MN certificate of title bonds.
From $100. Enter your amount.

When you can't prove ownership of a vehicle, Minnesota lets you get a bonded title — file a surety bond under Minn. Stat. 168A.07 and Driver and Vehicle Services issues the title. Pricing starts from $100; your exact price appears at the application. The amount is one and a half times the vehicle's value.

For owners with missing, lost, or defective proof of ownership under Minn. Stat. 168A.07
Amount is one and a half times the vehicle’s value as determined by the department
0.9% of the bond amount, $100 minimum — priced by amount, not a credit tier
0.9% rate$100 minimum, by bond amountInstantapproval for mostNo credit reviewnot even a soft pull
Trusted by industry leaders
NYCEDC
BDG
Capital
McKinney
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Triple Five
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NYCEDC
BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Apply to bonded title in one sitting.

No underwriting queue for the standard title bond — enter your amount, pay, and take the executed bond to Driver and Vehicle Services. Here is the whole thing:

TODAY · ONLINE

Apply online

Your details, the vehicle, and the bond amount (one and a half times the vehicle's value) — that is the entire application.

INSTANTLY

Issued on the spot

The application collects no credit information, and most applicants have the executed bond as soon as they pay. Larger amounts may get a quick review.

SAME DAY

File with Driver and Vehicle Services

Take the executed bond and your title application to Driver and Vehicle Services to get your bonded title. Wet-ink originals mailed whenever the office insists.

About this bond

What it is and who needs it.

What the bonded title actually does

When you buy or inherit a vehicle and the paperwork is missing, lost, or defective, Minnesota lets you establish ownership with a bonded title under Minn. Stat. 168A.07. You post a surety bond, Driver and Vehicle Services issues a certificate of title in your name, and the bond protects anyone who later proves a superior claim to the vehicle.

The bond amount is one and a half times the vehicle's value, as determined by the department. The bond indemnifies any prior owner, secured party, and any later purchaser against expense, loss, or damage — including reasonable attorney's fees — by reason of the issuance of the title or any undisclosed security interest.

If someone with a better claim comes forward and is harmed, they can recover against the bond — and if the surety pays, you repay the surety. The bond runs for three years from the date of issuance, after which a clean title issues if no valid claim was made.

Minn. Stat. 168A.07Minn. Stat. 168A.07 lets an applicant with insufficient proof of ownership obtain a Minnesota certificate of title by filing a surety bond (or cash deposit) in an amount equal to one and a half times the value of the vehicle as determined by the department. The bond indemnifies prior owners, secured parties, and subsequent purchasers against loss from the issuance of the title, and runs for three years.

You need this bond if you are

A buyer with no title — the seller never delivered one or it was lost
Titling an inherited or gifted vehicle with gaps in the ownership chain
Holding a defective title Driver and Vehicle Services won't accept as proof of ownership
Registering an abandoned or project vehicle that needs a bonded title to get on the road

One application, issued on the spot.

Submit the application with your bond amount (one and a half times the vehicle's value) — the executed title bond is generated instantly, ready to take to Driver and Vehicle Services.

Start the application →
FAQ

Common questions.

How much is the Minnesota title bond?The premium is 0.9% of the bond amount, $100 minimum — priced by your bond amount, not a credit tier. The bond amount is set at one and a half times the vehicle's value. Apply and your exact price appears at the application.
How do I figure out the bond amount?It's one and a half times the vehicle's value as determined by the department. Establish value with a recognized valuation guide or appraisal, then multiply by 1.5. Driver and Vehicle Services confirms the figure when you apply for the bonded title.
Is there a credit check?The application collects no credit information, and most applications approve instantly. If a check ever runs — more likely on larger bond amounts — it is a soft pull that never affects your credit score.
What does the bond protect against?It protects any prior owner, secured party, or later purchaser who proves a superior claim to the vehicle. If a valid claim is paid, you repay the surety — it is not insurance for you, it is a guarantee that backs your bonded title.
How long does the bond last?A Minnesota title bond runs three years from the date of issuance. If no valid claim is made, a clean (non-bonded) certificate of title issues at the end of the period.
Related bonds

Other Minnesota bonds.

Bonded title, issued today.

Pricing from $100. Enter your amount and take it to Driver and Vehicle Services the same day.

Your premiumfrom $100
Apply now →