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Michigan Certificate of Title Bond

How much does a certificate of title bond cost in Michigan?

The Michigan Department of State requires owners of motor vehicles, watercraft or snowmobiles without titles for their vehicles to post vehicle uniform surety bonds to be submitted with their title or registration applications. The bond amount must be equal to 2 times the value of the vehicle. A bond is not required for a vehicle that is at least 6 years old and has a value of $2,500 or less. Any watercraft or snowmobile valued at $2,500 or less also doesn’t require bond coverage. These bonds remain in effect for 3 years from the date of issuance.

The Department of Licensing and Regulatory Affairs requires owners of manufactured homes that have no established record of ownership to file surety bonds equal to 2 times the value of the manufactured home. These bonds are issued for 5 years from the date of issuance.

SuretyBonds.com issues these bonds for varying rates depending on the required amount of the bond. Bonds greater than $25,000 are subject to underwriting consideration, while bonds less than $6,000 are issued instantly for just $100.

Bond Type Bond Amount Cost*
Up to $6,000 Certificate of Title Bond Motor vehicles, watercraft, snowmobiles; 3-year term Up to $6,000 $100 Apply Now
$6,001-$25,000 Certificate of Title Bond Motor vehicles, watercraft, snowmobiles; 3-year term $6,001-$25,000 $100+ Apply Now
$25,001+ Certificate of Title Bond Motor vehicles, watercraft, snowmobiles; 3-year term $25,001+ Subject to Underwriting Apply Now
Up to $6,000 Certificate of Title Bond Manufactured Homes; 5-year term Up to $6,000 $100 Apply Now
$6,001-$25,000 Certificate of Title Bond Manufactured Homes; 5-year term $6,001-$25,000 $100+ Apply Now
$25,001+ Certificate of Title Bond Manufactured Homes; 5-year term $25,001+ Subject to Underwriting Apply Now
*The bond premium rate quotes provided to you through this website are for pricing comparisons and quotation estimate purposes only. The bond rate quotes provided are based on general assumptions that may or may not be applicable to you and are subject to change at any time. These rate quotes do not constitute an offer of insurance, nor is any contract, agreement, or bond coverage implied, formed or bound by the provision of rate quotes. Bondability, final bond premium rate quotes and an offer of insurance, if any, will be determined by the insurance company providing your bond. You must contact us directly to obtain a quote for binding purposes.

Why do I need this bond?

Michigan certificate of title surety bonds indemnify the Department of Licensing and Regulatory Affairs or the Department of State, every employee of the Michigan Department of Licensing and Regulatory Affairs or the Department of State, any prior owner, any subsequent purchaser of the manufactured home or vehicle described above and their successors in interest against any expense, loss or damage, including reasonable attorney fees, that occurs as a result of the issuance of a certificate of title to the principal (vehicle owner) for the vehicle in question.

Please note that this bond is required if you have lost or obtain insufficient evidence of proper ownership of your vehicle. If you are planning to sell cars and other vehicles, a Michigan motor vehicle dealer bond is required.

What’s the fine print?

Uniform surety bonds for manufactured homes in Michigan are issued for 5 years. If no claims are made throughout the bond’s term, the department will return the bond. The year, make, serial number and size of the manufactured home must be listed on the bond form.

Vehicle uniform surety bonds in Michigan are issued for 3 years. If no claims are made against the bond, the department will return it. The year, make, body style/hull type and vehicle identification/hull/serial number of the vehicle, watercraft or snowmobile must be listed on the bond form.

Additional Resources

Michigan Department of State Vehicle Uniform Surety Bond form

Michigan Department of Licensing and Regulatory Affairs Uniform Surety Bond form Manufactured Home

Secretary of State, Department of State: Title and Registration

Secretary of State Department of State Register, Transfer & Title a Vehicle Publications and Forms

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