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Tennessee Certificate of Title Bond

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

The Tennessee Department of Revenue requires all owners of vehicles without certificates of title within the state to provide a surety bond prior to getting a bonded title. The required bond amount must be equal to the appraised value of the vehicle multiplied by 1.5. Contact the Vehicle Services Section of the Department of Revenue and provide your vehicle identification number, or VIN, to find out your exact bond amount before purchasing your bond.

Tennessee title bonds up to $10,000 cost just $100—no underwriting required. Bond amounts between $10,000 and $25,000 will also be issued instantly and cost $10 for every $1,000 of coverage. Bond amounts exceeding $25,000 are subject to underwriting consideration.

Bond Type Bond Amount Cost*
$1-$10,000 Certificate of Title Bond $1-$10,000 $100 Buy Now
$10,001-$25,000 Certificate of Title Bond $10,001-$25,000 $100+ Buy Now
$25,001+ Certificate of Title Bond $25,001+ Subject to Underwriting Buy Now

Why do I need a Tennessee title bond?

Tennessee certificate of title bonds are put in place to protect the state and general public from financial loss that occurs as a result of the issuance of a new certificate of title for the vehicle in question. By posting this bond, the principal (vehicle owner) takes full responsibility for these damages if they do occur.

Please note this bond is required for a vehicle title to be issued. If you are planning to sell cars and other vehicles, a Tennessee motor vehicle dealer bond is required.

What’s the fine print?

If you own a vehicle in Tennessee that is unregistered and needs a certificate of title, the Department of Revenue mandates that you secure a surety bond. The bond remains valid for 3 years from the effective date. If the vehicle is no longer registered with the state before the 3 years are up, then the owner can return the certificate of title to the state if there are no pending claims.

Additional Resources

Tennessee Certificate of Title Bond Form

Tennessee Department of Revenue: Vehicle Title & Registration Forms

Tennessee Code: Title 55, Chapter 3, Section 103

Tennessee Code: Title, Chapter 3

Tennessee Department of Revenue

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