Colorado Title Bond Guide
SuretyBonds.com provides the fastest and easiest way to get your Colorado bonded title. Learn how to navigate the lost vehicle title bonding process with our complete guide.
Bond Overview
- Purpose: To provide financial security if there are disputes about a vehicle's ownership
- Who Needs It: Individuals with insufficient proof of vehicle ownership in Colorado
- Regulating Body: The Colorado Division of Motor Vehicles
- Required Amount: 2x the vehicle's appraisal value
- Premium Rates: $10 per $1,000 of coverage, starting at $100
What Is a Colorado Bonded Title
A bonded title is a certificate of title backed by a surety bond that allows you to legally register a vehicle with the state of Colorado.
It proves you are the legal owner of a vehicle when the original title is invalid, unavailable or can not be transferred.
What Is a Colorado Certificate of Title Bond?
42-6-115, Colorado Revised Statutes requires individuals with insufficient proof of vehicle ownership to file a surety bond as part of the vehicle registration process.
The Colorado certificate of title bond creates financial security if a car turns out to be stolen or the title is fraudulent.
What Title Bond Amount Do I Need?
Your Colorado title bond amount must be two times the vehicle’s current appraisal value.
You can get an appraisal by a state-licensed new or used motor vehicle dealer. Or, you can determine your vehicle’s value using Kelley Blue Book or NADA. Print out the valuation sheet and circle the current value to submit to the DMV.
You’ll also need to provide a Statement of Fact (DR 2444) stating that you wish to use the amount listed as the retail market value.
How Much Do Title Bonds Cost in Colorado?
Colorado certificate of title bond costs start at $100 for the 3-year term. Exact pricing varies depending on the bond amount:
- $100–$6,000 Bond: Costs $100
- $6,001–$50,000 Bond: Costs $10 per $1,000, starting at $100
- $50,000+ Bond: Start at $750, application required
Select your bond amount below to buy now or apply for a free quote.
SuretyBonds.com offers the lowest available rates from our nationwide provider network with no added fees.
How Does a Colorado Vehicle Title Bond Work?
A Colorado title bond creates a legal contract between three parties:
- Principal: The new vehicle owner
- Obligee: The Colorado Department of Revenue, Division of Motor Vehicles
- Surety: The surety bond provider
The Colorado bonded title protects any prior owners and lienholders or any future purchaser of the vehicle from expenses, losses, or damages.
For example, if the original title is found and a valid claim is made against the bond, the surety company will pay damages up to the full bond amount. The bonded vehicle owner must then reimburse the surety.
Who Needs a Certificate of Title Bond?
The Colorado DMV requires a bonded title when title documents are unavailable, incorrect or cannot be transacted on.
In these cases, owners need to purchase a certificate of title bond to register and title their vehicle.
How Do I Get a Certificate of Title Bond in Colorado?
You can purchase your Colorado title bond online 24/7 with SuretyBonds.com. You must provide the following information for DMV filing approval:
- Vehicle year, make and model
- Vehicle body type
- Vehicle identification number
- Vehicle value
Once you checkout, you'll receive your official title bond in minutes via email.
How Fast Can I Get My Bond?
SuretyBonds.com offers instant Colorado lost title bond delivery online 24/7. Purchase now to receive your official bond in minutes by email.
Note: If your bond amount is higher than $50,000, your purchase order will be reviewed by a team member before we email your documents.
How to Get a Bonded Title in Colorado
The Colorado Department of Revenue – Division of Motor Vehicles oversees registration requirements for vehicles with lost, stolen or missing titles.
Follow the seven steps below to apply for your Colorado bonded title.
Step 1: Get your vehicle inspected
Schedule a VIN inspection with the Colorado State Patrol for $53. They will provide a certified VIN Inspection form (DR 2704).
Step 2: Complete the Affidavit of Intended Use
Complete a Motor Vehicle Requestor Release Affidavit of Intended Use (Form DR 2489a). Use this form to request a title record search from the state.
If a prior title holder is found, attempt to contact them via mail and submit proof through PS Form 3811-A.
This search will also reveal if there are active liens on the vehicle. If so, they must be released.
Step 3: Appraise the vehicle
Get an appraisal by a licensed new or used motor vehicle dealer. Or, you can determine your vehicle’s current value using a national valuation website.
Step 4: Fill out Statement of Fact
Complete a Statement of Fact (DR 2444) stating that you wish to use the amount listed as the retail market value.
Step 5: Purchase a certificate of title bond
Your bond coverage must be 2 times the appraisal value of the vehicle. Buy your Colorado title bond online for as low as $100.
Step 6: Complete form DR 2394
Complete the Bond Statement Guide & In Lieu of Bond Affidavit (DR 2394). Explain in detail why the bonded title is necessary and what efforts have been made to locate the original.
Step 7: Submit all documents
Once all your documents are complete, bring them to your local DMV. They will help you finish the application materials and issue a bonded title once approved.
How Much Does It Cost to Get a Bonded Title In Colorado?
Most applicants can expect to pay around $163–$500 to receive a bonded title in Colorado.
Here’s a breakdown of the costs and fees:
- Inspection fee: $53
- Record search fee: $2.20
- Title fee: $7.20
- Lien release fee (if necessary): $7.20
- Certificate of title bond: Premiums start at $100, vary based on vehicle value
Exact rates may vary. Visit your local DMV office or website to verify current fees.
Can I Get Bonded With Bad Credit?
Yes, you may still be able to get a bonded title with bad credit.
Colorado certificate of title bonds are typically available for instant purchase with no credit check.
If your bond does require an application, we’ll search for the best available rate with our surety markets.
Do I Need to Renew My Bonded Title?
Bonded titles in Colorado last for three years and do not require renewal.
After the bond expires, you’ll be eligible for a standard certificate of title. The Department of Revenue will return your bond as long as there are no pending claims.
Can I Update My Bond Form?
Yes, if the Colorado DMV requires your lost title bond documentation to be updated for any reason, contact your surety provider.
The most common changes for these bonds include updating the:
- Vehicle information
- Owner name
- Address
If your bond form needs amended for any reason, email [email protected] to explain the request.
