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Missouri Certificate of Title Bond

Price Varies / 3 year term

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How much does a Missouri certificate of title bond cost?

The cost of a Missouri certificate of title bond depends on the amount of the surety bond being required by the Missouri Department of Revenue and is calculated as follows:

  • Bonds up to $10,000 are issued instantly for $100
  • Bonds between $10,001 and $25,000 are issued instantly, and the cost is $10 for every $1,000 of coverage
  • Bonds greater than $25,000 must be approved by an underwriter, who will review the application before giving a quote

What is my bond amount?

The Missouri Department of Revenue requires the bond amount to be twice the appraisal value of the vehicle, and it cannot be less than $100. The vehicle owner can calculate the amount of their bond using Kelley Blue Book or by getting the average of two appraisals from licensed Missouri motor vehicle dealers. Although it is the responsibility of the vehicle owner to determine their bond amount, it is recommended that you contact your local DMV if you have any questions about the process.

Bond Type
$100-$10,000Certificate of Title Bond
$10,001-$25,000Certificate of Title Bond
$25,001-$50,000Certificate of Title Bond

What is a title bond, and why do I need one?

A title bond is a financial guarantee required when a vehicle owner cannot provide adequate proof of ownership. If the title is lost or defective, the Missouri Department of Revenue may tell an applicant to get a surety bond as a means of getting a bonded title, which gives them the same ownership rights as a regular title. The bond is in effect for 3 years, at the end of which they can receive an original title to the vehicle.

The Missouri Department of Revenue requires vehicle owners to get a lost title bond to protect itself from any financial losses that might occur as a result of the issuance of a new certificate of motor vehicle ownership. In the event a claim is made against the bond, the surety will cover any losses up to the full amount of the bond and the principal must reimburse the surety for all money paid.

To qualify for a bonded title in Missouri, the vehicle being titled must be at least 7 years old and cannot have a value of more than $3,000. Bonded titles will not be issued for vehicles if there is a record of it being titled previously with the Motor Vehicle Bureau or if there is a record of conflict over the ownership of the vehicle.

This bond only allows a vehicle title to be issued. If you plan on selling cars and other vehicles, a Missouri motor vehicle dealer bond is required.

Can a Missouri title bond be canceled?

A Missouri title bond can be canceled at any time by the surety, as long as written notice is provided to the DMV at least 30 days prior to the proposed cancellation date.

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