Residential Closing Reference
Illinois Title Company Rate Cards
A reference list of common Chicago-area title companies that handle Illinois residential closings.
Last updated: May 2026
Are You Curious To See What Title Companies Charge? See Below For A List Of Illinois Title Company Rate Cards
The list below collects published rate cards from Chicago-area title companies that handle Illinois residential transactions. Use it to compare title insurance premiums and closing fees, find a local office, or bring a question to us before closing.
Title insurance premiums are filed with the state, but settlement, search, and recording fees are not. Two companies can quote materially different totals on the same property.
Need a current rate quote?
Call us and we'll review the rate card and tell you whether the closing fees on your settlement statement are reasonable for your property.
(847) 432-6900Rates change regularly. Always confirm the current rate directly with the title company or with our office. Nothing on this page is a quote.
Advocus Title
Attorneys' agency network across Illinois (formerly ATG).
ATA National Title Group
Also known as ATA
Multi-state agency with Chicago-area branches.
Baird & Warner Title
Title arm of the Baird & Warner brokerage family.
Chicago Title Insurance Company
Also known as Chicago Title
One of the largest national underwriters.
CityWide Title Corporation
Also known as CityWide Title
Independent Chicago agency.
Fidelity National Title
Major national underwriter with Illinois branches.
First American Title
National underwriter with broad Illinois coverage.
How title insurance fits into an Illinois closing
Title insurance protects the buyer and lender against defects in the chain of title that the public records did not reveal: forged deeds, missed liens, unrecorded easements, fraud, boundary mistakes, and similar problems. The owner's policy is a one-time premium paid at closing and remains in force for as long as the buyer owns the property.
Under the Multi-Board Residential Real Estate Contract 8.0, the seller orders the title commitment, pays the premium for the owner's policy, and selects the title company where the closing takes place. The buyer pays for any lender's policy required by the mortgage. Closing-related fees (settlement, examination, search, recording service) are charged separately and vary materially between agencies. Those are the line items most worth comparing.
Frequently asked questions
Why do title rates differ between companies?
Title insurance premiums in Illinois are filed with the Department of Insurance, but each underwriter and agency sets its own closing-related fees, including settlement, examination, search, and recording service charges. Two companies insuring the same property can quote noticeably different totals once those add-ons are included.
Who chooses the title company in an Illinois residential closing?
Under the Multi-Board 8.0 contract, the seller orders title, pays for the owner's policy, and chooses the title company where the closing takes place. The buyer pays for any lender's policy required by their mortgage.
How current are these rate cards?
Title companies update their rate cards periodically. Always confirm the current rate with the title company or with our office before you rely on it.
Do you have a preferred title company?
Selection of the title company is the seller's call under the Multi-Board contract. The right one for any closing depends on the property, the contract, and the timeline.
What does title insurance actually cover?
An owner's policy protects the buyer against undiscovered title defects (forged deeds, missed liens, unrecorded easements, boundary errors, fraud). The lender's policy protects the lender's mortgage interest. The owner's policy is a one-time premium paid at closing and runs for as long as you own the property.
Closing in Illinois? Let's review the numbers together.
We represent buyers and sellers across the Chicago metro. Bring us your contract and settlement statement and we'll tell you exactly what each line item should be.
Looking for tax prorations? Try our Illinois Tax Proration Calculator. Reviewing a contract? See our Attorney Review page.