Utah Bonded Title Guide
SuretyBonds.com provides the fastest and easiest way to get a Utah bonded title. Learn how to navigate the defective vehicle title bonding process with this complete guide.
Bond Overview
- Purpose: To guarantee legal ownership of a vehicle without a title
- Who Needs It: Individuals registering a vehicle in Utah without a valid title
- Regulating Body: The Utah Division of Motor Vehicles
- Required Amount: 2x the vehicle’s appraised value
- Premium Rates: $15/$1k of coverage, $100 minimum
What Is a Utah Bonded Title?
A Utah bonded title is simply a vehicle title backed by a surety bond. It proves you are the legal owner of a vehicle when the original title is invalid or unavailable.
What Is a Utah Defective Title Bond?
Utah Statute 28.10.216 requires individuals with insufficient proof of vehicle ownership to file a surety bond as part of the vehicle registration process.
The official bond form is titled Insufficient Evidence of Ownership Bond, However, it may also be referred to as:
- Defective title bond
- Certificate of title bond
- Lost title bond
The title bond acts as financial security to repay losses in the event of theft or forgery.
How Much Title Bond Coverage Do I Need?
The Utah DMV requires bonded title applicants to file a surety bond worth 2 times the vehicle’s fair market value.
You can calculate the vehicle’s value using online tools like NADA.
How Much Do Defective Title Bonds Cost in Utah?
Utah title bonds cost $100–$650 for most applicants.
Your exact rate will vary based on the vehicle’s value and corresponding bond amount:
- Bond amounts <$6,000: Cost $100
- Bond amounts $6,001–$50,000: Cost $15 per $1,000 of coverage, starting at $100
- Bond amounts $50,000+: Start at $750, application required
Buy now to receive your official bond in minutes via email or submit an application.
SuretyBonds.com offers the lowest available rates from our nationwide provider network with no added fees.
How Does a Utah Defective Title Bond Work?
A Utah title bond creates a legal contract between three parties:
- Principal: You, the bonded title applicant purchasing the bond
- Obligee: The Utah Division of Motor Vehicles
- Surety: The provider issuing the bond
By filing this bond, you verify you are the vehicle's sole, legal owner to the best of your knowledge. If another party provides ownership documentation, the surety company will pay valid claims up to the full bond amount, which you must reimburse.
Who Needs a Defective Title Bond?
In Utah, individuals without a title ownership certificate may need to file a surety bond to register a vehicle valued over $3,000.
If the Ownership Statement you submit is incomplete and/or pictures justify that a bond is required, the DMV will notify you after you submit your Application for Title/Registration. Find more details on the application process below.
How Do I Get a Defective Title Bond in Utah?
SuretyBonds.com provides the fastest and easiest way to get an insufficient proof of vehicle ownership title bond. You’ll need to provide the following information for DMV approval:
- Name (as it appears on your Utah drivers license)
- Title type (defective title or insufficient ownership)
- Vehicle identification number (VIN)
- Vehicle year, make, model, and body type
How Fast Can I Get My Bond?
You can buy a Utah defective title bond online 24/7. Once your payment is received, your official bond documents will be delivered to your email.
Note: Bond amounts over $50,000 require a quick underwriting review to determine pricing. Most bonds can be processed the same day.
How Do I Get a Bond for a Defective Car Title in Utah?
The Utah Tax Commission, Division of Motor Vehicles regulates vehicle registration in the state, including requirements for vehicles with missing titles. To be eligible for a bonded title, you must be a permanent resident of Utah and the vehicle must be located in the state.
Follow the 6 steps below to apply for your Utah bonded title.
Step 1: Contact the DMV
Start by reaching out to the DMV to confirm your eligibility for a bonded title and understand the specific requirements.
Step 2: Conduct a VIN inspection (if applicable)
If the vehicle is registered out-of-state, schedule and complete a Vehicle Identification Number (VIN) inspection at an authorized location.
Step 3: Prepare your ownership statement
Complete the Ownership Statement form (TC-569A) explaining why you lack a title and how you acquired the vehicle. Include information about any existing liens, as well as a detailed description of the vehicle’s current condition.
Step 4: Collect the required documents
Gather the following documents for your bonded title application:
- A completed Ownership Statement form
- A VIN inspection report (if applicable)
- A bill of sale or any release of ownership documentation
- A Vehicle Application for Utah Title form (TC-656)
- Digital photographs of your vehicle capturing its condition, inside and out
Step 5: Purchase a surety bond (if required)
The DMV will inform you if a surety bond is necessary. If required, purchase and file a title bond worth 2x the appraised value of the vehicle.
Step 6: Submit your application
After compiling all documents, make copies for your records and submit your application in one of the following ways:
- By Mail: DMV/Miscellaneous Services, 210 N 1950 W, Salt Lake City, UT 84134
- By Email: [email protected]
Once approved, you’ll receive your Utah bonded title in the mail. For more detailed information, visit the Utah DMV website or contact your local DMV office.
How Do I Update My Bond Form?
The most common changes for defective title bond forms include updating the:
- Vehicle information
- Owner name
- Address
If the Utah DMV requires an update to your title bond form for any reason, email [email protected] to explain the request.
Can I Get Bonded With Bad Credit?
Yes, these bonds are typically available for instant purchase with no credit check. If your bond requires an application because your vehicle is valued over $25,000, we’ll search for the best available rate.
How Do I Renew My Defective Title Bond?
Utah bonded titles expire seven years from the effective date and do not renew. The state will return the bond at that time and you can apply for a standard title.
How Can I Avoid Claims Against My Title Bond?
To avoid claims made against Utah defective vehicle title bonds, you should only seek a bonded title for vehicles purchased or otherwise acquired legally.
How Can I Prove Ownership of a Car Without a Title?
In Utah, if you are missing a car title, you can demonstrate ownership through:
- A bill of sale
- A previous registration
- A safety/emission certificate
- An Ownership Statement explaining how you acquired the vehicle
You may need to purchase a title surety bond to accompany your ownership statement as added financial security for the Utah State Tax Commission.
How to Apply for an Abandoned Vehicle Title in Utah
If you wish to register an abandoned or impounded vehicle in Utah that has not been claimed, you must submit an Insufficient Evidence of Ownership Packet to the DMV’s Vehicle Compliance Services. You’ll be notified if a surety bond is necessary.
