Use this bill of sale when selling a car in Chicago, Illinois. It documents the transfer and helps you complete DMV title paperwork.
Chicago, IllinoisCarPopulation rank #3
A Chicago, Illinois car bill of sale is a legal document that records the transfer of ownership between a private buyer and seller in Chicago. As of 2026, Illinois requires both parties to sign the bill of sale, and the buyer must present it at the IL DMV to complete title transfer.
How to Complete a Car Bill of Sale in Chicago
Verify the car VIN and run a history check
Complete all fields on the bill of sale — buyer name, seller name, sale price, date, and vehicle description
Both parties sign the bill of sale and retain a copy
Seller signs the back of the title, transferring ownership to the buyer
Buyer brings the signed title and bill of sale to the IL Secretary of State – Chicago West Office to complete title transfer
What to include
Buyer and seller names and addresses
Car VIN and vehicle details
Sale price and date
Signatures from both parties
Next step
Create a compliant bill of sale and download the signed PDF immediately.
Chicago at a glance
Population
2,707,648
Median Household Income
$75,134
With a median household income of $75,134, used car pricing in Chicago tends to track the local market — document the agreed price on your bill of sale to support the Illinois tax assessment. Source: US Census Bureau, ACS5-2023.
Local Requirements — Cook County
DMV / Title Office
IL Secretary of State – Chicago West Office
Address
5401 N Elston Ave, Chicago, IL 60630
Phone
(312) 793-1010
Office Hours
Mon–Fri 8:00 AM–5:00 PM
Transfer Fees & Taxes
Title Transfer Fee
$150.00
Sales Tax Rate
10.25%
Base Registration Fee
$151.00
Illinois state rate 6.25% + Cook County 1.75% + Chicago city 1.25% + RTA 1.0%
Notarization: NOT REQUIRED
Illinois does not require notarization for private vehicle sales. A signed title is the primary transfer document.
Chicago Transfer Checklist
Complete a VSD 190 (Vehicle/Vessel Use Tax Transaction Return) at the Secretary of State office
Illinois charges a private-party vehicle use tax starting at $25 for vehicles $15,000 and under
Title must be transferred within 20 days of purchase
Emissions testing required in Cook County for most vehicles
The most common car makes in private-party sales are Toyota, Honda, Ford, Chevrolet, Nissan. Average private-party car prices range from $5,000–$25,000. The average NCAP safety rating for recent car models is 4.2 out of 5 stars. Cars average 3.1 NHTSA recalls per model across categories including Airbags (Takata), Power Train, Fuel System.
Safety checkpoints for buying a used car
Before completing a car bill of sale in Illinois, verify these safety items:
Verify airbag recall status (Takata recall affected 67M+ vehicles)
Check tire age — tires over 6 years old degrade regardless of tread depth
Confirm brake pad thickness and rotor condition
Test all seatbelts for proper retraction and latching
Verify ABS warning light cycles off after ignition self-test
Confirm child-seat LATCH anchor accessibility and integrity
Test headlight aim and high-beam function on both low and high settings
Inspect windshield for cracks in the driver sight line that could fail state inspection
Car insurance and depreciation in Illinois
Liability insurance required in 49 states (New Hampshire is the exception). Average annual premium: $1,600–$2,200. Cars lose approximately 20% of value in the first year and 60% over five years. Japanese brands retain value best. Peak season for private car sales is spring (march–may) when tax refunds boost demand, with an average of 21 days on market.
Car registration and titling
Cars are classified as "Passenger vehicle" for registration purposes. Standard passenger cars weigh 2,500–4,500 lbs; no special weight-class registration required. Federal odometer disclosure is required for cars under 20 years old.
Illinois bill of sale statistics
BillOfSaleNow has generated 3,087 bill of sale documents for Illinois transactions, with 83 generated this month alone. The most popular vehicle type is car.
Why Documentation Helps Protect Asking Price
45% faster sale
Vehicles whose listings include a history report spend ~45% less time on site before selling, and report-viewers are 5x more likely to become a lead.
Run a VIN history report — accidents, odometer rollback, salvage title
Confirm the title is in the seller's name and matches the VIN on the vehicle
Check for any active liens — call the lender or run a lien search with the Illinois DMV
Meet at a safe, public location and bring a friend or mechanic
Never hand over cash until the title is properly signed and the bill of sale is complete
Car title transfer deadline in Illinois
Illinois gives the buyer 20 days from the sale date on the bill of sale to complete the car title transfer at the IL Secretary of State – Chicago West Office in Chicago. Miss the 20-day window and Illinois charges a late-transfer penalty of typically $25-50 plus accrued use tax, and the seller can still appear on the title for civil liability if the buyer crashes the vehicle before retitling. Keep your signed bill of sale and the assigned title together and file as soon as you can, even if registration plates will be transferred later.
VIN inspection. IL generally does not require a VIN inspection, but dealer-sold vehicles must pass emission testing in applicable counties.
File at the IL Secretary of State – Chicago West Office (5401 N Elston Ave, Chicago, IL 60630). Bring the signed title, the completed Chicago bill of sale, your ID, and payment for the $150.00 title transfer fee plus 10.25% sales tax on the purchase price.
