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Surety Bonds for Lost Car Titles

If you have a lost or stolen vehicle title, you may need to buy a surety bond. Vehicle title bonds are also known as certificate of title bonds, lost title bonds or defective title bonds, but they all serve the same purpose.

This guide is for those needing a bonded vehicle title. If you are interested in bonding a car dealership, see our Guide to Auto Dealer Bonds.

What Is a Bonded Title?

A bonded title gives an owner the same rights as a standard vehicle title. It is required to register a vehicle when the original title has been lost or stolen.

What Is a Title Bond?

A certificate of title bond guarantees money is available to cover damages on a vehicle for which a bonded title is being issued. Most states require applicants to file a surety bond before they will issue a bonded title. 

SuretyBonds.com is licensed to issue lost car title bonds in all 50 states. We offer the best service, fastest delivery and most affordable prices in the industry. 

How Much Does a Bonded Title Cost?

Title bonds cost a flat rate of $100 for bonds covering $6,000 or less. If the bond amount exceeds $6,000, the premium will increase depending on the state requirements and the exact bond amount. 

Most states require a title bond amount of 1.5-2x the vehicle value. Your bond price will be a small percentage of that amount. For bonded titles with coverage higher than $20,000, your application may need underwriting and additional financial documentation to determine your price. 

Apply for a title bond in your state using the map below:

Why Do I Need a Vehicle Title Bond?

Title bonds verify that you rightfully own your vehicle and entitle you to insure, register or sell the vehicle. Here are common scenarios in which you might need a certificate of title bond:

  • Original car title was lost or stolen
  • Vehicle was paid for but the title was never given, and the lender is out of business
  • Vehicle is too old to have a title
  • Vehicle is custom-made

How to Get a Lost Title Bond

Certificate of title bonds can usually be purchased instantly online or over the phone. You’ll need the following information available when applying for your title bond:

  • Name (as it appears on your driver’s license)
  • Address
  • Vehicle year, make and model
  • Vehicle identification number (VIN)
  • Vehicle value (determined by your local DMV)

Your title bond will be issued immediately once your application is approved and payment is processed. Original bond documents will be sent via mail and must be filed with the DMV. 

Call 1 (800) 308-4358 or apply online to get started now. 

How Long Does It Take to Get a Bonded Title? 

Title bond orders received by 4 p.m. CST Monday-Friday are typically emailed same-day. Purchase now and choose overnight shipping to have your physical bond form by tomorrow.

Once you receive your bond, take it to your licensing office and file for a bonded title. The approval process can then take 4-5 weeks depending on the state. 

Call 1 (800) 308-4358 to talk with a Surety Expert