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Arizona certificate of title bonds.
From $100.

Also known as the Arizona bonded title bond.

When you can't prove ownership of a vehicle, Arizona lets you get a bonded title — file a surety bond under A.R.S. 28-2057 and the Motor Vehicle Division issues the title. Premiums start from $100, and the amount is one and a half times the vehicle's value; your exact price appears at the application.

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For owners with missing, lost, or defective proof of ownership under A.R.S. 28-2057
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Amount is one and a half times the vehicle's value as determined by the MVD
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0.9% of the bond amount, $100 minimum — your exact price appears at the application
0.9%of the bond amount, $100 minNo credit check up to $100,000above that, a soft pull at most, never a hard inquiryFastoften issued same day
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
Price

How much does an Arizona certificate of title bond cost?

0.9% of the bond amount, from $100. Enter your amount in the calculator for the exact price.

How it works

Apply to bonded title in one sitting.

No long underwriting queue for the standard title bond — apply, see your price, pay, and take the executed bond to the MVD. Here is the whole thing:

TODAY · ONLINE

Apply online

Your details, the vehicle, and the bond amount (1.5x the vehicle's value) — that is the application. No credit check up to $100,000.

INSTANTLY, USUALLY

Issued on the spot

Most applications approve instantly and the executed bond generates as soon as you pay.

SAME DAY

File with the MVD

Take the executed bond, your vehicle inspection, and the bonded title application to the MVD 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, Arizona lets you establish ownership with a bonded title under A.R.S. 28-2057. You post a surety bond, the Motor Vehicle Division 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 MVD. The MVD also requires a Level III vehicle inspection and a bonded-title application affidavit certifying that you own the vehicle and explaining why you need a bonded title.

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 stays in effect until three years after the vehicle is no longer registered in Arizona, after which a clean title can issue.

A.R.S. 28-2057 (Motor Vehicle Division)Arizona allows an owner with insufficient proof of ownership to obtain a certificate of title by filing a surety bond under A.R.S. 28-2057 (with related provisions in A.R.S. 28-2056 and 28-2057). The bond amount is one and a half times the vehicle's value as determined by the Motor Vehicle Division, requires a vehicle inspection, and remains in effect until three years after the vehicle is no longer registered in Arizona.

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 MVD won't 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
After you buy

Claims, renewal, filing, and what sets the price.

If a claim is made

A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.

The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.

Renewal and term

The carrier issues this bond for a single three-year term; the term cannot be changed at checkout.

Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.

How to file it

File with the MVD. Take the executed bond, your vehicle inspection, and the bonded title application to the MVD to get your bonded title. Wet-ink originals mailed whenever the office insists.

What sets the price

The premium is 0.9% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.

No credit check up to $100,000. Above that, the carrier may run a soft pull, which never affects your score.

Where a check runs, it decides approval; the rate is the same for everyone approved.

One application, issued on the spot for most applicants.

Submit the application with your bond amount (1.5x the vehicle's value) — most title bonds generate instantly, ready to take to the MVD.

Start the application →
FAQ

Common questions.

How much is the Arizona title bond?Premiums are priced at 0.9% of the bond amount, $100 minimum. The bond amount is set at one and a half times the vehicle's value, so a smaller-value vehicle lands closer to the $100 minimum, and the premium scales up from there. 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 Motor Vehicle Division. The MVD also requires a Level III vehicle inspection and a bonded-title application affidavit before issuing the title.
Is there a credit check?No credit check up to $100,000. Above that, the carrier may run a soft pull, which never affects your score. Most applicants approve instantly. Your premium is priced at 0.9% of the bond amount, $100 minimum, regardless.
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?An Arizona title bond stays in effect until three years after the vehicle is no longer registered in Arizona. If no valid claim is made, a clean (non-bonded) certificate of title can issue.
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.
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Price and requirements checked on the carrier’s application, . Page updated .

Bonded title, issued today.

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