Car mechanical pre-purchase checklist for Chicago buyers
Before you sign the Chicago bill of sale, walk through this inspection on thecar. A pre-purchase inspection costs $100-200 and routinely uncovers $1,000+ in deferred maintenance — that is the figure you negotiate off the price or walk away from entirely. Use this list as your shortlist when you meet the seller or when a local mechanic looks the vehicle over.
Common mechanical issues to inspect
Check for transmission slipping or harsh shifts during a 15-minute test drive
Listen for timing chain rattle on cold start (common on direct-injection engines)
Inspect for oil leaks at valve cover gasket and rear main seal
Verify A/C blows cold and check for sweet smell indicating heater core leak
Pull diagnostic codes with an OBD-II scanner — cleared codes pre-sale are a red flag
Check coolant condition and look for milky residue under oil cap (head gasket)
Safety checkpoints
Verify airbag recall status (Takata recall affected 67M+ vehicles)
Check tire age — tires over 6 years old degrade regardless of tread depth
Confirm brake pad thickness and rotor condition
Test all seatbelts for proper retraction and latching
Verify ABS warning light cycles off after ignition self-test
Confirm child-seat LATCH anchor accessibility and integrity
Title documentation notes. Passenger cars receive a state-issued certificate of title in all 50 states, with the seller signing the title over to the buyer (some states require notarization). The federal odometer disclosure must be completed on the title itself for vehicles less than 20 model years old. The buyer typically uses the signed title plus a bill of sale to title and register the vehicle at the DMV.
NHTSA recall watch for Chicago car buyers
Before signing your bill of sale in Chicago, run a NHTSA recall check on the specific year and model. Recent-model cars with the most open recalls:
Model + year
NHTSA recalls
Top categories
2019 Volkswagen Jetta
11
Electrical System, Suspension, Unknown Or Other
2024 Ford Mustang
10
Service Brakes, Fuel System, Electrical System
2022 Ford Mustang
9
Electrical System, Steering, Air Bags
2020 Ford Mustang
8
Back Over Prevention, Power Train, Forward Collision Avoidance
2019 Nissan Altima
7
Fuel System, Back Over Prevention, Tires
Run a NHTSA VIN lookup at nhtsa.gov/recalls before purchase — open recalls are the seller's responsibility to disclose under federal law.
Reviewed against state DMV requirementsLast reviewed: April 20266 min readEditorial policy
Our Chicago, Illinois car bill of sale research is anchored to Illinois statute citations including 49 CFR Part 390 — Federal Motor Carrier Safety Regulations, and reviewed against current Illinois DMV publications by Amanda K. Torres, Small Business & Commercial Vehicle Specialist. Amanda K. Torres specializes in commercial vehicle transfers and fleet sales and routinely verifies fee schedules, notarization rules, and transfer deadlines for the BillOfSaleNow editorial team. Every Chicago requirement on this page reflects the most recent guidance from the IL Secretary of State – Chicago West Office and the underlying state transportation code.
Frequently asked questions
What county is Chicago in, and which office handles title transfers?
Chicago is in Cook County. Title transfers are handled by the IL Secretary of State – Chicago West Office at 5401 N Elston Ave, Chicago, IL 60630. Hours: Mon–Fri 8:00 AM–5:00 PM. Phone: (312) 793-1010.
What is the sales tax rate on a car sale in Chicago?
The combined rate is 10.25%. Illinois state rate 6.25% + Cook County 1.75% + Chicago city 1.25% + RTA 1.0%.
Is notarization required for a car bill of sale in Chicago?
No. Illinois does not require notarization for private vehicle sales. A signed title is the primary transfer document.
What fees should I expect when transferring a car title in Chicago?
Title transfer fee: $150.00. Base registration fee: $151.00. Sales tax at 10.25% is collected at the time of title transfer.
How long do I have to transfer a car title in Chicago?
Illinois requires the buyer to transfer the title within 30 days of the sale date. Late transfers may incur penalty fees at the DMV. Bring your signed bill of sale and the assigned title to the IL Secretary of State – Chicago West Office.
Can I sell a car without a title in Chicago?
In most cases, no. Illinois requires a clean title to complete a private vehicle sale. If the title is lost, the seller must apply for a duplicate title before selling. The bill of sale alone does not transfer legal ownership.
What documents do I need to buy a car in Chicago?
You will need: (1) the signed title from the seller, (2) a completed bill of sale, (3) a valid government ID, and (4) payment for the title transfer fee ($150.00) and sales tax (10.25%). Bring all documents to the IL Secretary of State – Chicago West Office.
Is a bill of sale legally binding in Chicago?
Yes. A properly signed bill of sale is a legally binding document that protects both the buyer and seller. It records the agreed-upon sale price, date, and vehicle details. Sellers should keep a copy to prove they are no longer liable for the vehicle after the sale date.
Trusted by private vehicle sellers nationwide
45% faster sale
Vehicles whose listings include a history report spend ~45% less time on site before selling, and report-viewers are 5x more likely to become a lead.