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New York Certificate of Title Bond

Price Varies / 3 year term


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How much does a certificate of title bond cost in New York?

New York title bond costs start at $100. The exact cost varies depending on the surety bond amount required by the New York Department of Motor Vehicles.

  • Bond amounts up to $3,300 cost just $100.
  • Bond amounts from $3,301 to $25,000 cost $30 for every $1,000 of coverage, starting at $100.
  • Bond amounts from $25,001 to $50,000 cost $15 for every $1,000 of coverage, starting at $375.
  • Bond amounts greater than $50,000 must be reviewed by an underwriter for pricing, starting at $1,500.

How do I get a New York certificate of title bond?

New York defective title bonds can be purchased online 24/7. The following information must be provided for DMV approval.

  • name
  • address
  • vehicle identification number (VIN)
  • vehicle year and make

Once your payment has been processed, you'll receive a digital copy of your surety bond by email. Your official bond will be delivered based on your preferred shipping method.

How fast can I get a lost title surety bond?

SuretyBonds.com offers instant New York lost title bond purchasing 24/7. Purchase now to receive a copy of your bond delivered in minutes by email. If you're in a rush, choose our overnight shipping option during checkout.

*Note: If your bond amount is higher than $25,000, your purchase order will be reviewed by a team member before your bond confirmation is emailed.

Bond Type
$100-$3,300Certificate of Title Bond
$3,301-$25,000Certificate of Title Bond
$25,001-$50,000Certificate of Title Bond
$50,001-$100,000Certificate of Title Bond

What is a New York certificate of title bond?

New York Vehicle and Traffic Law Chapter 71, Title 10, Article 46 requires individuals without sufficient proof of vehicle ownership file a certificate of title surety bond. By filing this bond, the individual verifies they legally own the vehicle and that it was not acquired under fraudulent conditions. These bonds must be filed within 30 days of issuance.

Why is the New York defective title bond required?

Certificate of title bonds protect previous lien holders, owners, and potential future owners from expenses or losses resulting from the bonded certificate issuance. If the original title is found and a valid claim is filed against the bond, the surety company will pay damages up to full bond amount. The bonded vehicle owner must then reimburse the surety company for the claims paid out.

Who registers vehicles in New York?

The New York State Department of Motor Vehicles enforces registration requirements for vehicles with lost, stolen, or missing titles.

Who needs a New York state title bond?

Individuals trying to register vehicles with missing titles in the state must file a certificate of title bond. Vehicles with open liens cannot be bonded.

Please note a New York certificate of title bond is required if you have insufficient vehicle ownership. If you're planning to sell vehicles, a separate New York vehicle dealer bond is required.

How is the bond amount determined?

The required bond amount is calculated as 1.5 times the current vehicle value as determined by a licensed appraiser in the state. If you have questions about your required bond amount, contact your local DMV before purchasing your bond.

How do I update or change my surety bond form?

If the New York Department of 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 our customer service team at [email protected] to explain the needed change.

The most common changes for these bonds include the owner's name or the specific vehicle information.

Does your bonded title expire?

Your New York certificate of title bond will expire at the end of its 3-year term. It will then be returned to you if the vehicle is no longer registered in the state and there are no pending claims against it.

How do New York residents apply for a bonded title?

  1. Find a licensed appraiser to determine the value of your vehicle.
  2. Calculate your bond amount as 1.5 times your vehicle appraisal value.
  3. Purchase a certificate of title surety bond.
  4. Submit a title application and surety bond to the following address.

Department of Motor Vehicles
Title Bureau
6 Empire State Plaza
Albany, NY 12228

Call 1 (800) 308-4358 to talk with a Surety Expert