Have a car in Minnesota with no title? Perhaps you never received a title when you purchased your vehicle, or maybe you never registered the vehicle in your name and lost the title.
If this sounds like you, you aren’t stuck. You can get a Minnesota Bonded Title.
What is a Minnesota Bonded Title?
A Minnesota Bonded Title is a document that proves you own your vehicle. It looks just like a regular title except in the title brand section it will say "Bonded".
The "bonded" brand implies there is a surety bond attached to the title.
You can get a MN Bonded Title if you have no proof of ownership and if your vehicle is 6 model years or older.
What does the surety bond do?
When you purchase a surety bond for a bonded title, you are promising that you are the true owner the vehicle. If someone comes forward later on and says that they are the owner of the vehicle and that you should not have been granted a bonded title, they can make a claim on your bond.
If the claim is determined to be valid, the surety company would either compensate the claimant for their loss, or return the vehicle to them. If the surety company pays out any money, it is your responsibility to repay the surety.
When you Need a Minnesota Bonded Title:
- You bought a vehicle and didn’t receive a title
- You bought a vehicle and only received a bill of sale
- You bought a vehicle and received an improperly assigned title
- You bought a vehicle, received, then lost the title*
*If you had the title in your name, but lost it, you might be able to simply get a duplicate certificate of title.
To apply for a Minnesota Duplicate Certificate of Title, complete the Minnesota Duplicate Certificate of Title Application, mail or take the MN DVS central office location, and pay the duplicate title fee ($8.25) and filing fee ($10).
How to get a Minnesota Bonded Title
Step #1: Contact DMV to make sure you are eligible
Your local DMV is the only entity that can tell you if you are eligible for a bonded title or not.
Contact your local DMV, explain your situation, and ask if you could get a bonded title.
To qualify, your vehicle must be six model years or older.
If they say you qualify, move on to Step #2.
Step #2: Visit a deputy registar office
Go to your local deputy registrar office and provide your complete vehicle description, including your VIN number.
The deputy will:
- provide you with an Affidavit Regarding Due Diligence Form. You must complete this form and get it notarized.
- provide you with a Defective Title Bond form - needed for step #3
- determine the amount of your vehicle - needed for Step #3
Step #3: Take bond form to surety bond company and purchase surety bond
Your bond amount will need to be 1.5x the value of your vehicle (the the deputy determined the value of your vehicle in Step #2).
You do not need to pay the full bond amount to get your bond. Most people only pay $100 for their bond.
To see what you'd pay for a bond, get a free quote below:
The surety bond company will mail your Minnesota lost title bond to you in the mail.
Step #4: Return to deputy registrar and apply for bonded title
To receive the actual bonded title, provide the following to your local deputy registrar office:
- Minnesota lost title bond - that you purchased from the surety bond company
- Application to Title and Register a Motor Vehicle - completed and signed by you
- Five photos of your vheicle:
- Left side
- Right side
- VIN plate
Upon approval of your paperwork (and payment of any title/registration fees), the registrar will issue you a Minnesota bonded title.
For questions about the process, visit the Minnesota DPS bonded title page.
Does my Minnesota Bonded Title Expire?
Yes. In Minnesota, MN Bonded Titles expire 3 years from their effective date.
If no one comes forward during those 3 years and makes a claim against your Minnesota Lost Title Bond, you can go and apply for the "bonded" brand to be removed from the title.