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Mississippi certificate of title bonds.
From $100.

Also known as the Mississippi bonded title bond.

When you can't prove ownership of a vehicle, Mississippi lets you get a bonded title — file a surety bond under Miss. Code §63-21-23 with the Department of Revenue Title Bureau and the state issues the title. Pricing starts from $100, and the application collects no credit information; the amount is 1.5× the vehicle's value.

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For owners with missing, lost, or defective proof of ownership under Miss. Code §63-21-23
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Amount is one and a half times the vehicle value as determined by the Department of Revenue
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From $100 — the application collects no credit information; enter your bond amount to see your price
0.9% of amount$100 minimumInstantapproval for mostNo SSNon this application
Trusted by industry leaders
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
New York City Economic Development Corporation (NYCEDC)
Blumenfeld Development Group (BDG)
Capital Development Partners
McKinney Properties
Terra Capital
JLL (Jones Lang LaSalle)
Triple Five Group
The Georgetown Company
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 the Title Bureau. Here is the whole thing:

TODAY · ONLINE

Apply online

Your details, the vehicle, and the bond amount (1.5× the vehicle's value) — that is the entire application.

INSTANTLY

Issued on the spot

The application collects no credit information, and most bonds issue as soon as you pay — no waiting. Larger amounts may get a quick review.

SAME DAY

File with the Title Bureau

Take the executed bond and your valuation paperwork to the Department of Revenue Title Bureau 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, Mississippi lets you establish ownership with a bonded title under Miss. Code §63-21-23, part of the Motor Vehicle Title Act. You post a surety bond, the Department of Revenue Title Bureau 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 of Revenue. So a vehicle valued at $5,000 takes a $7,500 bond — pricing for a bond that size starts from our $100 minimum premium.

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 is active for three years from issuance, after which a clean (non-bonded) title issues if no valid claim has been made.

Miss. Code §63-21-23 (Title Bureau)Mississippi Code §63-21-23, part of the Motor Vehicle Title Act, lets an owner with insufficient proof of ownership obtain a Mississippi certificate of title by filing a surety bond with the Department of Revenue Title Bureau in an amount equal to one and a half times the vehicle's value as determined by the Department. The bond is active for three years from issuance.

You need this bond if you are

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A buyer with no title — the seller never delivered one or it was lost
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Titling an inherited or gifted vehicle with gaps in the ownership chain
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Holding a defective title the state will not accept as proof of ownership
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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 (1.5× the vehicle's value) — the executed title bond is generated instantly, ready to take to the Title Bureau.

Start the application →
FAQ

Common questions.

How much is the Mississippi title bond?The premium is 0.9% of the bond amount, with a $100 minimum. The bond amount is set at 1.5× the vehicle's value, so lower-value vehicles land near the $100 minimum and the price scales up from there. Enter your amount 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 Mississippi Department of Revenue. Take the vehicle's value and multiply by 1.5. The Title Bureau confirms the value figure as part of the bonded-title process.
Is there a credit check?The application collects no credit information. Most applications approve instantly; larger bond amounts may get a quick review, and if a credit check ever runs, it is a soft pull that never affects your score.
What does the bond protect against?It protects anyone who later proves a superior ownership 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 Mississippi title bond is active for three years from issuance. If no valid claim is made, a clean (non-bonded) certificate of title issues at the end of the period.
Which A-rated carriers underwrite these bonds?Typically Arch Insurance Company (A.M. Best A+) or Nationwide Mutual Insurance Company (A.M. Best A). Which one writes your bond depends on the bond type and your state. The carrier's name and official signature are printed on the bond you receive.
How do I contact Light RFP about this bond?Email insurance@lightrfp.com. It reaches the bond team at Light RFP Risk Management Services LLC (NY DFS License # PC-1978982). Write to us about quotes, applications, bond forms or certificates. We will respond within 24 hours.
Related bonds

Other Mississippi bonds.

Bonded title, issued today.

Pricing from $100. Enter your amount and take it to the Title Bureau the same day.

Your premiumfrom $100
Apply now →