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Alaska Title Bonds

Rates & Requirements for Alaska Title Bonds:

  • Minimum Premium: $100
  • No credit check required for vehicles valued at up to $30,000.
  • Instant Issue: Up to $30,000
  • Merit Rate: 1.5% (up to instant issue limit)
  • Amount Required: 1.5X The value of the vehicle as determined by the local DMV/NADA/KBB

If you own a motor vehicle, motorhome, boat, mobile home, motorcycle or other titled property you are required to show proof of ownership to the State of Alaska. Usually, this is your title. If your title has become lost, stolen, damaged or defective, you can provide the state with a Certificate of Title Bond in order to replace your title and register your vehicle.

Common Questions

What is an Alaska certificate of title bond?

Alaska Statute 28.10.216 requires individuals to file a surety bond to register a vehicle or trailer without proper ownership evidence. The bond form is titled “Vehicle Title Surety Bond,” but it’s more commonly known as a “certificate of title bond” or “lost title bond.” The Alaska lost title bond protects former owners or subsequent purchases who can sue on the bond if there’s an ownership dispute. The surety company will pay valid claims up to the full bond amount, which the bonded vehicle owner must then reimburse. The Alaska 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. The bond amount must be equal to one and a half times the appraised value of the motor vehicle.

What is the cost of an Alaska certificate of title bond?

Alaska certificate of title bond costs start at $100 for the state-required 3-year term. The exact cost varies depending on the bond amount required by the Division of Motor Vehicles.

  • Bond amounts less than $6,000 cost $100.
  • Bond amounts from $6,001 to $50,000 cost $15 for every $1,000 of coverage, starting at $100.
  • Bond amounts more than $50,000 must be reviewed by an underwriter for pricing, starting at $750.

The Alaska Lost Title Bond costs either $100 or 1.5% of the bond amount, whichever is greater (rates may vary for bonds greater than $25,000).

How is the Bond Amount Determined?

Alaska statute 28.10.26 dictates that the limit on the lost title bond must be equal to one and a half times the vehicle’s appraised value. If you need help determining your vehicle value or required bond amount, the state advises you to contact a licensed dealer, insurance appraiser, or bank.

Is a Credit Check Required for the Alaska 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.

Why do you need an Alaska certificate of title bond?

Alaska requires all individuals applying for a duplicate vehicle title to file a three year, noncancelable, surety bond. However, if the vehicle weighs 500 pounds or less the DMV may not require the title applicant to be bonded. Title applicants for vehicles weighing 500 pounds or less should check with their local DMV to determine if they need to purchase a bond or not.

By filing this bond, you verify you’re the vehicle or trailer’s true legal owner despite not having proper ownership evidence. Filing a surety bond allows you to get a bonded title for your vehicle. The following vehicles are not eligible for bonded titles.

  • abandoned vehicles
  • vehicles acquired through a work and/or storage lien
  • vehicles acquired through a towing and storage lien
  • foreign vehicles without proper customs documentation
  • disassembled vehicles

If you plan to sell vehicles, a separate Alaska motor vehicle dealer bond is required.

How can you get an Alaska vehicle title bond?

You can purchase your Alaska vehicle title bond online 24/7. You must provide the following information for the Division of Motor Vehicles approval.

  • vehicle owner’s name
  • vehicle identification number (VIN)
  • year
  • make
  • model
  • body type
  • color
  • license plate number
  • license plate state

Once your payment is processed, you’ll receive your official Alaska vehicle title bond by email instantly.

Who regulates vehicle registration in Alaska?

The Alaska Department of Administration Division of Motor Vehicles enforces registration requirements for vehicles missing titles. If you have questions about your bonded title application, call the DMV at 1(855)269-5551.

How do I update or change my bond form?

If the Alaska DMV requires any updates to your official bond documentation, contact your surety provider.

The most common changes for these bonds are the vehicle owner’s name or specific vehicle information.

Does your Alaska bonded title expire?

Yes, Alaska bonded titles expire 3 years from their effective date and do not renew.

How do you get a bonded title in Alaska?

  1. Get an appraisal for the current fair market vehicle value.
  2. Purchase your Alaska lost title bond in the correct required bond amount.
  3. Complete the Affidavit of Ownership, which must be notarized.
    Alaska requires all duplicate title applicants to complete the Affidavit of Lost, Stolen, or Destroyed Title (Form 809) and submit the affidavit to their local DMV
  4. Fill out an Application for Title and Registration (Form 812).
  5. Get a Certificate of Vehicle Inspection
    The Alaska Division of Motor Vehicles will not issue a duplicate title unless they have physically inspected the vehicle. To have their vehicle inspected, title applicants need to simply visit their local DMV. See Form 811 for the inspection requirements.
  6. Submit your completed bonded title application packet to your nearest motor vehicle office.
  7. Duplicate title applicants must pay a $15 fee prior to receiving their title

What are the Appraisal Requirements?

The Alaska Division of Motor Vehicles dictates that the duplicate title applicants appraise their vehicles following these criteria:

  • Appraisal must be conducted in Alaska
  • Must be for the vehicle’s retail value and submitted on company letterhead
  • Vehicle must be physically inspected by the Appraiser
  • Must be a complete vehicle
  • Appraisal can’t be over 90 days old
  • May be appraised by a licensed motor vehicle dealer, insurance appraiser, or a bank
  • Title applicant and the appraiser can’t be the same individual or company
  • The vehicle seller and the appraiser can’t be the same individual or company

The appraisal must contain the following items:

  • Plate number and state (if available)
  • VIN
  • Year
  • Make
  • Model
  • Body style
  • Name and address of applicant
  • Name, phone number, and address of appraiser
  • Description of the interior and exterior of the vehicle such as body damage, missing or damaged components, torn upholstery and/or seats, safety glass damaged and not replaced, etc.

How Do Alaska Duplicate Title Applicants File Their Bond?

Duplicate title applicants in Alaska should submit the completed bond form, including the power of attorney, to their local DMV. The Alaska Lost Title Surety Bond requires signatures from both the surety company that issues the bond and the duplicate title applicant. The surety company should include the following information on the bond form:

  • Legal name of entity/individual(s) buying the bond
  • Surety company’s name
  • Bond amount
  • Vehicle information
  • Date the bond is signed

What Are the Insurance Requirements for Duplicate Title Applicants in Alaska?

Alaska requires all motor vehicle owners to purchase auto insurance with the following limits:

  • $50,000/$100,000 bodily injury
  • $25,000 property damage

Duplicate title applicants must purchase and maintain a surety bond equal to one and a half times the appraised value of the motor vehicle.

How Can Alaska Residents Avoid Claims Against Their Lost Title Bond?

To avoid claims against their bond, duplicate title applicants in Alaska must ensure that they are the rightful owners of the motor vehicle.