Florida Bonded Title Guide
If you are registering a vehicle without a title in Florida, you'll need to purchase a surety bond. Read on to learn all about the bonded title application process.
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 Florida
- Regulating Body: The Florida Department of Highway Safety and Motor Vehicles
- Required Amount: 2x the vehicle's appraised value
- Premium Rates: $15/$1,000 of coverage, starting at $100
How Much Does a Florida Certificate of Title Bond Cost?
Florida certificate of title bond costs start at $100. The exact cost will vary depending on the surety bond amount required by the Florida Department of Highway Safety and Motor Vehicles.
- Bond amounts up to $50,000 cost $15 for every $1,000 of coverage, starting at $100.
- Bond amounts for more than $50,000 must be reviewed by an underwriter for pricing, starting at $750.
How Do I Get a Title Bond in Florida?
You can purchase Florida title bonds online 24/7. You must provide the following information for Department of Highway Safety and Motor Vehicles approval.
- Name
- Current vehicle retail value
- Vehicle identification number (VIN)
- Vehicle year, make, and body type
Once your payment has been processed, your surety bond documentation will be issued. You'll receive your official surety bond by email.
How Fast Can I Get a Certificate of Title Surety Bond in Florida?
SuretyBonds.com offers instant Florida title surety bond delivery 24/7. Purchase now to receive your official bond delivered 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 your documents are emailed.
What is a Florida Certificate of Title Bond?
Florida Statute 319.23(7) requires individuals who own a vehicle with a lost or stolen title to purchase and file a surety bond to verify ownership as part of the vehicle registration process.
The Division of Motorist Services stipulates that a vehicle eligible for a bonded title must have been sold in a private sale and must be an automobile, a truck weighing less than 8,000 pounds, or a motorcycle. The vehicle must also be between 10 and 25 years old. Vehicles with security interests, liens, or encumbrances are ineligible for a bonded title.
Florida does not issue bonded titles for vessels, mobile homes, recreational vehicles, or off-highway vehicles. If you require a title for these purchases, refer to Form 82040.
Please note a Florida certificate of title bond is required if you have insufficient vehicle ownership. If you're planning to sell vehicles, a separate Florida motor vehicle dealer bond is required.
Who Regulates Registration for Missing Titles in Florida?
The Florida Department of Highway Safety and Motor Vehicles enforces registration requirements for vehicles with lost, stolen, or missing titles.
Why Do You Need a Florida Certificate of Title Surety Bond?
The Florida title bond protects prior owners and/or lienholders as well as future vehicle buyers in the event the original vehicle title is found.
What is the Certificate of Title Bond Amount?
The amount of a Florida lost title bond should be equal to twice the appraised value of the vehicle established by the Kelley Blue Book valuation guide. If you need help determining your surety bond amount, contact the Department of Highway Safety and Motor Vehicles.
How Do I Update or Change My Title Bond Form?
If the Florida Department of Highway Safety and Motor Vehicles requires your vehicle title bond documentation to be updated for any reason, contact your surety provider. If you purchased your bond from SuretyBonds.com, email [email protected] to explain the needed change.
The most common changes for these bonds include:
- Vehicle information
- Vehicle owner's name
- Bond amount
How Do I Renew My Defective Title Bond in Florida?
Lost title bonds in Florida expire 3 years from the effective date and do not renew.
How Do I Get a Bonded Title in Florida?
Learn How To Get A Florida Bonded Title by reviewing our comprehensive guide.
To get a bonded title in Florida, complete the following steps.
- Fill out Part A of the Vehicle Identification Number and Odometer Verification form.
- Get your vehicle inspected; fill out Part B of the form.
- Purchase a Florida certificate of title bond.
- Complete the title application and affidavit.
- Pay the necessary sales tax and motor vehicle title fees.
- Submit all materials to your nearest FLHSMV office location.
