Title Bond: A Surety Bond to Establish Vehicle Ownership

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What is a Surety Bond?

A title bond (also called a certificate of title surety bond or lost title bond) is a financial guarantee used when you don’t have a valid title for a vehicle. It allows you to register, insure, or sell a vehicle when the original title is missing or doesn’t show you as the rightful owner.

How Much Does a Title Bond Cost?

Typical pricing:

Vehicles valued up to $10,000: $100 flat
Over $10,000: add $10 for every $1,000 over the base (e.g., $13,000 = $130)

Higher-value vehicles may require underwriting, which could take 1–2 days longer for approval.

Who determines the cost of a Bond?

Surety companies, by taking under consideration risks and corresponding rates (prices).

My bond is not eligible for auto issue, what now?

No worries, you can still get the bond! The underwriter will evaluate your submission and you will get a quote for the bond.

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Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across Montana and beyond.

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List of states that accept title bond

Alabama Alaska Arizona Arkansas California Colorado Connecticut Florida Georgia Idaho Illinois Indiana Iowa MaineMichigan Minnesota Mississippi Missouri Montana Nebraska New Hampshire Nevada New Jersey New Mexico New York North Carolina North Dakota Rhode Island Tennessee Texas Utah Vermont Washington Wisconsin Wyoming

How to Get a Title Bond

Check with your DMV to confirm eligibility and determine the required bond amount (usually 1.5x or 2x the vehicle value)
Determine vehicle value using NADA, Kelley Blue Book, or a professional appraisal
Apply online or through a bonding agency to purchase the bond
Submit your bond and DMV paperwork, including an affidavit of ownership, mileage statement, and inspection documents

Duration & Claims

Most title bonds are valid for 3–5 years
After the bond period ends with no claims, you may request a clean title
If someone claims ownership during the bond period, the bond pays them, and you must reimburse the surety

Real-World Experiences

“I paid $200 because the car was worth about 14k… the bonded title lasts 3 years, then you get a clear one.”
“It took nearly two years to get the title and a VIN for my car.”

Should You Get a Title Bond?

✅ Yes, if:

You bought a vehicle without a valid title
Ownership documents are missing or defective
DMV requires a bonded title to proceed

⚠️ Keep in mind:

The bond premium is non-refundable
You’re financially responsible if a valid owner comes forward
The process may take several weeks or even months in complex cases

Summary

What it is: A financial guarantee used in place of a missing or invalid vehicle title
When it’s needed: When DMV can’t issue a standard title
Cost: Starts at $100, increases with vehicle value
How it works: Buy a bond, file DMV documents, wait for bond period to pass
Duration: 3–5 years
Risk: You repay the bond if someone successfully claims the vehicle

Title Bond: A Surety Bond to Establish Vehicle Ownership