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Michigan Certificate of Title Bond

How much does a vehicle uniform surety bond cost in Michigan?

The Michigan Department of State requires owners of motor vehicles, watercraft or snowmobiles without titles to post vehicle uniform bonds with their title or registration applications. Michigan’s Vehicle Title Division mandates the title bond amount must be equal to 2 times the value of the vehicle. Vehicle uniform title bonds up to $6,000 cost $100 and are issued instantly, while bonds greater than $25,000 are subject to underwriting consideration. Bonds between $6,000 and $25,000 are also issued instantly and the cost is $15 per $1,000 of coverage and they start at $100.

Bond Type Bond Amount Cost*
Up to $6,000 Certificate of Title Bond Motor vehicles; 3-year term Up to $6,000 $100 Buy Now
$6,001-$25,000 Certificate of Title Bond Motor vehicles; 3-year term $6,001-$25,000 $100+ Buy Now
$25,001+ Certificate of Title Bond Motor Vehicles; 3-year term $25,001+ Subject to Underwriting Buy Now
Up to $6,000 Certificate of Title Bond Watercraft; 3-year term Up to $6,000 $100 Buy Now
$6,001-$25,000 Certificate of Title Bond Watercraft; 3-year term $6,001-$25,000 $100+ Buy Now
$25,001+ Certificate of Title Bond Watercraft; 3-year term $25,001+ Subject to Underwriting Buy Now

What is a Michigan vehicle uniform surety bond?

A title vehicle uniform surety bond provides proof of vehicle ownership. The Michigan Department of State requires applicants to provide additional information on the bond form for the following vehicles:

  • vehicle title (must include year and make of vehicle, body style, and vehicle identification number)

  • watercraft title (must include year and make of watercraft, hull type, and hull number)

  • watercraft registration (must include year and make of watercraft, hull type, and hull number)

  • snowmobile registration (must include year, make, and serial number of snowmobile)

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. If no claims are made against the bond, the department will return it.

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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.

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.

How to get a Michigan title bond

For vehicles:

For manufactured homes:

All relevant forms can be found below in the Additional Resources section.

A bond may not be obligated for a vehicle that is at least 10 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.

Additional Resources

Michigan Department of State Vehicle Title and Registration Application Form

Michigan Department of State Vehicle Uniform Surety Bond Form

Michigan Department of Licensing and Regulatory Affairs Application Manufactured Home Ownership 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