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Alabama Title Bonds

Rates & Requirements for Alabama Motor Vehicle/Manufactured Home Certificate of Title Bond:

  • No credit check required for vehicles valued at up to $30,000.
  • Minimum Premium: $100
  • Instant Issue: Up to $30,000
  • Merit Rate: 1.5% (up to instant issue limit)
  • See table for amount required

Bond Amount Required for a Title Bond in Alabama

Vehicle Type Less than 5  years old 5 – 10 years old 10 + years old
Trailers $25,000 $10,000 $5,000
Passenger Vehicles/Pickup Trucks $50,000 $25,000 $10,000
Trucks, Busses and RV’s $100,000 $50,000 $25,000
Motorcycles $25,000 $10,000 $5,000
Manufactured Homes* $50,000 $50,000 $25,000

*Manufactured home bond requests must be initiated through a designated agent of the Revenue Department using the electronic title application processing system (ETAPS).

Alabama residents seeking to obtain a duplicate title for a salvage vehicle must purchase a bond in the following amount:

  • 25% of the bond amount for vehicles less than 10 model years old
  • 20% of the bond amount for vehicles 10 or more model years old

Get your Alabama Title Bond in 3 Simple Steps and have it printed today!

Common Questions

What is an Alabama Certificate of Title Bond?

Code of Alabama Section 32-8-36 requires individuals who own vehicles with missing titles to file a surety bond to verify ownership as part of the vehicle registration process. By filing an Alabama certificate of title bond, an individual verifies they’re the sole vehicle owner and acquired it legally.

The title surety bond protects previous owners, lien holders, and future vehicle owners from damages caused by the new certificate of title issuance in lieu of the original title. The surety company will pay valid claims filed against the bond up to the full bond amount, which the bonded vehicle owner would be required to reimburse.

The Alabama legislature enacted the bonding requirement to ensure that the rightful vehicle owner will receive compensation if the title applicant does not actually own the vehicle. A bonded title can not be obtained for vehicles purchased as a body, parts, or without an engine.

What is the Purpose of the Alabama Title Bond?

Alabama requires residents to purchase a surety bond as part of the application process to obtain a duplicate title. The bond ensures that the rightful vehicle owner will not suffer a financial loss if the title applicant is seeking to obtain the title fraudulently. If the title applicant is engaging in fraud, then the rightful vehicle owner can file a claim against the bond and receive compensation up to the full amount of the bond. In short, the bond acts as a safeguard against people attempting to obtain ownership of a vehicle through unethical means.

Who needs an Alabama certificate of title bond?

If you own a vehicle with a missing title in Alabama, the DOR will require you to file a certificate of title bond for registration. You’ll then file your official paperwork with the state to get your bonded title.

Vehicles with open liens or purchased as a junked body, parts, or without an engine are not eligible for an Alabama bonded title.

The Alabama lost title bond is required for a vehicle title to be issued for registration. If you plan to sell vehicles, a separate Alabama motor vehicle dealer bond is required.

The Department of Revenue will require a bonded title in the following scenarios:

  • The vehicle has never been titled
  • Applicant never received the title
  • Previous owner never titled the vehicle
  • Applicant has the title but there is an error in the title transfer
  • Applicant purchased an unclaimed/abandoned vehicle and is not a bonded agent

How much does an Alabama certificate of title bond cost?

Alabama Title Bonds are typically 1.5% of the required bond amount for applicants with good credit. Bonds up to $25,000.00 do not require a credit check and for bonds over $25,000, we have Bad Credit bonding programs that we can get your bond approved and issued. The exact cost will vary depending on the surety bond amount required by the Alabama Department of Revenue. The bond amount will be listed on the bond form provided by the DOR, which you must have before purchasing your bond.

How do I get a certificate of title bond in Alabama?

The application is very simple and straightforward, you will need the following information to complete it:

Once your order has been processed, you’ll receive a copy of your bond by email, and your physical documentation will be delivered based on your preferred shipping method.

How fast can I get my title bond?

The Alabama DOR requires your official bond to be physically delivered to you, so select overnight shipping if you’re in a rush.

Who regulates registration for missing titles in Alabama?

The Alabama Department of Revenue Motor Vehicle Division enforces registration requirements for missing titles, including the Alabama surety bond requirement to verify ownership. Individuals must always get their original bond form directly from the DOR MVD before purchasing their bonded titles.

Do I need to renew my title bond?

Alabama lost title bonds expire 3 years from the effective date and do not renew.

Is a Credit Check Required for the Alabama Lost Title Bond?

We do not conduct a credit check for bonds that are less than $25,000. At limits over $25,000, we will review your standing to determine the qualification and rates for the bond.