Get Your Vermont Title Bond Today!

Rates & Requirements for Vermont Title Bonds:

  • No Credit Check required for amounts up to $30,000.
  • Minimum Premium: $100
  • Rate: 1.5%
  • Instant Issue: Up to $30,000
  • Amount Required: 1.5X NADA Value

If you do not have proof of ownership (a title) for your boat, motor vehicle, motorhome, mobile home, motorcycle or other titled property, you can provide the State of Vermont with a Certificate of Title Bond in order to replace your lost, stolen, damaged or defective title. You will be able to register your vehicle with this new title.

Don’t overpay, apply today and get your title bond in 3 simple steps. Have questions? Contact us and talk to a title bond expert today.

Common Questions

What is a Vermont bonded title?

Vermont Statutes Annotated Title 23, Chapter 21 requires individuals who own vehicles, vessels, or watercraft without titles to file a surety bond for registration. The bond protects previous owners, lien holders, and future vehicle owners from expenses, losses, or damages resulting from certificate of title issuance.

By filing a Vermont certificate of title surety bond, an individual verifies they have legal ownership of their vehicle and that it was not acquired under fraudulent circumstances. If the original title is found and a valid claim is filed against the bond, the surety company will provide funds to the harmed party up to the full bond amount. The bonded owner must then reimburse the surety company.

How much does a Vermont certificate of title bond cost?

Vermont certificate of title bond costs start at $100. The exact cost varies depending on the surety bond amount required by the Vermont Department of Motor Vehicles.

  • Bond amounts less than $5,000 cost $100.
  • Bond amounts from $5,001 to $25,000 cost $20 for every $1,000 of coverage, starting at $100.
  • Bond amounts from $25,001 to $50,000 cost $15 for every $1,000 of coverage, starting at $375.
  • Bond amounts for more than $50,000 must be reviewed by an underwriter for pricing, starting at $750.

The Vermont 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 do I get a certificate of title bond in Vermont?

You can purchase Vermont title bonds online 24/7. You must provide the following information for Department of Motor Vehicles approval.

  • name
  • county
  • vehicle identification number (VIN)
  • vehicle year and make
  • if watercraft, vessel length

Once your payment is received, your official bond documents will be delivered to your email.

What is the Purpose of the Vermont Lost Title Bond?

Vermont requires residents to purchase a surety bond as part of the application process to obtain a bonded 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 registers vehicles with missing titles?

The Vermont Department of Motor Vehicles enforces registration requirements for vehicles, vessels, and watercrafts without proper proof of ownership. The vehicle owner must file their lost title bond with the DMV within 30 days.

Who needs a Vermont bonded title?

If you own an unregistered vehicle, vessel, or watercraft less than 15 years old without proper ownership proof, the Vermont Department of Motor Vehicles will require you to file a certificate of title bond along with your replacement title application.

The DMV does not require titles for vehicles, vessels, or watercrafts more than 15 years old. Vehicles less than 15 years old must have an original title or replacement title for vehicle registration.

Vehicles with an open lien are not eligible for a bonded title.

This bond is required for a watercraft, vessel, or vehicle title to be issued. If you plan to sell vehicles, a Vermont motor vehicle dealer bond is required.

Lost title bonds are typically required for the following reasons:

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

How do I determine my bond amount?

The DMV requires the bond amount to be 1.5 times the current NADA value of the vehicle, vessel, or watercraft. To determine the vehicle’s value, bonded title applicants should utilize the National Automobile Dealers Association’s (NADA) appraisal guide or contact the DMV before purchasing your bond.

Is a Credit Check Required for the Vermont 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.

Do Vermont bonded titles expire?

Vermont lost title bonds do not renew after their initial 3-year term. The bond will be returned at the end of 3 years (or before) if the vehicle is no longer registered in Vermont and the current valid certificate of title is provided.

How do I update or change my bond form?

If the Vermont Department of Motor Vehicles requires your surety bond documentation to be updated for any reason, contact your surety provider.
The most common changes for these bonds include:

  • owner’s name
  • county
  • vehicle information

How do I Apply for a Bonded Title in Vermont?

To apply for a bonded title, complete the following steps:

  1. Contact the DMV
    Bonded title applicants in Vermont should contact their local DMV office prior to purchasing a surety bond. Vermont does not require all title applicants to obtain a bonded title, and usually only does so as an absolute last resort. Title applicants should ensure that they actually need a bond before purchasing one.
  2. Purchase a Surety Bond
    Once the DMV determines the applicant needs a bonded title, the applicant must purchase and maintain a surety bond in an amount equal to one and a half times the vehicle’s average trade-in value.
  3. Have the Vehicle Inspected
    Bonded title applicants must have their vehicle inspected by their local DMV office to verify the vehicle identification number (VIN). The individual inspecting the vehicle must complete this form.
  4. Complete the Application
    All Vermont bonded title applications should be mailed to the following address:
    Department of Motor Vehicles
    120 State Street
    Montpelier, Vermont 05603

    The following documents must be submitted:

  • Registration, Title, and Tax form
  • Verification of VIN
  • Any title documentation including a bill of sale, old registration certificates, or the old title

How Do Vermont Bonded Title Applicants File Their Bond?

In Vermont, bonded title applicants should mail the completed bond form, including the power of attorney, to the following address:

Department of Motor Vehicles
120 State Street
Montpelier, Vermont 05603

The Vermont Lost Title Surety Bond requires signatures from both the surety company that issues the bond and the bonded title applicant. The surety company should include the following information on the bond form:

  • The legal name, county, and state entity/individual(s) buying the bond
  • Surety company’s name, county, and state
  • Bond amount
  • Vehicle information
  • Date the bond is signed
  • Witness signatures for both the principal and surety company

What Are the Insurance Requirements for Bonded Title Applicants in Vermont?

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

  • $25,000 per person
  • $50,000 per accident
  • $10,000 property damage per accident

Bonded title applicants must purchase and maintain a surety bond in an amount equal to one and a half times the vehicle’s average trade-in value.

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

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