration has been suspended due to insurance compliance issues, you will need to pay a reinstatement fee to the state.

How Much Is the Reinstatement Fee?

The ILIVS reinstatement fee in Illinois is $100.  This fee applies if you have been in non compliance with insurance requirements.  However, fees may vary depending on the specific circumstances of your case. Multiple offenders may be subject to higher than normal fees.  Be sure to verify the exact amount owed by contacting the Illinois Secretary of State or reviewing the information provided in your notice.

How to Make a Payment and Pay the Fee to Reinstate Your License Online

To make an ILIVS payment online, follow the following steps:

1. Visit the Official Website: Navigate to the online services section of the Illinois Secretary of State’s website.
2. Log In or Create an Account: Use your ILIVS reference number and other requested details to access your account.
3. Pay the Fee: Follow the prompts to pay the reinstatement fee securely online.
4. Confirm Compliance: Ensure that your updated insurance information is submitted and verified through ILIVS.

At Insured ASAP, we simplify this process. Once you purchase a liability policy through us, we:

• File it with ILIVS on your behalf

• Pay the reinstatement fee

• Get your license plates reinstated the same day

ILIVS Second Offense Penalties

Understanding the Impact of a Second Suspension

If this is your second suspension, the consequences are more severe:

• A mandatory 4-month suspension of your vehicle registration

• Ineligibility to drive legally during this suspension period

• Potential higher fines and legal repercussions for continued non-compliance

Don’t wait until it’s too late. Repeated violations increase your financial exposure and legal risks.

Additional Consequences for Repeated Violations

The longer you remain non-compliant with the insurance requirements, the more severe the consequences may become. If you continue to disregard Illinois’ insurance laws, you could face extended suspension periods and higher reinstatement fees. Repeated offenses can also increase the likelihood of additional legal action, which could result in higher fines or even potential legal repercussions.

Why Choose Insured ASAP?

At Insured ASAP, we specialize in helping individuals resolve insurance compliance issues quickly and affordably. Our services include:

• Providing low-cost liability insurance coverage.
• Filing insurance information directly with the ILIVS system.
• Assisting with reinstatement fee payments to the state.

We understand how important it is to get back on the road without unnecessary delays. Let us handle the paperwork so you can focus on what matters most.

Get Started Today

Don’t let a compliance issue put your life on hold.
Start with a quote online or text us at (708) 233-4848 for Same Day ILIVS Reinstatement.

You can also visit our ILIVS Assistance Hub for 1-on-1 help retrieving your reference number and understanding your options.

 

Watch More: ILIVS Explained: Find Your Reference Number Fast & Resolve Insurance Compliance – 2025